61.   If attempts at settlement fail, he said, the complaint is referred to an administrative law judge for a hearing.

62.   If he grants it, the case will be tried by an FTC administrative law judge.

63.   If a psychologist refuses to cooperate, the board must present its case before an administrative law judge.

64.   If a settlement cannot be reached, the matter would then be taken before an administrative law judge.

65.   If the case is not settled, it will be heard by an administrative law judge.

66.   If he sides with the FTC, the law judge can force the company to change its advertising.

67.   If a hearing is called for, an administrative law judge and a panel of three other people, two of them doctors, decide what action to take.

68.   If an administrative law judge finds a carrier in violation of the policy, the agency can issue a cease-and-desist order.

69.   If the case is not settled, it will be heard by an administrative law judge, who would make a recommendation for Dabreu to rule on.

70.   If the FTC does vote to file the suit, it would be referred to an administrative law judge at the agency, who would hold a trial.