31.  As mortgage rates have fallen the last few months to tantalizingly low levels, many people have begun wondering whether they should refinance.

32.  As a consequence, said the newspaper, "short term interest rates might well stay at their present low level well into next year.

33.  As a result, even the low levels of cryptosporidium-like parasites found in Boston and Springfield, Mass. water could be making people sick.

34.  Following a big fall after last month's earthquake, the Nikkei index of 225 stocks has been hovering at a low level of around 18,000.

35.  Few analysts expect the Bank of Japan to raise rates from their historically low levels before the end of the year.

36.  Fidelity reported a low level of net withdrawals in its two California funds, while State Street Research said money was coming into its California fund.

37.  For instance, anemia, low levels of oxygen-carrying hemoglobin in the blood, can often be treated with transfusions or a drug called erythropoietin.

38.  For some, this decline can reach very low levels by the middle teen-age years or young adulthood.

39.  For that to reoccur, domestic interest rates would have to fall from their current near-historic low levels, and with the economy growing that's unlikely.

40.  For the first time, some scientists are saying that some species of ocean fish and invertebrates are reaching the perilously low levels where extinction becomes a real possibility.