1.  A deeper problem is that the ethics panel is a committee, not a committee.

2.  A further problem can be the microphone performance - different microphones can produce different acoustic signals which need to be standardised.

3.  A larger problem is that the flat tax would work havoc in the national economy, and nobody knows what to expect.

4.  A major problem is how to make the comparison groups as similar to the experimental group as possible.

5.  A related problem is the evenness of the microwave background.

6.  A second major problem is the loss of bitterness due to precipitation in boiling and in fermentation.

7.  A second obvious problem is the striking blank where normally we would expect to find discussion of content.

8.  A still unresolved problem is the pending litigation over the collection.

9.  A third problem is how the factors slot into the broader range of financial services provided by the banks.