11.   Continued pressure to improve the terms of the civil payment on account scheme has so far yielded nothing at all.

12.   Basically all the major schemes have the same rules, with a couple of subtle differences.

13.   Housing chairman Bob Brady said the scheme had a number of advantages.

14.   The scheme had to be halted because the collector had been forced to make a charge.

15.   Even the United Kingdom Beveridge scheme had only a minor effect on unemployment insurance.

16.   Such a scheme has a factorial treatment structure and is very commonly used in biological research.

17.   Although complicated, this scheme has its advantages.

18.   A popular scheme has thieves jumping into cars that are stopped at traffic signals, or otherwise blocked, and stripping passengers of their valuables.

19.   But the Goldman economists assume his scheme would have less impact on the surplus and on interest rates than the Bush proposal.

20.   But this seemingly timely scheme has as many potential pitfalls as a Moscow boulevard has potholes.