31.   Certainly most advisors would consult with their client before making such a substantial change in strategy.

32.   Clinton said that after the announcement that no agreement had been reached, but there had been a substantial change of mind.

33.   Despite the substantial changes, prices are little changed.

34.   During her own life Ms. Miller has gone through substantial changes.

35.   FED CHANGES LENDING PRACTICE The Federal Reserve has proposed a substantial change in its system of lending directly to banks.

36.   Fountain said comparisons of recent photographs with those made by the Scott expedition show no substantial change.

37.   Having made substantial changes, the group has satisfied many of its critics.

38.   He added that the results pointed to the need for greatly enhanced prevention efforts, including substantial changes in habit that may challenge long-held cultural practices.

39.   He indicated that few substantial changes are in the works.

40.   Health care experts expect this continuing rise of premiums to prompt a substantial change in the way we pay for health care.