41.   The company said the unit, which lends at sub-prime rates to high-risk applicants, suffered a high default rate on loans.

42.   The default rate at black colleges and universities is distressingly high.

43.   The default rate on junk bonds has been creeping up, even as the economy hums along with rapid growth.

44.   The default rate on FHA loans for first-time buyers has nearly doubled in metro Phoenix during the past five years, according to HUD.

45.   The earning power of chiropractors is also a factor in the higher default rate, chiropractic officials say.

46.   The default rate is low.

47.   The default rate is probably peaking now.

48.   The good news is, even with increased borrowing, the default rate on these loans has declined.

49.   The loan default rate was initially held to about the level a commercial lender would tolerate.

50.   The problem is that their default rates are unpredictable and that they are not as efficient as stocks.