31.   Bank of Japan Gov. Yasuo Matsushita said yesterday the central bank will keep rates at record lows until the economy is back on track.

32.   Banks profit by the spread between the rate at which they lend and the rate at which they borrow.

33.   Banks profit on the spread between the rate at which they lend and the rate at which they borrow.

34.   Banks also slumped on concern a raise in interest rates could narrow the spread between the rate at which they lend money and what they pay for it.

35.   Because most mortgages do not last more than seven years, the borrower essentially gets a fixed rate at a discount.

36.   Banks profit from the spread between the rate at which they lend and the rate at which they borrow.

37.   Because these drugs suppress the immune system, they can hasten the rate at which cancer spreads.

38.   Beginning next year, rates at higher brackets would be lowered in stages.

39.   Bond trading was subdued as investors waited to see whether the Federal reserve would push down rates at the two-day Federal Open Market Committee meeting.

40.   A computer analysis by The Times found a higher newborn mortality rate at public hospitals than private hospitals, both for normal-weight newborns and for all newborns.