11.   Benefit cuts likely from his idea would have a disproportionate effect on women because they tend to have smaller incomes, fewer savings and longer lives than men.

12.   Because women tend to have smaller incomes, fewer savings and longer lives than men, possible benefit cuts resulting from privatization would have a disproportionate impact on them.

13.   Both David and his mother, Wanda Kaczynski, gave money to Theodore, who was living off the land in Montana and had no income.

14.   After all, they have disposable income, too.

15.   All happy people have steady incomes, but every unhappy person is a paycheck short each month.

16.   But critics say the credit companies take advantage of college students by offering them cards when they have little income to support them.

17.   But in the second and subsequent years, both of you will have Social Security income, so you will need to withdraw a good deal less.

18.   But if they have more income, they tend to want more.

19.   But they concede that the result is that some low-income households will have smaller incomes.

20.   But writing, she said, would allow her to have an income.