11.  Although his wife, who was raised in the Bronx, says she has been begging to leave the borough for years, Guillet says they will retire here.

12.  Any remaining amounts, however large, will not be available until the banks' assets have been sold off, perhaps years from now.

13.  Any right, even any notion, of redress or the rule of law has disappeared through years of dictatorship.

14.  Definitive answers may take at least three more years, the researchers said Thursday.

15.  CUBA-CHARITIES (Havana) _ After years of repression, fear and furtive faith, religion is experiencing a remarkable rebirth in communist Cuba.

16.  Cuban-Americans will help Elian best by encouraging peaceful change, even if they have to endure their bearded nemesis for a few years longer.

17.  CUBAN-CIGARS (Undated) _ For years, Arizona has been a popular entry point for such contraband from the south as marijuana and cocaine.

18.  CUC gained a large Wall Street following in the years that it appeared to be growing rapidly.

19.  Cuevas works as a dispatcher at the recycling company, after leaving college a number of years ago to get married.

20.  Cuisinart brought food processors to the forefront years ago and its seven-cup model remains a favorite.