11.   He has begun to establish a service that refers his customers to independent financial advisers.

12.   He said he has been referring worried customers to the Postal Service.

13.   Instead, insurers could refer customers to the new FAIR plan policy.

14.   Kaldor acknowledged that there were drawbacks to relying on sweepstakes sites to refer customers.

15.   Later, ZDnet hopes to earn fees from referring customers to computer stores.

16.   Many analysts worry that Amazon risks sullying its reputation if some of the shopkeepers to which it refers customers do not offer top-notch service.

17.   Mason, too, refers customers elsewhere and gets a fair share of referrals herself.

18.   Most automakers are using Web sites to provide information about vehicle features but are referring customers to dealers to get price quotes.

19.   Rather, they refer customers to dealers and then try to collect a fee from the dealer for the sales lead.

20.   She also runs a decorator training program called the Interior Refiners Network and will refer potential customers to local graduates.