11.   Surplus projections vary tremendously based on assumptions about spending, economic growth and other factors.

12.   The fee usually varies based on the age or gender of the patient -- not how healthy they are, the study said.

13.   The fees will vary based on the amount of assets and the discretion of the broker involved.

14.   The fee system is a bit complex and varies based on the value of the item and other factors.

15.   The first XM units are priced similarly to replacement audio systems, so prices vary based on the quality of the system you buy.

16.   The yields on stable-value funds derive from the performance on the underlying bonds and vary based on what the managers buy.

17.   To agree to the terms, which varied based on seniority, pay and other criteria.

18.   Details still under discussion include the amount of time for questions, responses, counter responses and whether these times should vary based on format, this source said.