31.   Intense competition has caused some insurers to reduce their fees and even eliminate surrender fees.

32.   Last June, the man involved in the farmer organization said, they held a large, peaceful demonstration in Daolin that prompted officials to reduce school fees.

33.   Local phone companies say they need some compensation for reducing access fees -- or local rates could rise.

34.   Mexican President Vicente Fox in March announced new agreements with remittance sending companies to reduce fees.

35.   Members of these plans are encouraged to pick doctors who have agreed to reduce their fees.

36.   Nasdaq market makers, which must pay the fees on shares they buy and sell for their own account, are especially anxious to see the fees reduced.

37.   One of his missions was to reduce the fees Mexicans pay to wire money home.

38.   Other funds are reducing fees because of poor relative performance rather than because of asset growth.

39.   Reducing shareholder fees and disclosing hidden fees are areas where most fund groups could do a better job, he said.

40.   --Registration fees could be reduced for alternative-fuel vehicles.