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11. Using accounts of various ancient writers, scholars have painted a sketchy picture of the activities of an all-female cult that, perhaps as early as the sixth century B.C., worshipped a goddess known in Latin as Bona Dea, "the good goddess."

12. Because new small businesses are growing and are seldom in equilibrium, formulas for cash flow and the ratio of debt to equity do not apply to them in the same way as to established big businesses.

13. State officials report that soaring rates for liability insurance are forcing cutbacks in the opera­tions of everything from local governments and school districts to day-care centers and recreational facilities.

14. Paleontologists believe that fragments of a primate jawbone unearthed in Burma and estimated to be 40 to 44 million years old provide evidence of a crucial step along the evolutionary path that led to human beings.

15. In his research paper, Dr. Frosh, medical director of the Payne Whitney Clinic, distinguishes between mood swings, which may be violent without being grounded in mental disease, and genuine manic-depressive psychosis

16. Unlike a typical automobile loan, which requires a fifteen- to twenty-percent down payment, a lease-loan does not require the buyer to make an initial deposit on the new vehicle.

17. Native American burial sites dating back 5,000 years indicate that the residents of Maine at that time were part of a widespread culture of Algonquian-speaking people.

18. Hemingway&aposs wives--Hadley Richardson, Pauline Pfeiffer, Martha Gelhom, and Mary Welsh--were all strong and interesting women, very different from the often pallid women who populate his novels.

19. In addition to having more protein -than wheat does, rice has protein of higher quality than that in wheat, with more of the amino acids essential to the human diet.

20. An array of tax incentives has led to a boom in the construction of new office buildings; so abundant has capital been for commercial real estate that investors regularly scour the country for areas in which to build.