11.   The banking sector has undergone radical changes in recent years with branches closing and staffing rationalised.

12.   The company ended the year with record profits.

13.   The economy looks like having zero growth this year with rising unemployment.

14.   The end of the academic year with its final exams is very stressful for many students.

15.   There is nothing developmental linking the middle childhood years with fountain pens and mismatched socks.

16.   This is a small, chatty volume of the kind that White has turned out in recent years with great success.

17.   This would entail making approaches, reversing the role she had assumed throughout the years with Claire.

18.   Liz travelled round the world for a year with her boyfriend James.

19.   We approach the end of the year with the economy slowing and little sign of cheer.