11.   Businesses say foreign-born workers comprise a small fraction of their work force.

12.   Businesses say free trade is their top priority.

13.   Businesses say the change will sharply raise their retiree health costs.

14.   Businesses say they anticipate adding to their head counts.

15.   Businesses say they most need engineers, especially in computer sciences.

16.   Businesses said they needed to make arbitration mandatory because employees tended to choose jury trials despite the cost to both parties.

17.   But many businesses said it was hard to tell how the new department would affect their day-to-day operations.

18.   But laws and regulations unchanged since Cold War days stand in the way, officials and businesses here say, especially in the United States.

19.   But most businesses say they will be forced to absorb the extra costs.

20.   But in buying Commodities Corp., Goldman, Sachs is sending a different message, executives in the futures business said.