51.   Rising defaults could force card companies to redeem their bonds early, leaving bondholders with the prospect of investing in new securities with lower returns.

52.   Shorter-term funds yield lower returns but are much less volatile.

53.   Such funds historically have lower returns than regular stock funds.

54.   That has some analysts predicting lower returns per license for the federal government this time around.

55.   Such refinancings would give ARM bondholders their money back sooner than expected, leaving them with the prospect of reinvesting in new securities with lower returns.

56.   That party could be in no mood to accept a lower return, said Ling.

57.   The consequences are large, since studies show that investors who trade frequently get lower returns and heavy trading contributes to wide swings in the market.

58.   The consequences are large, since studies show that investors who trade frequently get lower returns, and heavy trading contributes to wide swings in the market.

59.   The lower return on deposits at a time when bonds were soaring because of falling interest rates prompted many clients to shift money into investment and pension funds.

60.   The lower returns have made the policies less attractive to Japanese consumers.