41.   Here are a few other South Beach hotels that are offering bargain rates.

42.   Higher U.S. rates can discourage investors from keeping their savings in pesos as hard-currency bonds offer higher rates, with less risk of a sudden peso fluctuation.

43.   If a customer wants to use MCI or Sprint, which may offer lower rates, they must dial a special access code before punching in the number.

44.   In a Ponzi or pyramid scheme, investors typically are offered high rates of return.

45.   In many cases, employees who also sign up are offered reduced rates for their homes.

46.   In particular, NextCard will check how much the applicant owes on other cards and will offer lower rates if customers transfer all their balances to the new card.

47.   In exchange for the information, the insurers would offer lower rates.

48.   In other cases, Beamer said, customers are being sent cards in the mail with a five-digit long-distance access number offering lower rates.

49.   In the past, phone companies have offered cut rates to low-income customers, and made up the difference by charging more to business customers.

50.   Insurance companies promised to deliver patients in bulk if hospitals would offer discounted rates.