11.   But critics suggest that the savings might come at the expense of safety.

12.   But many executives say the big savings may come from changing the way transactions are conducted, especially sales and leases.

13.   But officials said the savings could come other than travel costs.

14.   City budget monitors immediately challenged that claim, saying the savings come at the cost of further reducing the budget.

15.   Competition is considered the fastest way to bring prices down, but understanding where the new savings come from takes a bit of utility deconstruction.

16.   Company spokeswoman Diane Olberg explained that the cost savings will come largely from reduced office-leasing expenses.

17.   Consumer savings instead come through lower auto rates, which are determined by analyzing insurer profits and losses over several years.

18.   Cost savings probably will come in the U.S. first, analysts said.

19.   Cost savings probably will come in the U.S. first.

20.   Critics say that any savings come at the expense of security and professionalism.