31.   Second, the borrower must make reforms to improve its ability to repay the loan, such as cutting government spending, devaluing the currency and encouraging exports.

32.   Still, evidence is mounting that Sterling must make reforms soon.

33.   The Clinton proposal would have the IMF lend money to countries that have made reforms but still face capital flight in the current risk-averse investing environment.

34.   The book spurred efforts to make reforms in water policy, and it is still highly regarded.

35.   The failure to make reforms has led to large budget deficits that cannot be sustained.

36.   The federal government allowed the Waldron plant to re-open a few days later after the company said it had made various reforms.

37.   The goal is to make cosmetic reforms that look serious.

38.   The government says it is time to close the books on the past and make reforms to insure such scandals do not happen again.

39.   The loans typically are disbursed in installments tied to progress in making the reforms.

40.   The long-term problem also is being worsened because Bush and Congress are dawdling on making meaningful reforms in the Social Security program to buttress it financially.