101.   Cipriani contends that the fee is not a gratuity, but is used to pay the waiters.

102.   Citibank and the numerous other banks that joined it as friends-of-the-court argued that late fees were a form of interest.

103.   Contending the fees are excessive, Gov. George W. Bush, seven state legislators and Republican attorney general nominee John Cornyn have asked Folsom to reconsider them.

104.   Consequently, so are the fees.

105.   Conversely, when the entrance fee is about the same as a movie ticket, musicians and curators feel freer to experiment.

106.   Coverdell argues the fees are no different than book royalties, rental income and other publicly disclosed outside income.

107.   Credit union fees were half those charged by big banks.

108.   Critics contend that the fees are little more than quid pro quo payments required for an endorsement.

109.   Competition has gotten so intense that there are no fees for Visa and Mastercards.

110.   Dean Headley, the author of the annual Airline Quality Rating report, thinks the fee is a worthwhile investment.