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