1.   The London Interbank Offered Rate has come to be widely used as a benchmark rate, deposit and loan rates being set on margins related to LIBOR.

2.   American taxpayers were saddled with a multibillion-dollar bailout as loan default rates skyrocketed when students ended up on the unemployment line.

3.   Auto loan rates tend to move more slowly than market interest rates.

4.   Automakers, whose sales depend on favorable loan rates, also declined.

5.   Bankers are crying foul because the credit unions use the tax break to offer higher deposit rates and lower loan rates.

6.   Bank loan delinquency rate leveled off after two months of increases.

7.   Banks have started to raise loan rates in response to the high overnight rates, and higher borrowing costs could make companies reluctant to expand, she said.

8.   Banks use the three-month bill to set loan rates to companies.

9.   Banks raised their auto loan rates repeatedly over the last year in response to Fed actions.

10.   A lower fed funds rate stimulates the economy by helping drive down loan rates on everything from automobiles to homes.