31.   Businesses get discounted rates by routing their faxes through FaxNet instead of the regular telephone company.

32.   But he found no divergence in murder rates by age after such laws were passed.

33.   But intense competition has made it hard for companies to raise prices, forcing them to absorb higher wage rates by improving productivity or biting into their profits.

34.   But many analysts believe favorable economic news makes it more likely the Fed will cut rates by a quarter point rather than half a point.

35.   But interest-rate swings work most immediately with consumers, who usually respond to lower rates by borrowing and spending more.

36.   But Rosenberg said that previous surveys had shown that when studies were controlled for poverty, education and income, homicide rates by blacks and whites were very similar.

37.   But some analysts believe the Fed is ready to experiment with stronger medicine and could jack up rates by as much as a full percentage point.

38.   But that is because investors are already betting that the Fed will raise the target for the funds rate by at least half a percentage point.

39.   By contrast, the Fed raised rates by a quarter-point in February, March and April this year.

40.   Catalog companies are sending more than ever this year in anticipation of increased postal rates by January.