61.   Because there are steep penalties for early withdrawal, the investments make sense only for those who are saving for the long haul.

62.   Because there are no stamps in cyberspace, there is no penalty for sending lots and lots of letters.

63.   Blumenthal said there will be penalties levied on cigarette makers if teen consumption is not reduced.

64.   Bozeman resented the investigations, but the ultimate penalties were negligible.

65.   A Credit Suisse spokesman said that the penalties were financially insignificant.

66.   A few Republicans, including Rep. Tom DeLay of Texas, the majority whip, have argued the penalty is too severe.

67.   A resident of north Scottsdale, she said economic penalties may be the only way to slow galloping growth.

68.   Advocates of zero tolerance say there should be penalties for drivers caught with any amount of recently smoked cannabis in their body.

69.   All have denied the charges, for which maximum penalties would be life in prison.