11.   That is not a shoot-out-the-lights performance, but it is more than respectable, say economists.

12.   That, say economists straining to be heard, is stimulus.

13.   That is at least three years off, say economists.

14.   The answer, say health economists -- some with resignation, some with disgust -- is both.

15.   The proliferation of holidays, say economists, is a product of the economy and the Indian attitude toward work.

16.   The strong labor market has boosted wages modestly, say economists.

17.   The villain in this case is not government, say economists, but stiffer competition and new technology.

18.   The war in Afghanistan, worries about anthrax and mass layoffs throughout North Texas have paralyzed residents to a certain extent, say economists and agency officials.

19.   While no one expects that advantage to disappear, the strong dollar is leveling the playing field, say economists.

20.   But the biggest drag on the economy has been a sharp fall in individual consumption, say economists.