41.   The consumer group included various fees beyond flat monthly service charges in calculating the average annual cost paid by checking account customers.

42.   The charges included fees to consolidate or close seven factories, eliminate jobs and end a deal with a European equipment supplier.

43.   The dispute arose because Little Rock dedicated park revenues -- including fees from the zoo and golf courses -- to pay off bonds to fund the library land purchase.

44.   The service deficit includes fees that Japanese companies pays abroad for patents, transportation and communications.