11.   McCain and others argued that the liability limits were the best way to prod tobacco firms into helping the government combat youth smoking.

12.   Robert Howden of the Texas branch of the National Federation of Independent Business says his group is still polling its members on their views on liability limits.

13.   Should he veto it as he has threatened over the marginal issue of liability limits?

14.   Some groups were skeptical of the liability limits.

15.   There is talk of amending the charitable immunity law to raise the liability limit or to eliminate it.

16.   Umbrellas raise the liability limits if you must pay damages from a lawsuit or if you incur costs to fight such a suit.