21.   Expectations of lower returns on German deposits sent the deutsche mark into a tailspin against major currencies.

22.   Falling interest rates boost the price of existing securities as investors anticipate new issues offering lower returns.

23.   For those investors, the protection is worth lower returns, he said.

24.   Friendly mergers, like those dominating the news today, produce consistently lower returns.

25.   German bonds, which give investors lower returns when inflation rises, got a boost from the forecast.

26.   Government bonds generally offer lower returns than stocks or corporate bonds.

27.   Gravitz said the magnitude of the increase in socially-responsible investing disproves that such investing usually produces lower returns.

28.   Higher prepayments cut short the life of mortgage securities, forcing bondholders to reinvest in new securities at lower returns.

29.   However, they are making lower returns on that investment than they would make from providing traditional telephone service.

30.   In addition, the drop in interest rates has given those who deposit their savings in banks lower returns, thus making stocks more attractive as an investment option.