91.   But that means it lowers transaction costs within organizations as well as across organizations.

92.   But the best companies find that a top rating pays for itself by lowering borrowing costs, assuring investors that the notes are ultrasafe.

93.   But that is changing as companies try to lower costs by offering increasingly automated services.

94.   But the announcement came as the utility industry is undergoing sweeping deregulation, which has so far increased the available sources of electricity, thereby lowering its costs.

95.   But weeks or months can pass before a Fed rate cut actually lowers borrowing costs for individual Americans.

96.   But the temptation for companies to lower labor costs, often by departing for nonunion climes, remains strong.

97.   But while such teamwork lowers costs, it also means that profits, should they materialize, have to be divided.

98.   By breeding competition among private insurers for the Medicare market, Bush contends, costs will be lowered and elderly people will have more choices..

99.   By changing the interest rates it controls, the Fed raises or lowers borrowing costs on everything from industrial loans to home mortgages.

100.   By locating and sealing up these leaks, the homeowner can make the heating system more efficient and lower heating costs.