41.   Russian officials insist they always investigate and punish the culprits and say the crimes are isolated incidents and not a systemic problem.

42.   Shumann said the problems in Leesburg and Nashua do not point to a systemic problem at air traffic center computers nationwide.

43.   The Federal Aviation Administration also issues reports on patterns and systemic problems in air safety.

44.   WorldCom, Global Crossing and Enron represent systemic problems, said Young, the pension fund manager.