41.   Central bankers cited low inflation as one reason for cutting rates by a quarter-percentage point in January.

42.   Central bankers cited moderate inflation as one reason for cutting rates by a quarter-percentage point in January.

43.   Clinicians believe they can boost the success rate by combining interferons with ribavirin, a medicine that tricks the virus into making defective copies of itself.

44.   Consumer groups say this could drive down rates by fostering competition between Pac Bell and rival carriers.

45.   Consumers may obtain specific response rates by requesting them through the Freedom of Information Act.

46.   Corporate treasurers responded to the lower rates by flooding the fixed-income market with new securities.

47.   Corporations also were quick to exploit lower rates by selling debt today.

48.   Doubling female high school enrollment would cut fertility rates by more than a fourth.

49.   Efforts to reduce these rates by transferring fewer embryos can lead to a lower pregnancy rate, making patients and clinic directors alike unhappy.

50.   Even so, other investors are still betting on higher rates by the end of the year.