41.   Savings have come from volume-based water rates that encourage more efficient irrigation, ultra-low-flow toilet rebates and giveaways, and other incentives.

42.   Savings will likely come from capital gains relief, an expanded child tax credit, expanded IRA-type savings plans and lower estate taxes.

43.   Savings will come from combining some of those facilities, he said.

44.   Savings would come mainly from scaling back planned increases in payments to health care providers.

45.   Some savings come in forms other than discounted room rates.

46.   Some savings will also come from consolidating employee health plans and through other changes, the executives said.

47.   Starwood said the savings will come from sharing technology, reservations and purchasing services as well as cross-marketing and other areas.

48.   Some savings could come from an early-retirement program approved by the state Legislature last month.

49.   The biggest savings will come when Renault and Nissan start sharing platforms.

50.   The biggest savings come from half-empty hospitals across the country.