21.   As borrowing costs fall, bank profits rise.

22.   As borrowing costs fall, profits for big lenders and borrowers alike tend to decline.

23.   As a result, unit-labor costs fell in the quarter, and such productivity growth, if it lasted, would help boost profits.

24.   As borrowing costs fall, profits for big borrowers and lenders alike tend to rise.

25.   Average new-home prices are rising in some areas, and lumber and drywall costs are falling.

26.   Banks were buoyed by the brighter interest rate outlook, because consumer and corporate borrowing tends to increase when the cost of money falls.

27.   BellSouth also overestimated how fast some technology costs would fall, while not foreseeing how quickly others would rise, he said.

28.   Borrowing costs have fallen this year with low inflation driving down bond yields.

29.   Borrowing costs have fallen sharply around the world as central banks, led by the Federal Reserve, have cut interest rates.

30.   According to congressional aides, lawmakers believed that telephone costs would fall significantly because of new rules designed to bring more competition to the long-distance and local phone markets.