21.   The review found many instances where the distance between the rails had spread wide enough to risk derailments.

22.   The review found many instances in which the distance between the rails had spread wide enough to risk derailments.

23.   The study also found instances where women, particularly those on low incomes, were anxious they did not have enough money of their own to save for pensions.

24.   Watchdogs have found repeated instances of overpricing.