11.   Finally, there are add-on customization programs that allow users to create shortcuts in any number of programs.

12.   Hotmail is a free service that allows any Internet user to create an account and send and receive e-mail from any location with Internet access.

13.   In addition, users can create sophisticated rankings.

14.   Internet users could create their own specifications for screening out material, or they could rely on rating systems developed by schools, church groups or other organizations.

15.   It allows users to create family trees as well as journals.

16.   Instead, the Microsoft system will allow the user to create multiple zones with preset security levels.

17.   It has thousands of ready-to-print projects, so users can create not only album pages, but photo cubes and keepsake boxes.

18.   It is there, he said, to enable computer users to create sophisticated documents comprising word processing, spreadsheet, presentation and data base information.

19.   ISP Select will enable users to automatically create a new account with their local telephone company directly from their computer.

20.   It allows user to create very detailed traveling profiles of themselves and manage their frequent-flier programs.