1.   Interest rates generally have been declining since last spring, despite a few upward blips in recent weeks.

2.   As a result, major stock indexes have declined steadily since mid-March, or about when many corporations started warning that their financials would be disappointing.

3.   As with white Americans, the percentage of blacks who view Clinton favorably has declined since the Lewinsky scandal emerged, according to polls.

4.   At the same time, the number of military personnel has been declining since the end of the Cold War.

5.   Attacks have declined since the Philippine Navy and coast guard boosted patrols.

6.   At the same time, many companies are exporting more of what they produce because domestic demand has declined since the fall of the Soviet Union.

7.   Bank issues rose as bond yields declined since banks, with their rich dividends compete with bonds for investors.

8.   Bond yields have been declining since early April, helping stocks rally.

9.   Abandoned rail lines have been commonplace across the country as rail use has continued to decline since its peak early in the century.

10.   Advertising, she said, had not declined since last year.