31.   Credit quality deteriorated in other areas, though, as commercial and credit card losses surged.

32.   Credit quality deteriorated, as commercial and credit card losses surged.

33.   Credit quality is another factor.

34.   Credit quality is being downgraded.

35.   Credit quality is significantly higher than it was six and seven years ago.

36.   Credit quality is still good, even with a slowing U.S. economy.

37.   Credit quality was a drag on earnings.

38.   Credit quality also improved.

39.   Credit quality in high-grade mutual bond funds has been declining steadily for two years.

40.   Credit quality was a drain on earnings.