1.   But experts credit it with presenting a more united image.

2.   Crime experts more generally credit the change to the fact that the aging baby-boom generation is retiring from violent crime.

3.   Experts credit advances in treatments with reducing the death rate.

4.   Health experts credit a mandatory vaccination program for eradicating some of the most dangerous childhood diseases, including smallpox.

5.   Housing experts generally credit Cisneros with making some progress toward reform, but not quite as much as his rosy press clippings have indicated.

6.   Industry experts credit Paganini for attaining a combination of good food quality and low prices that stands out in a sea of unremarkable chains.

7.   Many experts credit the decline to increased job opportunities that have come with a booming economy.

8.   Many experts credit the first edition for establishing the discipline of pharmacology and strengthening its relevance to clinical medicine.

9.   Many experts credit the efficiency to cooperative check clearinghouses, which can verify funds almost instantaneously by comparing checks with customer records.

10.   Phillip Rowe, an American expert credited with creating disease-resistant banana strains, committed suicide by hanging himself from a tree, police said Tuesday.