11.   Analysts say that would be wise.

12.   Analysts say that would enable Delta to use the jets to its best advantage and fortify its position in the Southeast.

13.   Analysts say those costs could postpone or eliminate rate reductions.

14.   And analysts say that may mean scaling back on some of the pledges made last week.

15.   Analysts say that might take as long as two years.

16.   Analysts say the commercialization of Easter has a long way to go before it comes close to matching the Christmas frenzy.

17.   Analysts say that has been the driving force behind reorganizations planned at Prudential Life Insurance Co. of America, John Hancock Life Insurance Co. and others.

18.   Analysts say that may be no bad thing, at least for patient investors.

19.   Analysts say the bank is sleek, muscular and well-managed, a model for the industry.

20.   Analyst say a hostile takeover of Chase would be almost impossible.