1.   And, insulation will save on cooling bills as well.

2.   Big trees on the property can provide shade during the summer and keep cooling bills down.

3.   Ceiling fans are one of the easiest ways to reduce cooling bills.

4.   Federal money will be helping some poor and elderly New Yorkers pay cooling bills and buy fans, Gov. George E. Pataki announced Tuesday.

5.   The energy and oil sectors pulled blue chips lower, which analysts said reflected worries over summer cooling bills and burgeoning crude oil reserves.

6.   The energy and oil sectors also pulled blue chips lower, which analysts said reflected worries over summer cooling bills and burgeoning crude oil reserves.

7.   The money also is earmarked for summer cooling bills.