11.   Costs are lower for young female drivers because statistics show that they are less likely than males to be involved in an accident.

12.   Credit limits also usually are lower for students.

13.   Concern the alliance would come to power and prove too weak to manage the economy sent stocks lower for most of the day.

14.   In practice, the number can be a lot lower for any method you use to connect.

15.   Infant mortality rates were substantially lower for Japanese and Chinese than for whites or any other group.

16.   Intel Corp. and Microsoft Corp. dragged the Nasdaq Composite Index lower for the first time in six sessions.

17.   It appears likely that the Missouri tax will remain lower for a while.

18.   Lower bond yields enticed investors into banking issues after the group led the market lower for most of last week.

19.   Lower bond yields enticed investors into banking-related issues after the group led the market lower for most of last week.

20.   Lower bond yields may entice investors back into banking issues after the group led the market lower for most of last week.