31.   Cohen said Internet stocks remain overvalued and he expects Internet services to become something similar to a utility.

32.   Customer service has become an important variable that separates the successful online trading companies from those that received a below-average ranking.

33.   Development and brokerage services are becoming less family-oriented and more corporate and professional.

34.   Did the mail just pile up when the commercial flights were grounded last week, and even after limited air service became available?

35.   ExciteAtHome concedes there were major security flaws when cable modem service first became available a few years ago.

36.   Fitness clubs have morphed into ersatz homes, and their luxury services have become as much a selling point as their styles of yoga.

37.   Free Internet service has become big business in Europe, where consumers often are billed per minute for telephone service.

38.   He also expects advertising-supported Internet radio services to become more popular.

39.   He cited a recent conversation he had with Fed Chairman Alan Greenspan in which Greenspan remarked that medical services are becoming more efficient and less expensive.

40.   He cited a recent conversation with Alan Greenspan in which the Fed chairman noted that medical services are becoming more efficient and less expensive.