41.   Critics of merging Regents and honors say the pilot program in physics offers no road map for other mergers because physics is a subject only brighter students take.

42.   Culpepper remained loyal to Central Florida, enrolling in a school whose football program offered no guarantees of on-field success.

43.   Currently, for example, all Gold credit card programs worldwide must offer customers insurance on rented cars.

44.   Despite some variations, their exercise programs offer roughly the same things.

45.   E-mail mentoring programs can offer volunteers duties that require fixed amounts of time.

46.   Eventually the program will offer video that can be viewed over a computer or by a television set equipped to travel the Internet.

47.   First Place is just one of several weight-control programs offered in churches nationwide.

48.   For example, some television programs offer biographic information about stars as a show airs.

49.   George Borst, the chief executive of Toyota Financial Services, said the certification programs offered advantages for auto companies, dealers and customers alike.

50.   Her program offers an alternative high school program where trampled self-images are repaired and relationships with adults are strengthened.