61.   Community groups, government representatives and banking officials are speaking on the effect a merger would have on jobs and banking services, especially in low income neighborhoods.

62.   Common Ground provides housing and employment counseling to people with low incomes.

63.   Consumer advocates say Texans with low incomes will feel the pinch most from the higher charge.

64.   Critics argue that low income elderly would be forced to pay a larger share of their own money for health care than wealthy people.

65.   Democratic senators voiced other concerns, saying they worry that elderly people with low incomes will not receive enough help in drug coverage.

66.   Experts blame low income, young marriages and a religious fundamentalism that offers few guidelines for struggling couples.

67.   For a profitable mortgage-lending business, consumers with low incomes and checkered credit records marred by delinquent payments are not the usual prospects.

68.   For instance, it suggests that pollution has relatively little impact on the low incomes and high mortality rates in those societies.

69.   For their part, lenders stress that not all loans to borrowers with low incomes or less-than-prime credit records are predatory.

70.   Geoghan was declared indigent by the state two years ago after he reported income too low to afford a private lawyer.