1.   As part of value pricing, most dealerships discourage customers from negotiating a lower sticker price.

2.   Bank earnings may suffer if higher borrowing costs discourage customers from repaying their overdue loans.

3.   Both credit card companies and home equity lenders have reduced their required minimum monthly payments to discourage customers from paying off their loans, Sohn said.

4.   Also, higher interest rates might discourage bank customers from repaying their overdue loans or arranging new credit, something sure to hurt earnings.

5.   But discouraging its customers from driving to the hot night spot is another story.

6.   Cummings of Masspirg said she believes the restocking fee is being used by retailers to discourage customers from making returns.

7.   For starters, higher long-distance rates discourage customers from making calls outside their immediate area.

8.   Happily for Doubleday, his hardcover publisher, and for Dell, his paperback publisher, his concern has not slowed him down or discouraged his customers.

9.   Higher interest rates could chill new construction activity and discourage bank customers from seeking new credit.

10.   Higher interest rates may discourage customers with overdue loans from repaying their debts and others from seeking new credit, which will hurt bank earnings.