11.   As customer lawsuits have multiplied, insurance companies have adopted different tactics for handling them.

12.   At the same time, the companies have adopted sophisticated computer models and other tools to find the best customers.

13.   About a year ago the company adopted an unusual strategy of seeking to market its energy products and services nationwide under the brand name Energy One.

14.   But even if the government is not concerned, Ms. Minnow, the shareholder advocate, said, investors should complain if their companies adopt such plans.

15.   But analysts are skeptical that many companies will adopt stock repurchase plans.

16.   But some executives confirmed, although not for attribution, that their companies had adopted, or were weighing, a permanent ban on writing soft-money checks.

17.   By developing technology that other companies adopt as standard, Netscape is able to get a head start in using the software with its products.

18.   Campbell also declined to comment on whether the company had adopted the strategies described in the documents.

19.   Companies are already adopting defensive strategies.

20.   Computer companies have generally adopted a laissez-faire approach, urging that government regulation of their activities be kept to a minimum.