31.   But young people may save money by choosing a policy with a high deductible.

32.   Churning is a practice in which customers are pressured to strip the assets from old, well-funded policies into new policies with higher premiums.

33.   City officials credit the policy with reducing crowding at the center and with helping them distinguish between the truly homeless and those with other housing options.

34.   Clinton gradually fashioned political support for reversing the policy with a highly public, step-by-step approach designed to ventilate strongly-held sentiments about the war.

35.   Clinton, a natural compromiser, seems disposed to assemble an ungainly policy with elements from all three camps.

36.   Companies should try to integrate their e-mail and voice-mail policies with their anti-harassment and anti-discrimination policies.

37.   Consumer groups complained that the pool only would offer a bare-bones policy with less coverage than is currently available in the private market.

38.   Cosco President Ma Zehua denies his company tried to influence U.S. policy with campaign donations.

39.   Countries should decide either to reduce their demands on the United Nations, thus giving it a decent chance of carrying out reduced policies with its existing resources.

40.   CompuServe spokeswoman Daphne Kent said that her firm had discussed its new policy with German authorities.