1.   Banking officials Tuesday said legal reform would create a wider range of products for corporate customers and individuals.

2.   Instead they want to present the emperor as the man whose legal, social and administrative reforms created modern France and whose empire foreshadowed the European Union.

3.   Scott fears that the problem will worsen the next two years as welfare reform creates an even greater demand for child care.

4.   That sparked concern the reforms could create a strong new rival to existing private insurers.

5.   That sparked concern the reforms will create a strong new rival to other private insurers.

6.   The election of Yeltsin, whose reforms have created a business environment favorable to Western oil exploration, clears another obstacle, she said.

7.   The latest reforms will also create a separate Office of Compliance to oversee bidders and deal with conflict-of-interest issues.

8.   The reform will create a free-for-all in the local and long-distance telephone business.

9.   William H. Overholt takes a similar view that economic reform is creating a new superpower in China and that nothing will reverse the tide.

10.   But his economic reforms have created hardships that have galvanized opposition groups.