1.   As yields on government Treasuries retreat, corporate and individual lending rates are pared.

2.   Nonetheless, government retreats in civil rights and affirmative action in education have made minorities doubly skeptical about the new efficiency initiatives.

3.   The about-face on Friday is the latest in a series of government retreats.

4.   The religious-based charities insist that their services to the poor and elderly cannot help but be crippled amid a government retreat.

5.   This followed a government retreat on the size of social security exemptions which employers contributing to these schemes would be eligible to claim.

6.   Today, public downsizing is being linked to a federal government retreat on equal opportunity in the workplace.

7.   Yeltsin is vacationing at a government retreat outside Moscow.

8.   Daylong talks also were held in the seclusion of a U.S. government retreat on new security measures for their tense border, State Department spokesman James P. Rubin said.

9.   Meanwhile, Yeltsin has been in China since late May, where he is undergoing a health program based on traditional Chinese medicine at the government retreat in Dalian.

10.   The president began a two-week vacation Sunday at a northwest government retreat on Lake Uzhin, where he hoped to do some ice fishing.