| 11. | Todd misjudged the marketplace, and how conservative this business is,
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| 12. | It can be romantic and elegant, or almost insanely misjudged.
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| 13. | An insurance company misjudges the risk associated with workers'compensation.
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| 14. | Or a retailer misjudges the default rate on its credit business.
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| 15. | At some point, potential is either unrealized or simply misjudged.
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| 16. | But they misjudged us-- and not just a little.
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| 17. | But investors and many of the bioinformatics companies misjudged the market.
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| 18. | But the Canadians appear to have badly misjudged American banking habits.
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| 19. | It may have misjudged the pollen weight or the flying time.
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| 20. | But previous such criticism has been rejected as misjudging Thai intentions.
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