11.   Ricci says he just got scared when the speculation began.

12.   Since market speculation began about the bank cutting capital, Nippon Credit Bank shares have fallen.

13.   So far, there is no official explanation for the crime, although the unofficial speculation has begun.

14.   So, let the speculation begin.

15.   Speculation began recently that Ms. Lazarus would be promoted again in September.

16.   Speculation has begun anew in Chicago that the Bulls want to talk with the Clippers about their pick.

17.   Speculation began in late spring and candidates mentioned to take over Bay have included Lucent and International Business Machines Corp.

18.   Speculation began almost immediately.

19.   Speculation began immediately that Gretzky would want to hire Sather as his GM.

20.   Speculation began late yesterday that Alameda, California-based Ascend might buy Shiva, some investors said.