1.   Delays have stemmed mostly from the third, and latest, indictment, involving Bosnia, which charges Milosevic with genocide, the gravest accusation at the tribunal.

2.   Delays can stem from attempts to retain guardsmen who want out or appeals from guardsmen being fired.

3.   In part, the delays stem from expense and complexity.

4.   The delay could stem from differing views on the maturity of the debt.

5.   The delays stem in part from its attempt to improve its processing system by adopting a computer scanning system that allows information to be input without being entered manually.

6.   The delays stemmed from the start of a project to replace the crumbling ramp that connects the Gowanus to the Prospect Expressway.

7.   The delay stems from a Securities and Exchange Commission requirement that Grace disclose details of the investigation before moving ahead with the spinoff, the company told its investors.

8.   The long delay stems from problems setting up and coordinating the activities of two new agencies that were created in January but have only been fully staffed since midsummer.

9.   Many delays stem from legal opposition to Olympic construction.

10.   The Oregonian reported Wednesday the delay stems from the failure of forward Bill Curley to pass his physical with the Trail Blazers.