51.   Kathy Navarro, a Phoenix police assistant who rides the bus every day, sees a down side to using credit cards on transit.

52.   Many bank stocks also wound up on the down side after a recent upsurge, amid concern that the Barings failure could create similar instability here.

53.   NBC has yet to see the down side.

54.   Now the sordid tale is on the down side, sliding through the inside pages toward the truss ads.

55.   Now the down side.

56.   Now with that situation vastly improved, we see the down side of conveying cars more quickly.

57.   On the down side, bank stocks fell, hurt by growing speculation interest rates could rise this fall, traders said.

58.   On the down side, Emry said Scout has a mind of his own.

59.   On the down side, machinery orders dropped at clothing, food, rubber and transportation companies.

60.   On the down side, the evaluation noted that a number of minor funds are in deficit and the MBTA subsidy is one year in arrears.