11.   In fact, Wisneski said, about half to two-thirds of the workers return each year.

12.   Longer-dated bonds are particularly sensitive to interest rate changes because changes in rates today can erode returns years down the road.

13.   Loons mate for life and return each year to the place of their birth unless harassed by encroaching civilization.

14.   Nevertheless, it seems likely that venture-capital investors may have difficulty maintaining triple-digit returns this year.

15.   Nor is everyone convinced that ARMs will turn in much of a return this year.

16.   On my return this year, I found the taxi drivers avidly listening to the afternoon radio programs in Mandarin.

17.   One of the most debated of the new rules allows companies to use illustrations showing investment returns in future years equal to those the company currently pays.

18.   Only a small fraction of the anticipated refugee returns this year will actually be attempted.

19.   Rather, the growth managers who have been delivering the best returns this year are tightwads, looking for low prices as well as high growth.

20.   Short sellers may not get their chance for big returns this year, however.