31.   Some school districts, too, are finding that they can come up with plans that protect them legally while giving teachers good investment choices.

32.   Still, Mitchell and others said they found that on-line discussions bolstered their confidence about investment choices.

33.   Still, no matter how much wisdom we absorb, a lot of us make bad investment choices.

34.   Such rulings might encourage companies to offer more investment choices and to disclose more information about those investments.

35.   The amount available to the employee at retirement depends on how his investment choices have performed.

36.   The battle to provide a greater variety of investment choices is intense, analysts say, and will bring lower prices in its wake.

37.   The employees are split into two groups based on their investment choices.

38.   The Orange County employees had two investment choices.

39.   The organization also benefits from the tremendous confusion over the potpourri of investment choices in the marketplace.

40.   The range of investment choices that are allowable for IRAs also was widened a bit.