11.   Governments increasingly are accepting credit cards as a payment option, too.

12.   Last November, Congress gave states the OK to offer lump-sum awards, but once winners selected a payment option, they were stuck with it.

13.   Louis S. Harvey, president of Dalbar Inc., a consulting firm in Boston that rates financial advisers, says consumers want payment options.

14.   Martin said that Gingrich was discussing payment options with members and legal staff on the House Ethics committee to insure the payment plan met their approval.

15.   Penalties for not filing are harsher than penalties for not paying, and you still have at least three other payment options.

16.   The card payment option also can help companies attract and retain customers, cut collection costs and improve cash flow.

17.   The disk offers a listing of payment options by equipment levels and allows users to modify down payments, interest rates and terms until an ideal combination is found.

18.   The Internet payment option also provides four months of payment history.

19.   The payment options for reverse mortgages can be blended or even changed later.

20.   The reverse mortgages that Fannie Mae plans to purchase will carry adjustable rates and allow borrowers to receive the proceeds according to the payment option they select.