21.   The mayor is holding firm, arguing as recently as Sunday that fears are exaggerated and the city will again balance its budget without the sky falling.

22.   The press often feeds and exaggerates the fears about military operations abroad.

23.   Their fears are probably exaggerated.

24.   These fears are wildly exaggerated.

25.   These fears are exaggerated.

26.   DiIulio seems sure he can convince skeptics that their fears are exaggerated.

27.   Representatives of companies that manufacture MTBE argue the water-quality fears have been exaggerated, and the additive is crucial to reducing air pollution.

28.   Some observers, though, believe the fears are exaggerated.

29.   International agencies have accused the hardline Serb leadership of deliberately provoking the Serb exodus by exaggerating fears of reprisals by Moslem authorities for the brutal siege of Sarajevo.

30.   But David Malpass, director of international economics with Bear Stearns in New York City, said current fears were exaggerated.