11.   Analysts and bankers predict the change will result in a large-scale consolidation of banks within many countries even as some banks aspire to create global financial powerhouses.

12.   Because the change will result in larger account balances, Albany International considered it a good time to add the annuity-style payment option.

13.   A two-thirds vote would only be required if changes result in a net increase in taxes.

14.   But supporters say the change results in more informed consumers, if only by prompting more discussion between patients and their doctors.

15.   But the company acknowledged the quick change had resulted in schedule delays, which might continue for at least two weeks.

16.   Civil liberties groups warned that the changes could result in a return to the days of domestic spying.

17.   Despite the cordial atmosphere of the conversation, it was far from clear what concrete changes would result.

18.   For the Ethiopians, the accumulating changes have resulted in a cavernous gap between culture and expectations.

19.   For Gonzalez, the changes have resulted in a new spiritual sense of purpose and a sense of peace.

20.   However, the small chemical changes result in reduced side effects and potential for abuse, he said.