31.   All states, plus the District of Columbia, have similar programs in place.

32.   All the UMass campuses and most state colleges already have such programs.

33.   All Massachusetts schools have programs in health, nutrition, and physical education, though it varies from district to district.

34.   Both had fast-paced programs that were carefully orchestrated for television.

35.   Both the NFL and NBA have testing programs in place.

36.   Business incubators sometimes have loan programs.

37.   Broadcast.com does have some programs that it will probably not have to fight to keep, though.

38.   But Fox, known for its superheroes and karate choppers, has a program that disproves the notion that education and entertainment are incompatible.

39.   But if you have a typical retirement savings program, relying heavily on stocks, with a few aggressive investments, the Roth can offer a wonderful advantage.

40.   But internships are often open only to students earning college credit and, besides, not every commercial station has internship programs.