1.   The currency crisis, with higher mortgages and interest rates, means that consumers have far less disposable income.

2.   An increase could lead to higher mortgages and possibly prompt prospective buyers to hold off their purchases.

3.   But the higher mortgage volume and stock repurchases have helped the company offset that pressure, said Caren Mayer, an analyst with Nationsbanc Montgomery Securities.

4.   Even residents of Orange County, Calif., and San Diego pay higher monthly mortgages than Bostonians.

5.   Higher bond rates increase the cost of corporate borrowing while higher mortgage and credit cards rate curtail consumer demand.

6.   Higher mortgage are already hampering the housing market.

7.   Higher mortgages rates and rising debt loads are putting a damper on household finances, analysts said.

8.   Higher mortgage costs, which are pegged to government interest rates, were expected to damp home sales.

9.   Higher mortgage payments.

10.   It blamed higher mortgage interest rates for squeezing discretionary spending money and increased competition from clubs with poker machines.