61.   For example, computer simulation programs helped to identify sources of powertrain noise that could then be eliminated or insulated.

62.   For those dogs who are openly violent around other creatures, behavior modification programs may help ease or eliminate the problem.

63.   For example, the program recently helped show a link between babies born with cleft palates and mothers who smoked cigarettes.

64.   For one teen-ager, Nathaniel Bond Jr., the program has helped change his image of the legal system.

65.   For others the program helps them overcome age discrimination.

66.   For owners Fred and Barbara Spain, the rent-a-tree program helps keep the farm afloat.

67.   Grassley believes such a program would help bolster efforts by the INS, an agency he said that is continually strapped for funds and resources.

68.   Gray said he did not know of any colleges that taught Nemeth Braille so the program also helped the students by teaching them unfamiliar Nemeth symbols.

69.   Government programs have also helped drive the gains in home ownership, assisting minorities, low-income families and others, Cisneros said.

70.   Guy Cecala, editor and publisher of Inside Mortgage Finance, a weekly trade journal in Bethesda, Md., said the IRS program should help borrowers like Edwards.