31.   It must be disheartening to travel agents, but more and more travel providers are giving special discounts to those who book online.

32.   Many insurance companies give discounts to good students and to graduates of certified driver-education schools.

33.   Most vendors accept credit cards but will give discounts for cash.

34.   Northwest probably will pay far less for the airplanes, though, because Boeing and Airbus have been giving discounts to airlines that place large orders.

35.   One federal program -- now on hiatus, officials say, because of wrongdoing in other states -- gave steep discounts to officers who bought certain FHA foreclosure homes.

36.   Other utilities, such as Detroit Edison, have given big discounts to the major auto makers in return for long-term contracts.

37.   Rising receivables can indicate a company is giving discounts in order to boost sales.

38.   Requires TV stations to give candidates discounts for air-time.

39.   Some airlines gave discounts on replacement tickets to Swissair ticket holders, but Swissair said it cannot pay any refunds.

40.   Some banks are even giving customers discounts if they promise not to use tellers, reversing the recent trend of imposing fees for the use of automated tellers.