11.   Financial institutions and insurance companies are expected to save billions of dollars a year by eliminating the cost of preparing paperwork and mailing it.

12.   Financial institutions and insurance companies are expected to save billions of dollars by eliminating the cost of preparing paperwork and mailing it.

13.   For insurance companies, protecting storm-damaged homes from rain can save billions of dollars in additional claims for walls, floors and furnishings destroyed by water.

14.   He said that even if there was some belt tightening, Quebec would save billions through more efficient delivery of services.

15.   He said that sending welfare in a block grant to states could save billions of dollars now spent on federal administrative costs.

16.   Hundreds of thousands of Americans have major heart bypass surgery every year and medical experts say an alternative could save billions of dollars in healthcare costs.

17.   In urging that some drugs be legalized, he argued that the move would save billions of dollars spent on futile enforcement of drug laws.

18.   It is a relatively inexpensive program that the administration says has the potential to save consumers billions of dollars while cutting pollution.

19.   It saved untold billions of dollars.

20.   Joining Teledesic could allow Motorola to save billions of dollars at a time when the company is struggling and casting about for a model of growth for the future.