11.   Medicare is a federal health insurance program that helps aged individuals and certain younger people with disabilities pay the cost of health care.

12.   On Monday, Hewlett-Packard announced a program to help individuals and small businesses do just that.

13.   Psychotherapy is generally thought of as a verbal rather than medicinal approach to helping individuals with psychological difficulties.

14.   The consensus among AIDS experts is that treatment not only helps the individual, it helps prevent spread of the disease.

15.   There is no magic cure, but there is hope for gene therapy in the future, and there are medications that can help individuals right now.

16.   They have set up a fund to help individuals with emergency living expenses, although the size of that fund and other details were not announced Wednesday night.

17.   This would help individuals at the lower end of the pay scale, he said.

18.   This framework is an iterative process for helping individuals and teams define goals, commit to specific outcomes, monitor performance and apply the consequences.

19.   While a third school argues that the bank still prefers working with bureaucratic and often corrupt governments, rather than directly helping individuals in the private sector.

20.   Will the government be used to help individuals, or not be used to help individuals?