11.   Indeed, given that the market tends to rise over time, true contrarian funds have serious shortcomings.

12.   Lately, markets have tended to offer larger and fresher ones, with a single bulb instead of a cluster, making them much easier to peel.

13.   New markets tend to have higher medical costs, as those people who sign up initially make heavy demands on the health plan.

14.   One source of optimism for investors is that, historically, investment markets tend to improve six to nine months ahead of the economy.

15.   Q. The market tends to anticipate an upturn well before it actually happens.

16.   So the leading-edge market tends to be watched closely for emerging trends, which may soon enter the mainstream.

17.   That is cause for grave concern, because bull markets tend to thrive when investors are worried that markets are likely to suffer.

18.   The bond market tends to rally on expectations of slower growth.

19.   The bond market tends to rally on signs of economic weakness because they diminish the possibility of higher inflation.

20.   The housing market tends to slow in poor weather as construction output declines and less people move house.