1.   Few lenders now insist on taking a formal charge over a life assurance policy.

2.   Prosecutors plan to show that Martinez ordered several other murders-allegations that were never filed as formal charges.

3.   Although no formal charges were filed, Paraguayan and Brazilian newspapers have accused Jamil of ordering both killings.

4.   Although Rogers is a suspect in slayings in Florida, Mississippi and Louisiana, only California has formal charges filed against him.

5.   And while the bulk of the police report remained secret, the release of the cover letter suggested that a formal charge against him was far from certain.

6.   Army spokesmen insist Hale could be returned to active duty to face formal charges and even a court-martial.

7.   As of Monday, no formal charges had been filed against the Aum sect, but mounting evidence in the subway gas attack increasingly pointed in its direction.

8.   As the case progressed, the aid workers complained that there had been no formal charges presented against them.

9.   As the envelope got stretched, the chances increased that an innocent party would be identified to the public without a formal charge.

10.   Assistant U.S. Attorney Leon Patton said the attempted bank robbery case would be taken before a federal grand jury for formal charges.