1.   Lay is not apologetic.

2.   Lay is not shy about voicing his opinion or flexing his political muscle.

3.   Lay was gung-ho.

4.   Lay was in a private plane preparing to fly out of Teterboro Airport in suburban New Jersey.

5.   Lay will be the fifth Enron executive to invoke the Fifth Amendment.

6.   Lay is especially undeserving of any consideration, Cleland said.

7.   Lay might be able to retire after all.

8.   Lay was a good pick for the panel, he said, because of his involvement in the Houston civic and business community.

9.   Lay was one of the leading contribu- tors and fund-raisers for the elder Bush.

10.   Lay would be on the board of the combined companies, the executives said, but it was unclear if he would have an operational role.