31. Ms . Stout tries to start a discussion before passing out work sheets with questions on the reading. 32. Additional work sheets can give a fuller picture and can be used to develop insurance and estate plans. 33. The work sheets are not meant to be used as legal documents, but as points of departure for discussions. 34. Deloitte & Touche has its entire year-end tax-planning guide on line with tips and strategies and planning work sheets . 35. "Last year, it was nothing but work sheets , " said Patricia White, whose daughter, Katrina English, took a voucher. 36. There are projected cash-flow work sheets to fill in and explanations on how to calculate best-case and worst-case scenarios. 37. Angles and dimensions are better understood if children chuck their work sheets and build a complex model to scale. 38. Thursday, she shows Hansen that she has been busy doing math work sheets since the last time they met. 39. You could print a copy now to use as a year-end work sheet in deciding whether to sell any holdings. 40. The directories, by providing work sheets for apples-to-apples comparisons of various expenses, help these administrators shop for the best deals.