81.   Kelly said he supports much of what is in the report but is not willing to agree that fraud is more prevalent than case records suggest.

82.   John Hall, a spokesman for the American Bankers Association, said fraud is still a huge problem.

83.   Miller declined to say whether he thought fraud was involved, saying he would leave that to the government investigations under way.

84.   Members of the PRD in Morelia said they fear that in rural areas, such fraud was common Sunday.

85.   Mortgage fraud also could be involved because of the fake Social Security numbers, Fernandez said.

86.   Micro-cap stock fraud is not a new phenomenon.

87.   Most Americans believe that health care fraud is rampant, particularly in the Medicare and Medicaid system, according to a survey released Wednesday by AARP.

88.   Now, there are occasional frauds, but there is no question that American accounting rules are the best in the world.

89.   Perhaps fraud is that rampant.

90.   Recent polls show that a majority of Peruvians, including those who support Fujimori, believe there was fraud.