21.   A few years ago, many such bank accounts earned no interest at all and had a fee subtracted for every check cashed.

22.   A lower yield indicates that investors are willing to earn less interest from the government to hold its debt.

23.   A lower average yield indicates investors are willing to earn less interest to hold government debt.

24.   Again, the prospectus will spell out the details and will probably clearly state that if your check is cashed, you will not earn interest on the money.

25.   Bush has already earned interest for his stake, but the investors must recoup their money before he owns that percentage outright.

26.   But it would also deny the Social Security fund a safe way to earn interest on its holdings.

27.   By definition, the individual deposits would be too small to earn net interest after the expenses of setting up the accounts.

28.   By selling like that at gold-price peaks and earning interest on the proceeds from the sale, gold producers can increase their return.

29.   Central banks, which then supply gold to consumers such as jewelry makers, earn interest on the loans before the mines replace the gold several months later.

30.   Consumers will probably see their checks get cashed faster, cutting down on the time their money can continue to earn interest.