1.   There can hardly ever have been a tougher time to persuade banks to part with their money.

2.   Manchester M P Tom Pendry says the selection process ought to be tougher next time and based on merit not money.

3.   An already-struggling company, for example, will have an even tougher time paying higher interest costs, he said.

4.   Analysts said the more aggressive forecast means that computer users will get more power for their money, and competitors will have a tougher time.

5.   And the bank warned of tougher times ahead.

6.   And tougher times for lawyers have meant fresh setbacks for women.

7.   And while the big national discount-store chains fared well during the holidays, regional discounters had a tougher time last month.

8.   And with a turbulent economy, some are bracing for tougher times ahead.

9.   And with Bruce Smith breathing down his neck, Rick Mirer will have an even tougher time finding passing lanes.

10.   As the market becomes more crowded, small independent grocers will have an even tougher time holding on.