1.   Both have been consulting since they left their agencies.

2.   A freeze on federal housing subsidies, coupled with banks calling in outstanding loans, left the agency overextended.

3.   A month ago, Gargano told friends he expected to leave the agency in early October for the Bush campaign.

4.   A proposed five-year ban on board members taking jobs in the housing industry after they leave the agency was scaled back to two years.

5.   A year later, Surber said, his partner, fearing that nervous clients might leave the agency, branched off on his own.

6.   After leaving the agency, he and another former CIA staff member formed a consulting firm in Beirut.

7.   All of which leaves advertising agencies with some explaining to do.

8.   Budget cuts and general downsizing had left the agency with only six scientists qualified to work in the laboratory, where work goes on seven days a week.

9.   But he said in a statement that he would leave the agency.

10.   But the last names of three who left the agency months ago continued to be used through August.