11.   Charitable groups, pollsters, creditors and companies with which an individual is doing business are exempted from the regulations.

12.   Charitable groups, however say they foresee calamity this year for two reasons.

13.   Charitable groups do not pay federal taxes and their donors may take tax deductions for their contributions.

14.   Christine Burroughs, director of the charitable group InnVision, smiled.

15.   Foes of reform struck back, proposing an alternative bill that would require disclosure of donors for a wide array of public affairs and charitable groups.

16.   Food, water and commodities like soap and diapers have been distributed almost entirely by charitable groups and as donations by private companies.

17.   Few states have the resources to carefully scrutinize charitable groups.

18.   For example, Gingrich approved using funds from a charitable group called the Abraham Lincoln Opportunity Foundation, set up to help the needy.

19.   From universities to businesses, from charitable groups to City Hall, Boston and Ulster have forged links that grow stronger every week.

20.   Government officials have frequently said that al-Qaida often uses charitable groups to raise money by infiltrating certain local offices of legitimate organizations.