21.   Banks, their lending margins under pressure from rising inter-bank rates, are already feeling the pain.

22.   Banks like Banc One Corp., whose credit card business could suffer if rising rates choke demand for loans, helped lead the decline.

23.   Automakers have been voicing worries about rising rates for months, in an effort to discourage the Fed from further action.

24.   Bank shares dropped amid concern that rising rates will make it less profitable to make loans.

25.   Banks like Banc One Corp., whose credit-card business could suffer if rising rates choke demand for loans, helped lead the decline.

26.   Banks like Citicorp, which can be hurt by rising rates, could lead the decline.

27.   Besides rising rates, investors are skittish about the strength or weakness of first-quarter earnings.

28.   A growing concern over liability and rising insurance rates also discourages bands from stage diving.

29.   A growing consensus that rising rates on fixed-income investments are too good to pass up was behind the selling, Cave said.

30.   A strong economy and rising rates would make Japanese bonds and other assets attractive to foreign investors, who need yen to purchase them.