1.   It was wrong of Sophie to take the money without asking.

2.   They allowed him to pay back the money without penalty.

3.   They allowed him to pay back the money without a penalty.

4.   In those days the car industry was like a golden goose.We were making money almost without trying.

5.   Nevertheless an important principle had been established, that clinical autonomy did not mean an automatic right to use public monies without scrutiny or limits.

6.   Depositors are issued with cheque books which enable them to spend the money directly without first having to go to the bank and draw the money out in cash.

7.   Although CAR has been taking in huge sums from departing insurers, it has been distributing the money without adequate regulation or oversight, the report says.

8.   An appropriate prelude for a business that has made people money without making any money.

9.   An increase in the Social Security earnings limit to allow senior citizens to earn more money without losing their benefits.

10.   And House leaders have proposed a variety of accounting devices that could allow them to spend money without violating the budget caps.