| 21. | More important, low and declining rates this year have allowed more homeowners to refinance their mortgages.
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| 22. | The American Tobacco Industry has been little affected by the overall declining rate of tobacco consumption.
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| 23. | Declining rates of coverage and underinsurance are largely attributable to rising insurance costs and high unemployment.
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| 24. | But Spain and Portugal have a declining rate are are within 0.2 pecentage points from the target.
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| 25. | But declining rates also lower the return to investors on everything from bank deposits to government bonds.
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| 26. | Declining rates make dollar-denominated assets less attractive.
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| 27. | If we can stop the decline rate, it will be substantially additive to our reserves and profit.
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| 28. | Declining gas discovery rates foreshadow future production decline rates because gas production can only follow gas discoveries.
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| 29. | If the contract has a declining rate Early Termination Fee refers to the initial or starting amount.
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| 30. | "The banks and the brokers always do well in a steady or declining rate environment, " said Benning.
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