41.   At this writing, the inflation rate and the long-term interest rates are lower in France than in Germany.

42.   Attorney fees tend to be lower in large settlements like this one.

43.   Automobile production is usually lower in the second half of the year because of the summer and Christmas holidays.

44.   Average wages are higher and housing costs lower in Chicago than in San Diego.

45.   Because managed care is so mature here, HMO premiums are lower in California than elsewhere.

46.   Benign inflation news like that has often emboldened central bankers to push rates lower in the past when the economy shows signs of slowing.

47.   Besides, the risk of listing contributors is lower in his campaign than it might be in others.

48.   BofA may actually take in less because ATM usage levels may be lower in other places than they are in the Bay Area.

49.   Bond prices fell early Friday after the Labor Department reported that unemployment had dropped a notch lower in May.

50.   Bonds had rallied during the day but followed the stock market lower in the last hour of trading.