31.   Chase Manhattan, for example, will sometimes offer different rates, depending on whether you have a traditional savings or a premium savings account.

32.   Commercial banks have increasingly been willing to offer competitive rates on auto loans as a way to develop financial relationships with affluent borrowers, the customers the banks prefer.

33.   Competitors are also making deals with businesses and trade associations, and offering special rates to their employees and members.

34.   Cox also offers cheap rates for local toll and long-distance calls.

35.   Electric competitors can then attempt to snatch away customers in those service areas by offering lower rates.

36.   Falling domestic yields increase the allure of overseas securities offering higher rates of return, thereby prompting the selling of yen for dollars.

37.   First USA, the third-largest card issuer, also offers promotional rates on its platinum cards.

38.   Experienced travelers know that the first rate mentioned is seldom the last word, and the site points out that occasionally hotels offer rates that beat the AARP discount.

39.   For travelers to Europe, some of the finest hotels are offering special rates.

40.   Four of them refused, and one offered unaffordable rates.