81.   But just as banks sell mortgages on the secondary market, health clubs often sell some of their contracts to finance companies.

82.   But she found that going to a health club for an hourlong aerobics class often turned into a three-hour or more ordeal.

83.   Call to cancel services such as water delivery, newspapers, health clubs.

84.   Chalk up the confusion to advertisements written in the third person, as if someone other than the proprietor were recommending restaurants, health clubs and retailers.

85.   Chairs are arrayed around the lobby fireplace and there are an indoor pool and a health club.

86.   City Center features an attractive array of retail shops, restaurants, banks, a health club and other amenities designed to attract corporations and their employees.

87.   Costs also get pushed up when colleges build fancier dorms, upscale cafeterias, and gyms that look like health clubs.

88.   Consider taking a temporary membership in a health club in the city you are visiting.

89.   Conveniently located just above is a health club.

90.   Dealing with a faceless finance company on contract problems will probably be more frustrating than dealing with a local health club.