11.  Coward also said housing department negotiators had assured the union that the reductions could be achieved through buyouts and attrition, rather than layoffs.

12.  Financial assistance arranged through the housing department can help dissipate anything from a nightmare to an annoyance.

13.  Funds for the city housing department also are targets.

14.  Giuliani said he has negotiated the details of the merger with the housing department.

15.  Last spring the city shifted control of most gardens to its housing department as a first step toward this conversion.

16.  Ms. Keir has also presented the plan directly to the housing department.

17.  Mrs. Kelly has had some successes in office, but scandals have plagued her administration, most recently in the housing department.

18.  Oddly, the housing department in Washington has yet to approve the Chicago plan.

19.  Officials of the groups covered by the agreement say they are waiting for direction from the housing department.

20.  Similar logic could be used to account for the apparent compliance of the industry with the lending code the housing department is negotiating with the Mortgage Bankers Association.