51.   Late payments by Venezuela are hardly a new phenomenon.

52.   Late payments on residential mortgages rose to the highest level in more than two years in the third quarter, the Mortgage Bankers Association of America said.

53.   Late payments, coupled with postponement of some planned Korean chip plants and assembly lines, mean that Advantest sales in Korea will suffer, analysts said.

54.   Look for a low interest rate and low penalty fees for late payments, exceeding your credit limit or even for paying off your balance.

55.   Late payments on credit cards and home mortgages have been on the rise.

56.   Late payments started climbing because many borrowers have begun getting stung by loans that allowed them to purchase homes beyond their price range.

57.   Late payments to vendors have left the company scrambling for raw materials to manufacture its basic products, particularly instant film.

58.   Moreover, Ben-Ami said, the weight accorded to late payments can be minimized if a reasonable explanation is provided.

59.   None of the mortgages are in default or have late payments outstanding.

60.   One late payment, for example, can cause a customer to forfeit a low introductory rate, and late-payment fees are rising, he said.