21.   Employers say him as someone with imagination and courage.

22.   Employers say that by reducing the number of plans, they can save money and tighten control over the quality of care.

23.   Employers say that the new plans, in addition to being less expensive, can eventually pay for themselves.

24.   Employers say the plan would increase costs and cut net wages.

25.   Employers say the rationale for promoting employees can be extremely tricky, relying on criteria as diverse as educational background, work habits and personality traits.

26.   Employers say they cannot make intelligent choices among health plans because data on the quality of these plans are unreliable.

27.   Employers could say anything they wanted.

28.   Employers have said the plan will raise their costs.

29.   Employers said loan features are essential to get people to put money into retirement savings plans.

30.   Employers say the requirements sound simple.