1.   Americans are growing increasingly gloomy about moral decay in the country, say public opinion experts in both political parties.

2.   And yet, say bioterrorism experts, areas of the country remain extraordinarily unprotected if a terrorist strikes.

3.   And visibility, say marketing experts, is half the battle.

4.   And, say dairy experts, sales of milk and butter will likely not be hurt because they are staples for many families.

5.   And while identity thieves are still often low-tech con artists, the rise in cases, say experts, has roughly paralleled the proliferation of the Internet.

6.   Any differences in polls, say experts, are usually the result of the wording of questions rather than inaccurate measurements of opinion.

7.   As the long migration into metro Atlanta continues, the area has developed a national reputation with no major warts, say growth experts.

8.   Better think again, say legal experts.

9.   A settlement, or a judgment against the utility, would certainly run into the millions of dollars, say legal experts.

10.   But a growing number of mentally ill people also land in jail, often for minor crimes related more to illness than to criminal tendency, say experts.