1.   Borrowing a book costs four cents a day.

2.   Shares of banks gained amid optimism that falling interest rates will spur consumers and business to take out more loans and help profits by lowering borrowing costs.

3.   Shares of banks rose amid optimism that falling interest rates will spur consumers and business to take out more loans and help profits by lowering borrowing costs.

4.   Stocks fell for a second day amid concern that a higher borrowing costs and a strengthening U.S. dollar and would crimp profit growth.

5.   U.S. stocks retreated for a second day amid concern that a higher borrowing costs and a strengthening U.S. dollar and would crimp profit growth.