31.   Helm said having an ATM in the store also allowed shoppers, especially this holiday season, to double-check their balances and avoid an embarrassment at the register.

32.   Hoeckman said he had no idea what, if anything, the pope would say.

33.   If the former, one can only say having your head stuck in the bowls is as bad as having it stuck in the sand.

34.   Kieffer said having elected, decision-making district councils might not guarantee that business and other groups are represented in the process.

35.   Katz said that had more to do with economics than ratings.

36.   Mason Mosley said he had worn one of his five Rebel flag T-shirts dozens of times to school, usually to baseball practice, without incident.

37.   Margaret Boddie Lewis, who is senior vice president for housing and economic development at Union Bank of California in San Francisco, said having good mentors his important.

38.   No other city, he said had more than one top-three finish.

39.   Neptune Society spokesman Michael Ashe says having a non family member disseminate the ashes is common.

40.   Pomeroy, of GE Plastics, says having a Web presence has paid off.