91.   Smokers, on average, have lower incomes than nonsmokers.

92.   Some say those options shift a greater burden of paying taxes to middle and lower income Texans.

93.   Some of this difference reflects the lower average income of students with low test scores, but some almost certainly reflects worse academic preparation.

94.   So in a flat stock market year, the result of the change would not only be a lower income stream, but tax obligations on it to boot.

95.   Spending is also being held back by lower disposable incomes, they said.

96.   That is more than most state-run public housing and on par with apartments in outlying lower income neighborhoods.

97.   The bank blamed the decline on lower income from short-term investments in Brazil.

98.   The company attributed the slump to disappointing results from its Dai Hung oil field in Vietnam, lower income from its Hawaii oil business and reduced sales in Australia.

99.   The culprit is a lower income base, she said, and lack of experience and knowledge about the markets.

100.   The deficit meant reduced money for investment, which meant lower income growth, which meant lower revenue growth.