1.   School closures such as The Avenue Comprehensive in Newton Aycliffe and mergers like Boynton and Hustler Schools in Middlesbrough created windfall savings.

2.   A tax law change in the congressional budget could produce billions of dollars of windfall savings for the thrift industry.

3.   The Wall Street Journal reported a tax law change in the congressional budget could produce billions of dollars of windfall savings for the thrift industry.

4.   The Wall Street Journal reported that a proposed tax law change in the congressional budget could produce billions of dollars of windfall savings for the thrift industry.