21.   Deregulation, led by California, has not led to substantial savings for most consumers, The Associated Press reported.

22.   Elderly homeowners, who have often built up substantial savings, are also targets of ploys aimed at gaining control over their assets.

23.   For borrowers there are some substantial savings, he said.

24.   For new parents, they represent substantial savings.

25.   He said that if substantial savings became available, he would recommend that the company switch to an alternate electricity source.

26.   Hogan said the park offers lower tax rates, quicker permitting processes, substantial savings on utilities and access to an experienced manufacturing work force.

27.   However, retailers and bankers foresee substantial savings if they can get consumers to carry so-called electronic purses instead of real ones.

28.   If Congress makes the change it would mean substantial savings for some corporations.

29.   Investors already have absorbed the assumption that HTV and Yorkshire, among others, stand to make substantial savings.

30.   It also would have created the opportunity for substantial savings in operating costs that the government probably would have wanted to be shared with customers, Casley said.