| 11. | Shareholders have the option to pull out of the merger at yearend.
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| 12. | The government's yearend inflation target is 17 percent.
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| 13. | At yearend 1995, it had net assets of $ 24 million.
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| 14. | Bell said it expects to have 38, 100 employees by yearend.
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| 15. | Even so, he expects yields to fall by yearend.
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| 16. | He doesn't see the central bankers lifting rates before yearend.
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| 17. | The company is expected to offer public services by yearend.
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| 18. | But yearend holiday rallies have weathered difficult market conditions in the past.
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| 19. | And Delta expects to offer specials at its Web site by yearend.
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| 20. | Analysts had predicted yearend earnings of 69 cents a share.
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