21.   Cuomo said the savings would come from increasing the number of working families who live in the rental housing, which would in turn reduce the federal subsidies.

22.   DiFrancesco, the leader of the Republican-controlled state Senate, said the largest savings would come from limiting unnecessary lawsuits.

23.   Esrey said much of the cost savings would come from the combination of systems, which would eliminate the need for some investments.

24.   For another, the biggest savings come only on off-peak days.

25.   For companies and for individuals, deficit-related savings come in many shapes and sizes.

26.   He added that other savings might come from shutting some unprofitable Medicare health maintenance organizations.

27.   He said about half the savings will come from work force cuts, about half will result from other reductions.

28.   He said the savings would come through elimination of shareholder dividends, federal taxes and lower capital costs.

29.   It said the savings will come from a leaner management structure and centralized administrative functions.

30.   Labor leaders, however, have complained the savings have come on the backs of injured workers.