41.   Lending institutions, such as banks, typically pass on the higher cost of money to consumers taking loans for houses.

42.   Many city officials, unfamiliar in even taking out loans, are afraid of the new debt instruments and can be frustrating to work with, some bankers said.

43.   Lower rates also encourage consumers and businesses to take out loans, which further feeds the money supply.

44.   Lower rates make it less expensive for companies to take out loans and expand operations.

45.   Most of the students take out loans or have some form of assistance.

46.   Olga Abasov, who with her husband Djamshid, took out a loan six years ago from an innovative Russia lending program to start their family business.

47.   ORDA had notified the financial community, by advertising in the New York State Contract Reporter in February, that it may need to take out loans.

48.   Perfetto found that for years, some cemetery officials appeared to be embezzling money from trust funds, taking illegal loans, even paying personal mortgages with cemetery funds.

49.   Profits at banks and property developers slump as interest rates rise because costs increase and fewer people take out loans to buy property.

50.   Private companies should sell shares and bonds to raise money and not take out loans, he said.