91.   Problems began to surface early this year when Mercury Finance Co. said it had overstated earnings for several years.

92.   Problems began when electricity demands in the Pacific Northwest soared because of scorching temperatures.

93.   Problems soon began to emerge, however.

94.   Problems began when the elder Grace, the company and the board all sought legal counsel on the disclosure issue.

95.   Problems soon began to plague the system.

96.   Since the problem began, she has reverted to smoking excessively and not eating.

97.   Signs were emerging, however, that other Andersen problems might begin to play a role in the settlement talks.

98.   Still, problems are beginning to emerge in other areas of the asset-backed market, such as bonds backed by auto loans to riskier borrowers.

99.   That is when our problems began.

100.   That, Getchell later alleged in her lawsuit, is when her problems really began.