1.   And another reason, say critics, is money.

2.   As a result, say critics, the chairman must bear some of the blame for the train wreck that followed.

3.   Burnout is real, say critics of a system that gives birth to teams like the Woolsey Yankees.

4.   But nature is not static, say critics of the plan.

5.   But over time, say smoking critics, the type of restrictions applied to cigarettes here could spread to other markets.

6.   But the problem, say critics, is that more consumers would have complained had they known about the defect.

7.   Experience, say critics of the nuclear industry, shows that security problems can exist.

8.   For the middle- and lower-middle class, who are often less sophisticated about investments, financial setbacks could be disastrous, say critics.

9.   Read racist, say critics, including the Republican National Committee.

10.   Self-regulation is not enough, say industry critics.