31.   Regulators have found traces of dioxin, a highly toxic pollutant, outside a former wood-treatment plant in the Missouri Ozarks town of Ava.

32.   Regulators are increasingly finding that some researchers sidestep protections and engage in outright coercion.

33.   Regulators had found untrained staff, unsanitary conditions, improper use of restraints, record-keeping violations and sexual abuse of teen-agers and children.

34.   Regulators have found as many as nine fraudulent bank Web sites, said David Barr, spokesman for the Federal Deposit Insurance Corp., which insures deposits.

35.   The company could face fines or have its long-distance authority withdrawn if regulators find the company intentionally misled them and its competitors.

36.   The documents say state regulators found that some insurance companies had a tendency to lowball policyholder claims and delay payments.

37.   The documents say state regulators found that some insurance companies had tendencies to lowball policyholder claims and delay payments.

38.   The problems first surfaced three years ago when accountants warned the district of a major flaw in its accounting system, securities regulators found.

39.   The regulators apparently found deregulation so confusing they were not able to get it together when it came to taking it apart.

40.   There were eight reports of nuts loosening and in seven cases, wheels fell off, regulators found.