31.   Before investing in a bond ETF, Fitzhugh, the San Francisco financial adviser, said he would consider whether the savings are enough to justify the brokerage fees.

32.   Big savings are also possible in hospitals.

33.   Big savings are only possible on multiple orders.

34.   Bigger than the savings to airlines, but a little harder to measure, are the savings for passengers.

35.   According to Allan Abrahamse and Stephen Carroll of Rand, the potential savings are stunning.

36.   Actual savings would be greater because local governments also tax the products.

37.   After decades of hard work, their retirement savings are gone.

38.   But analysts said they thought the savings were likely to be higher and that the estimate on eliminated jobs seemed conservative.

39.   But an informal survey suggests the savings are generally modest and may vanish when shipping charges are included.

40.   But even if there are no savings at all, the changes are good ones.