61.   Annuities are just complex enough to make it hard for most people to weigh costs and benefits.

62.   Apotheosis, some say, has made him hard to know.

63.   Another worry is stifling bureaucracy and regulation, especially laws that make it hard to sack workers.

64.   Apparently he explained himself in a way that made it hard not to accept him.

65.   As a result, the Huskies have succeeded only in making it hard on themselves.

66.   As a beginner, it makes it hard to stand out.

67.   As adjacent plantings grow, foliage covers the jugs, which makes them hard to fill.

68.   As the contest wore on, the Bruins made it hard on themselves, and the never-say-die Habs kept on coming.

69.   As taut and gripping as that episode was, the bleakness built into the series makes it hard to think about tuning in every week.

70.   At Cleveland Hopkins International Airport, the short-term parking terminal was closed to make it hard for anyone to park close to the terminal.