We examine gravitational lensing constraints on the structure of galaxy clu
sters and compare them with the results of cosmological N-body simulations
of duster formation in cold dark matter -dominated universes. We find that
cluster core masses, as measured by the observed location of giant tangenti
al arcs, generally exceed those of dark matter halos of similar velocity di
spersion. The magnitude of the discrepancy is a strong function of cluster
mass. Are properties in the most massive clusters in the sample (i.e., thos
e with velocity dispersion sigma similar to 1500-2000 km s(-1)) are essenti
ally consistent with the N-body predictions. On the other hand, giant arcs
in sigma similar to 1000 km s(-1) clusters can be reconciled with cold dark
matter cluster halos only if their lensing power, i.e., central surface ma
ss density, has been increased substantially by the presence of a massive (
similar to 3 x 10(12) h(-1) M.) central galaxy and of significant substruct
ure. Best agreement is found if the mass of the central galaxy and the effe
cts of substructure are approximately independent of cluster mass. Massive
central galaxies with steep inner density profiles are also needed to expla
in a clear trend, observed in our data set, between the radial thickness of
giant tangential arcs and the velocity dispersion of the lensing cluster.
The position and redshift of radial arcs may be used as independent tests o
f these results, but at present the data set available is too limited to ha
ve a significant impact on these conclusions. Our results depend only weakl
y on the cosmological model adopted and suggest that structural parameters
of clusters derived from strong lensing studies cannot usefully constrain t
he values of cosmological parameters.