31.   Corporations use interest-rate and currency swaps to guard against changes in the value of their outstanding debt and to cut borrowing costs.

32.   Corporations use such bonds to finance expansions, and some consumers invest in them to save for retirement.

33.   Corporations use swaps to guard against changes in the value of outstanding debt and to pare borrowing costs.

34.   Corporations use swaps to guard against changes in the value of their outstanding debt and to cut their borrowing costs.

35.   Corporations use Treasury yields as a benchmark to price their debt.

36.   For nearly a decade, corporations have been using increasingly powerful databases to collect and store huge amounts of information about their customers and their practices.

37.   For years, corporations have used them to customize their internal computer networks.

38.   For years, corporations have used their buying power to negotiate discount prices with manufacturers.

39.   Given the vast resources corporations use to advance their interests in Congress, large labor organizations are needed more than ever to fight for working men and women.

40.   Increasingly, corporations are using computers to collect and transmit information instead of relying on middle managers to do that job.