1.   Giuliani has consistently criticized the tennis association lease for the flyover penalty provision.

2.   He added that while the yield maintenance penalty provision can be negotiated somewhat at the inception of the loan, such negotiation normally results in a higher interest rate.

3.   Resolving the dispute over the penalty provisions, known as lookback, would go a long way toward moving the settlement along, analysts said.

4.   Reischauer said the marriage penalty provision was a windfall for people who already receive a marriage bonus.

5.   Several leading public health groups and anti-smoking advocates quickly attacked the penalty provisions as inadequate.

6.   That left money in general and the penalty provisions, in particular, as the sticking point.

7.   The penalty provisions of the Act counsel this interpretation as well.

8.   While the industry has problems with all of these demands, especially the penalty provisions, analysts say none of them will prevent a final settlement.

9.   That person would face up to four years in prison under the heightened penalties provision.

10.   The criminal penalty provision in the House version is different from the one in the Senate version.