1.  A key fact about the tax benefit welfare state is that those on the highest incomes gain most.

2.  American Express Co., United Technologies Corp. and Caterpillar Inc. gained most.

3.  As a group, benchmark property stocks gained the most after driving the Hang Seng Index to a four-month low on Friday.

4.  Bank stocks, which stand to gain the most from lower interest rates, helped keep the Hang Seng in the black.

5.  Bank shares gained the most.

6.  Banco Ambrosiano Veneto SpA and Banca di Roma SpA were the shares that gained the most.

7.  Bank, long-distance telephone and paper companies gained the most.

8.  Auto, semiconductor and bank stocks gained most.

9.  Beaten-up computer shares such as Compaq Computer Corp. gained the most.

10.  Adria gained most of his fame, though, for a specific technique he developed.