61.   Many institutions no longer had adequate reserves to offset bad loans.

62.   Montagne and others say that if the Ritalin problem deepens, institutions may have to create ways to control its distribution.

63.   Moving away from ground zero, everyone from individual artists to large arts institutions have felt the ripple effects.

64.   Most prominent institutions have friends, have enemies.

65.   Never before have so many separate financial institutions had to coordinate so much change in such a short period.

66.   No one has been seriously injured and the joint institutions have no influence in the actual governing of Bosnia.

67.   Now, the Protestant Episcopal Church wants Columbia to divest its tobacco holdings as some other major health-care institutions have.

68.   No other institution has the holdings, the network of relationships and the muscle to call in the hundreds of works seen in those exhibitions.

69.   Others said the institution would have big legislative shoes to fill.

70.   Other institutions have had to scrimp and save.