81.   For many, unemployment compensation ran out last month and their savings are gone.

82.   For New Jersey residents who work in New York and pay income taxes there, the savings would be less, officials said.

83.   Furthermore, increased savings may be an effect, not a cause, of improved economic performance, and they could dry up in a significant economic downturn.

84.   For those who enjoy snacks such as potato chips, the fat and calorie savings are considerable.

85.   Hart said the most vital savings is efficiency.

86.   Half the savings would be in Medicare and Medicaid.

87.   He added the savings will not be as great as in mergers between banks in identical markets.

88.   He said any savings will be reinvested and used for research and development, marketing and recruiting.

89.   He said that municipal employees should be paid more, adding that there must be savings through efficiencies and attrition to help finance any pay increases.

90.   Here are the urban areas where estimated fuel savings would be highest if cars were made more efficient.