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The first full year with $1 billion of cost savings would be 1995.

Some states have found cost savings of 10 percent or more.

Others would take several years to result in a cost savings.

The companies expect cost savings in the range of $100 million.

The other money, he said, would come through additional cost savings.

The expected cost saving has not been determined, he said.

But the cost saving seems to be the main advantage.

The university would use the cost savings to allow it to build a new law school.

Of course, the company is also looking elsewhere for cost savings.

The companies have set a goal of $500 million in annual cost savings within three years.