11.   And in the meantime the personal savings rate has dropped to almost nothing.

12.   And though John Dillinger and Pretty Boy Floyd made headlines breaking into banks, the crime rate actually dropped.

13.   Argentine call rates dropped from two-year highs as demand declined from banks that had covered month-end central bank reserve requirements.

14.   As a result, the quality of services has improved and rates have dropped markedly over the past decade or so.

15.   As for the health groups and President Clinton, they say their primary goal after FDA regulation is insuring that smoking rates by teenagers drop.

16.   As the crime rate has dropped in New York City, a ripple effect is felt to the east.

17.   At the same time, mortality rates are dropping because of improved medical treatment.

18.   At night, when the rates drop, water is pumped back into the lake.

19.   Because German rates have dropped slightly in the past few months, France can now afford to follow suit.

20.   Black unemployment rates dropped, though they are still higher than rates for whites.