31.   This was a very bad year for the banking industry.

32.   True, it had not been a banner year for Republican candidates, thanks to the resignation of President Nixon that summer.

33.   When Joe was asked to join the First Family each year for Christmas dinner, it posed a dilemma.

34.   While real estate seems still to be undervalued compared to stocks and bonds, this is a year for careful selection.

35.   Why it should have taken more than a year for this to soak in is unclear.

36.   December is the busiest time of year for shops.

37.   Several of these rhododendrons will flower this year for the first time.

38.   Visit your dentist twice a year for a check-up.

39.   It takes a year for the Earth to make one circuit around the sun.

40.   It took years for the political situation in the country to normalize.