11.   Currently, the government uses a complicated formula to decide how much to pay plans to provide insurance.

12.   El Nino is only one element of a complicated formula that Gray uses to forecast hurricanes.

13.   For the least creditworthy, firms like Credit Acceptance Corp. of Detroit concoct complicated formulas that force the dealer to share some of the risk.

14.   Funds are allocated to the states by complicated formulas.

15.   However, even a top-three finish may not guarantee an Olympic berth under the complicated formula that determines qualifiers.

16.   If one set of patients fares better than the other, a cluster of complicated statistical formulas can determine if the test or treatment under scrutiny is the reason.

17.   In New York, state authorities estimate railroad values by using a complicated formula that accounts for replacement costs, depreciation and company revenue.

18.   Last year, Thoroughbred Times magazine used a complicated formula to rank Stonerside Stable as the top operation in the country.

19.   Or the court could strike votes, using complicated mathematical formulas of voting patterns.

20.   That TV money comes into the conference offices and is distributed back to the schools through a complicated formula that includes television appearances, bowl games and other factors.