11.   Insurers get a boost from falling rates because it makes their big holdings of bonds more valuable and decreases the cost of making good on claims.

12.   Lower interest rates decrease the cost of borrowing money, which usually leads to greater spending and economic growth.

13.   Lower prices for commodities like grain and metal decrease the cost of materials used by manufacturers and, ultimately, hold down costs to customers, analysts said.

14.   Lower rates decrease the cost of borrowing and make bonds less attractive as an investment relative to stocks.

15.   Lower yields help stocks by decreasing the cost of borrowing for businesses and consumers.

16.   Low office vacancy rates are pushing up rental prices, while low interest rates are decreasing borrowing costs, analysts said.

17.   Lower rates decrease borrowing costs for consumers and businesses, which spurs mortgage buying and insuring.

18.   Lower interest rates are viewed as good for stocks because they decrease the cost of corporate borrowing.

19.   Lower rates can decrease borrowing costs for companies, boost their earnings and make them more attractive as investment options.

20.   Some clients opt for laminated cabinets to decrease the cost.