61.   Analysts and executives here have been hoping that the lower rates would weaken the shekel.

62.   And even if there is still scope for lower rates, as Bundesbank President Hans Tietmeyer hinted yesterday, that scope is very limited, traders say.

63.   And ARMs never seem to deliver lower rates to homeowners who have them.

64.   And as they work their way through liberal arts colleges black students generally receive lower grades and graduate at a lower rate.

65.   Analysts and executives here have been hoping that the lower rates would also weaken the shekel against the dollar.

66.   Analysts have said Washington Mutual and other lenders could experience a rise in mortgage prepayments as long-term interest rates fall and borrowers refinance at lower rates.

67.   And customers, of course, get lower rates.

68.   And insurance companies and consultants said a rating system would not necessarily translate into lower rates for urban areas and higher rates for rural locations.

69.   And lower Swiss rates hurt the Swiss franc.

70.   And it clearly believes that lower rates will stimulate housing, as they always have.