81.   But at the same time, savings rates fell to their lowest levels and debt payments rose to their highest levels ever.

82.   But auto rates do sometimes fall, making refinancing at a lower rate attractive to many borrowers.

83.   But credit card rates have fallen far less sharply.

84.   But even with long-term rates at new lows, shorter-term rates have not fallen so far.

85.   But in the bond market, rates actually fell a bit, and stock prices rose strongly.

86.   But lenders said it is dangerous to bet that rates will fall.

87.   But Luc Vandevelde, the chief executive, cautioned that the growth rate would fall.

88.   But now rates are falling again.

89.   But now, with crime rates falling, that may be changing.

90.   But once Albany allows rates to fall, insurers would not voluntarily pay for charity care and physician training that does not directly benefit their subscribers.