21.   Rates on mortgages, car loans, and even some credit cards also fell, making it easier for consumers to borrow.

22.   Some say it could be a sign of distress if consumers borrow more to meet routine expenses.

23.   Some analysts believe that this continuing spree might be a sign of economic distress if consumers are borrowing to meet their routine expenses.

24.   Some consumers may be borrowing money just to meet routine expenses.

25.   That followed a month when consumers borrowed at the fastest pace in six months.

26.   The chance that consumers might borrow more, and spend more, has bears on the look-out for inflation.

27.   The combination of lower interest rates and accelerating growth and consumer confidence helped bank shares on expectations that consumers would borrow more money.

28.   The credit companies are making money by lending, and the consumers are borrowing legally.

29.   The depreciation in Southeast Asian currencies has increased the cost of imported automobiles and made it more expensive for consumers to borrow to buy cars.

30.   The Federal Reserve said today that consumers borrowed at a slower pace in February as banks toughened their standards for new loans.