11.   If the CD lacks deposit insurance it becomes a less attractive financial product -- and thus is less likely to take business away from insurance companies.

12.   In Greeleyville, S.C., the congregation of Mount Zion AME Church learned the hard way about lacking enough insurance to rebuild bigger and better.

13.   Lacking insurance, some people choose to forgo routine medical care, only to find themselves later suffering from preventable illnesses.

14.   More than one out of five children in poor families lacked insurance.

15.   Ms. Walrond was turned away from a clinic in the Bronx because she lacked insurance for her son, her relatives said.

16.   No wonder almost a third of Medicare beneficiaries lack drug insurance and many others have inadequate coverage.

17.   She attends quarterly board meetings, although she remains off the board because the company lacks insurance for directors and officers.

18.   She said that where apartment occupants lacked insurance for their units, her company was providing a discount by charging at cost.

19.   The fact that most new jobs lack medical insurance does not prove that a crisis is looming, he says.

20.   The numbers also may be skewed because Hispanics tend to rely more heavily on public facilities than private institutions for health care, especially because many lack insurance.