11.   Because funds are increasingly offered through investment advisers and other distributors, investors are paying yet another layer of costs for the selection and monitoring of funds.

12.   BonusMail is offered through Internet service providers such as Prodigy, Concentric and Erols, and through the on-line directory assistance service, WhoWhere?

13.   Business owners are also being encouraged to spruce up their properties with the help of low-interest loans offered through four neighborhood banks.

14.   But today all the same hope and promotion are directed at a new generation of services offered through cellular telephones, pagers and myriad other radio-wave gizmos.

15.   CityLink, a consortium of San Francisco community groups, is helping develop educational and civic information to be offered through the library network.

16.   Coverage would be offered through competing, private plans that rely on marketplace competition to control costs.

17.   CUC also runs well-known dining programs, including Entertainment and Premier, that are often offered through other retailers.

18.   Degree programs are offered through six of these institutions, and an online MBA is offered by a consortium of five others.

19.   Easier cards to get, McKinley said, are those offered through direct mail fliers.

20.   Employee assistance programs, generally offered through contracts with outside providers, typically offer mental health and substance-abuse counseling.