91.   Three years ago, only a third of banks were offering variable rates.

92.   Thunderbird Lodge, a motel in the Canyon de Chelly National Monument near Chinle, Ariz., also offers winter rates.

93.   Twenty-six Chicago hotels are offering special rates to van Gogh fans.

94.   Unlike private insurers, the Postal Life Insurance program has an implied government guarantee, making its borrowing costs lower and allowing it to offer higher rates of return.

95.   Utility.com can offer lower rates for two reasons.

96.   While some hotels are merely offering discounted rates, others have put together special packages with holiday or seasonal themes.

97.   Witt recommended that insurance companies offer lower rates to people who anchor their manufactured homes or put them on permanent foundations.

98.   Operators in the black market offer higher rates than banks for U.S. and British currencies but charge a hefty commission for converting Indian rupees.

99.   Operators in the black market typically offer higher rates than banks for U.S. and British currencies but charge a hefty commission for converting Indian rupees into those currencies.

100.   At the main currency market, money-changers chased vehicles and passersby, offering good rates on dollars and Pakistani rupees.