31.   It seems pretty certain that K.C. will be in a high tax bracket in retirement, based on her very substantial savings levels.

32.   Many strikers have substantial savings, due at least in part to working large amounts of overtime for years.

33.   Most citizens retain their jobs and have substantial private savings.

34.   Now consider the wisdom the Food Goddess has deigned to pass along to you today at a substantial savings over what she laid out in tuition.

35.   Nor is there credible evidence that re-allocating essential responsibilities to other agencies in other fields would produce better learning results or substantial savings.

36.   One question that analysts raised was whether Gallaher would be able to create any substantial savings from an acquisition of Seita.

37.   Over the last few years, an increasing number of immigrants have arrived with substantial savings to start their new lives.

38.   Over the years, even tiny reductions in interest costs could yield substantial savings to the government.

39.   Q. I seem to have substantial savings, but no direction.

40.   Sabre said that the Himalaya system will provide substantial savings in maintenance and software development costs and a simpler path for future expansion.