1.   At Enron, many frauds may have occurred, but many acts that sound fraudulent may prove to be legal.

2.   Ballot counting in Los Angeles was held up over the weekend by Republicans who asserted that voting fraud had occurred on Election Day.

3.   But in one recent court hearing, Haber argued that no fraud had occurred because the answers did not appear on the tests and thus could not be stolen.

4.   But Republicans are calling for an investigation, saying voter fraud may have occurred.

5.   Cellular telephone fraud occurs when people use false identification numbers on their wireless telephones and make calls.

6.   If fraud occurs, Inamori reportedly told the group, it is more the fault of the system than of the individual.

7.   Identity fraud has long occurred through the stealing of mail, purses and wallets or copies of credit reports.

8.   If opposition groups believe electoral fraud has occurred, there likely will be demonstrations or violence, political analysts say.

9.   No longer could they escape responsibility if fraud occurred inside the smaller shops they provided capital for.

10.   One reason the fraud could occur, experts say, is that most insurance regulators know about revenues from policies but relatively little about the investment world.