1.   Both losses stemmed primarily from the huge sums spent on such licenses and on an intensive recruitment campaign for new customers of ordinary mobile phones.

2.   His only loss stemmed from cuts to his eyes that hampered his vision.

3.   Higgins said the losses stemmed from an error in accounting for natural gas transactions by the unit, which is managed by Birmingham, Ala.-based Sonat.

4.   It said the loss stemmed from an effort to reduce its bloated inventory, something that would position it for better performance in the future.

5.   Regulators in Missouri and Kansas have proposed limiting this activity when losses stem from weather catastrophes in which policyholders have no control.

6.   The company said the loss stemmed from competitive pricing, a reduction in the inventory of its dealers, and the impact of the Taiwan earthquake.

7.   The losses stem from lost data, stolen computers, damage to data and lowered productivity.

8.   The losses stem primarily from three cement plant projects in Saudi Arabia, the company said.

9.   The losses stemmed from declines in the value of Brady bonds or Eurobonds the bank held or sold.

10.   The losses stemmed from its derivative trading, the bank said.