11.   Most average folks, not trained to handle so much cash, need guidance.

12.   Murderers, mental cases, thieves, junkies and average folks who failed to pay speeding tickets.

13.   Others are just average folks with good paying jobs and a desire to give something back.

14.   Practitioners of paper terrorism generally believe that government has become too big, too bureaucratic, too out of touch with average folks.

15.   Researchers say there is no distinction between the scribbles of mental patients and average folks except that schizophrenics tend to obsess on a single subject and style.

16.   So I am more surprised than most that operating systems now are considered to be big news by average folk.

17.   Some are average folks like Robert Clements, an information system consultant who had the good fortune of owning a small condominium near downtown.

18.   Thank heavens for average folks all over America who do.

19.   The idea is to do for average folks what the Nature Conservancy does for wildlife -- establish a refuge, of sorts, off limits to further development.

20.   The format gave average folks better questions than Lehrer managed in his three hours of solo quizzing and gave Gore room to manuever.