61.   Pay phones that use major long-distance companies as their providers usually offer reasonable rates.

62.   Rather than putting together special packages, some New York hotels are simply offering discounted rates.

63.   Reduced rates have been offered because a dozen temporary greens were in play last week, at the height of the fungus infiltration.

64.   Several new or newly purchased hotels in New York City are offering discounted rates through late summer or early fall.

65.   She said credit unions can offer better rates because they do not have expensive boards to pay or outside shareholders who expect dividends.

66.   Smaller towers are at a disadvantage against automobile clubs and other large customers that offer cut rates, Miller Chairman William Miller told a towing publication last year.

67.   Short-term certificates of deposit also offer low rates that barely outpace savings account rates.

68.   Some are offering higher rates on money market accounts, or free checking.

69.   Specialist insurers offer reasonable rates for limited mileage on cars over a certain age.

70.   Still, some luxury hotels are offering holiday rates well below normal.