21.   Because of late payments by member governments, the United Nations goes through a financial crisis at least once a year.

22.   About one- fourth of the late payments is owed by Iraq, and payments from Saddam are not expected any time soon.

23.   But at PKO BP Bank in Warsaw, Janusz Ostaszewski, the spokesman, acknowledged that late payments have started to grow.

24.   But banks, credit card issuers and insurance companies still pledged to overlook any late payments that may arise because of the Unabomber threat.

25.   But as in the case of the regular budget, arrears and late payments produce constant financial difficulty.

26.   But the company was unable to overcome rumors about late payments to suppliers, as well as widespread uncertainty among potential lenders about the retailing outlook.

27.   But there are no penalties for late payment under federal law.

28.   But the reason -- the one-day late payment of a bonus -- only served to make Keenan look bad.

29.   But today, about half the people filing for bankruptcy have only one late payment, or none at all, Chimerine said.

30.   California requires insurers to pay interest on late payments.