41.   They are far away from the indoor training rooms, the yoga lofts, aerobic studios, saunas, steam rooms and tennis courts.

42.   There are row upon row of wooden lockers, thousands of them, as well as steam rooms, card-playing-only areas and a solarium.

43.   They range from the inflexibility of work hours at the entry level to the chummy old-boy network forged over golf games and in steam rooms.

44.   Valerie Murphy, below left, and Kathrine Narducci in the steam room at the Bliss Spa in SoHo.

45.   You apply the muds to one another, then relax in the steam room while the minerals are absorbed, and finally shower.

46.   American Linda Somers, for example, rode for hours a day on a stationary bicycle in a steam room.