11.   Symptoms of gambling addiction are easy to spot, Price said, and free counseling from state certified professionals such as Bier is available to all Missourians.

12.   That is why the AARP encourages potential borrowers to attend free counseling by reverse mortgage specialists.

13.   The clinic provides free one-on-one counseling, written educational materials, videos and follow-up support.

14.   She apparently refused the offers of free counseling that were made to families of trade center victims.

15.   She also plans to tour the Project Heartland Center, which offers free counseling and other support services to people affected by the bombing, Ms. Brownlee added.