61.   And many companies now use Warsaw simply as a distribution center.

62.   And if companies cannot use that lower price, it is not clear whether employees would be able to take their money out of the plan.

63.   And retailers are starting to feel threatened that record companies will use the Internet to bypass them and sell songs directly to consumers.

64.   And the larger companies are using the money they have raised to pay down debt and to buy other, healthy companies that fit in with their strategies.

65.   And some companies use huge restructuring charges that typically accompany mergers as a place to dump regular business expenses, increasing earnings in the process.

66.   And some suggested the company use some of the money to buy back shares.

67.   And the access is the carrot the company uses to help sell other digital services.

68.   And the hardball tactics some companies use to encourage borrowing or to collect on loans breed both lawsuits and criticism from consumer groups.

69.   And the phone company presumably will use its cut to buy more ads bad-mouthing the other long-distance companies.

70.   And the traditional tools companies use to communicate, such as public relations and government affairs, are out of step with these changes.