31.   Morgan Stanley started its loan business in February, hiring veteran lender Bram Smith from Bankers Trust Co. to head the group.

32.   Nancy Calkins heads a group of volunteers that has petitioned the City Council to create off-leash areas in several suggested locations.

33.   One group was headed in a rental car to Texas, another to Minnesota.

34.   One group is headed by al-Waleed and includes the Kirch Group, Swiss-based Richemont Group, and a group of Italian banks.

35.   Only two witnesses testified that they had first-hand knowledge that Garcia Abrego headed the group that brought tons of cocaine into the United States.

36.   Ray Golden, the president of Wolfensohn, will head the group.

37.   Saturday the group was headed up the East River, across to the Harlem River and back down the Hudson.

38.   Scheck heads a group of Cardozo law students called the Innocence Project that reviews convictions based on DNA fingerprinting for possible appeal.

39.   Roosevelt Roque dos Santos, who heads a group that represents landowners, thinks differently.

40.   She now heads the group Handgun Inc., which has lobbied for gun control.