61.   Stephen Johnson, a Palo Alto financial planner, recommends HOLDRs for clients who want exposure to the Internet but want to avoid the risk of owning individual stocks.

62.   Such information is supposed to be checked and rechecked to avoid possible risks to civilians.

63.   Such a shot would avoid the risk that a shell would skip over the water and possibly hit other ships.

64.   The Arthritis Foundation recommends taking personal precautions to avoid the risk of tick bites.

65.   The best way to avoid the risk of municipal bonds is to invest in taxable ones instead.

66.   The company has won a strong reputation for luck in avoiding bad risks.

67.   The company will even allow employees to have packages sent to their work addresses to avoid the risk of friends, loved ones and burglars spotting incoming gifts.

68.   The justices said the federal government could still legally fight compulsive gambling with regulations, and thereby avoid the risk of running afoul of the Constitution.

69.   The only way to avoid these risks is to stabilize the atmospheric concentrations of greenhouse gases.

70.   The raffles were provided as an incentive for painting and allied trades workers to focus on safety and avoid unnecessary risks on the job.