91.   Both men deny the allegations, saying the payments were for legitimate business expenses.

92.   Both representatives, he said, told him the payments were necessary to bring his policies up to a point where no further premiums would be required.

93.   Both the borrower and co-signer are responsible if the loan payments are late.

94.   -- Ask when full payment is due and whether you must make any installment payments during the interest-free period.

95.   During the last five months in the Valley, payment has either been late or apparently non-existent.

96.   A customary down payment is required, but monthly payments are lower.

97.   A job and car payments are often a disastrous combination.

98.   A small industry peddles seminars, books and videos purporting to show that the tax is a hoax and that payment is voluntary.

99.   A similar payment is due in a few days.

100.   Accompanying January payments were notices pitching the advantages of direct deposit, the automatic transfer of payments into bank accounts.