41.   Richard Savage, the business manager of the retreat center, acknowledged by phone that the bishop led the retreat but said he knew no details.

42.   Schmitz has led numerous retreats for the archdiocese.

43.   Shares of Philip Morris Cos. and RJR Nabisco Holdings Corp. led the retreat.

44.   Shares of the largest and most widely traded companies led the retreat, following a rout in Asian markets from Hong Kong to Tokyo.

45.   Shares of bank and auto companies, among those most affected by rising interest rates, led the retreat.

46.   Shares of Citicorp and Chase Manhattan Corp. led a retreat in bank stocks.

47.   Telecommunication and bank shares led the retreat in stocks.

48.   Technology shares lead the retreat after Intel Corp. reports disappointing earnings and Microsoft Corp. issues a warning about future growth.

49.   The retreat was led by companies whose fortunes are most closely tied to interest rates -- electric utilities, securities companies and banks.

50.   The retreat was led by utilities such as Endesa and by banks, both of which are sensitive interest rate movements.