1.   Among the consumers most eager to refinance this year are homeowners who took out adjustable-rate mortgage securities in the past few years, say lenders.

2.   And those perceptions affect how eager consumers are to open their wallets.

3.   Computer engineers contend that eager consumers can easily circumnavigate the restrictions.

4.   Eager consumers can even pre-order the game and receive three Mortal Kombat posters.

5.   Internet audiences, analysts say, tend to be eager consumers of financial news, particularly news about the Internet.

6.   Much of the growth in sales is being driven by consumers eager to buy before the consumption tax increase, analysts said.

7.   The combination of so many more salespeople pushing dozens of new products on consumers eager for lucrative investments is trouble waiting to happen.

8.   The highest-priced cabernets, invariably from the Napa Valley, are snapped up by eager consumers regardless of cost.

9.   There were eager consumers out there.

10.   Indeed, European consumers eager for better prices and wider selections have created an opening for aggressive U.S. companies.