11.   American retirees, students and the odd freelance writer have penned the opened-ended predictions and advice.

12.   Another friend, a freelance writer, celebrated when she got a routine magazine assignment while she was in chemotherapy for breast cancer.

13.   Anne Stephenson is a freelance writer.

14.   Another freelance writer, Wickham Boyle, has adopted different approaches to continue feeling safe.

15.   As a freelance writer of books and magazine and newspaper articles who is also a programmer, I have a small business that is widely scattered.

16.   As a lecturer and freelance writer, she discussed herbs and horticulture and contributed articles to horticultural journals and other publications.

17.   As a result, said Rila Berkowitz, a freelance magazine writer in Teaneck, ordinary activities took immense extra effort.

18.   As a freelance medical writer, editor and mother of two in Brookline, Mass., Lisa Underhill works primarily from her house.

19.   At Athlon, for example, Miller gets input from the five members of his editorial staff and from the various freelance writers who contribute to the magazine.

20.   Beverly Gary Kempton, a freelance writer and former journalist, died on Friday at Lenox Hill Hospital in New York.