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People start their own businesses for many reasons .
People start their own businesses for many reasons .
1
But a chance to fill out sales - tax records is rarely one of them .
But a chance to fill out sales - tax records is rarely <cardinal>one</cardinal> of them .
2
Red tape is the bugaboo of small business .
Red tape is the bugaboo of small business .
3
Ironically , the person who wants to run his or her own business is probably the active , results - oriented sort most likely to hate meeting the rules and record - keeping demands of federal , state and local regulators .
Ironically , the person who wants to run his or her own business is probably the active , results - oriented sort most likely to hate meeting the rules and record - keeping demands of federal , state and local regulators .
4
Yet every business owner has to face the mound of forms and regulations -- and often is the only one available to tackle it .
Yet every business owner has to face the mound of forms and regulations -- and often is the only one available to tackle it .
5
There is hope of change .
There is hope of change .
6
Last week , Sen. Malcolm Wallop -LRB- R. , Wyo . -RRB- held hearings on a bill to strengthen an existing law designed to reduce regulatory hassles for small businesses .
<date>Last week</date> , Sen. <person>Malcolm Wallop</person> -LRB- <norp>R.</norp> , <gpe>Wyo .</gpe> -RRB- held hearings on a bill to strengthen an existing law designed to reduce regulatory hassles for small businesses .
7
`` A great many federal regulations are meant for larger entities and do n't really apply to small businesses , '' says Marian Jacob , a legislative aide to Sen. Wallop .
`` A great many federal regulations are meant for larger entities and do n't really apply to small businesses , '' says <person>Marian Jacob</person> , a legislative aide to Sen. <person>Wallop</person> .
8
Other lawmakers are busy trying to revive the recently lapsed Paperwork Reduction Act , which many feel benefited small enterprises .
Other lawmakers are busy trying to revive the recently lapsed <law>Paperwork Reduction Act</law> , which many feel benefited small enterprises .
9
Thus , optimistic entrepreneurs await a promised land of less red tape -- just as soon as Uncle Sam gets around to arranging it .
Thus , optimistic entrepreneurs await a promised land of less red tape -- just as soon as <person>Uncle Sam</person> gets around to arranging it .
10
Meanwhile , they tackle the mounds of paper -- and fantasize about a dream world where bulk - mail postal regulations and government inspectors are banished .
Meanwhile , they tackle the mounds of paper -- and fantasize about a dream world where bulk - mail postal regulations and government inspectors are banished .
11
To find out what red tape riles entrepreneurs most , the Journal asked a completely unscientific , random sample of business owners to fantasize about the forms and regulations they would most like to get lost in the mail .
To find out what red tape riles entrepreneurs most , the <org>Journal</org> asked a completely unscientific , random sample of business owners to fantasize about the forms and regulations they would most like to get lost in the mail .
12
Some entrepreneurs say the red tape they most love to hate is red tape they would also hate to lose .
Some entrepreneurs say the red tape they most love to hate is red tape they would also hate to lose .
13
They concede that much of the government meddling that torments them is essential to the public good , and even to their own businesses .
They concede that much of the government meddling that torments them is essential to the public good , and even to their own businesses .
14
Rules that set standards for products or govern business behavior , generally the best regarded form of red tape , `` create a level playing field and keep unscrupulous competitors away , '' says Sidney West , president of TechDesign International Inc. , a Springfield , Va. , business that designs telecommunication and other products .
Rules that set standards for products or govern business behavior , generally the best regarded form of red tape , `` create a level playing field and keep unscrupulous competitors away , '' says <person>Sidney West</person> , president of <org>TechDesign International Inc.</org> , a <gpe>Springfield</gpe> , <gpe>Va.</gpe> , business that designs telecommunication and other products .
15
Mr. West cites the Federal Communications Commission and its standards for telecommunications equipment : `` They monitor product quality and prevent junk from flooding the market . ''
Mr. <person>West</person> cites <org>the Federal Communications Commission</org> and its standards for telecommunications equipment : `` They monitor product quality and prevent junk from flooding the market . ''
16
Some gripes about red tape are predictable : Architects complain about a host of building regulations , auto leasing companies about car insurance rules .
Some gripes about red tape are predictable : Architects complain about a host of building regulations , auto leasing companies about car insurance rules .
17
Determining when handicapped access is required can be a nightmare for architects , says Mark Dooling , president of Dooling & Co. , a Newton , Mass. , architectural firm .
Determining when handicapped access is required can be a nightmare for architects , says <person>Mark Dooling</person> , president of <org>Dooling & Co.</org> , a <gpe>Newton</gpe> , <gpe>Mass.</gpe> , architectural firm .
18
There is such a maze of federal , state and local codes that `` building inspectors are backing away from interpreting them , '' Mr. Dooling says .
There is such a maze of federal , state and local codes that `` building inspectors are backing away from interpreting them , '' Mr. <person>Dooling</person> says .
19
Taxi , leasing and other companies that maintain fleets of vehicles devote substantial resources to complying with state insurance laws and a host of agencies .
Taxi , leasing and other companies that maintain fleets of vehicles devote substantial resources to complying with state insurance laws and a host of agencies .
20
`` It 's very costly and time - consuming , '' says Phil Rosen , a partner in Fleet & Leasing Management Inc. , a Boston car - leasing company .
`` It 's very costly and time - consuming , '' says <person>Phil Rosen</person> , a partner in <org>Fleet & Leasing Management Inc.</org> , a <gpe>Boston</gpe> car - leasing company .
21
One senior executive at his firm spends nearly 20 % of his time on insurance , he says .
<cardinal>One</cardinal> senior executive at his firm spends <percent>nearly 20 %</percent> of his time on insurance , he says .
22
Other forms of red tape are more pervasive .
Other forms of red tape are more pervasive .
23
The most onerous , many entrepreneurs say , is the record - keeping and filing required by tax authorities .
The most onerous , many entrepreneurs say , is the record - keeping and filing required by tax authorities .
24
Complying with environmental and workplace regulations runs a close second .
Complying with environmental and workplace regulations runs a close <ordinal>second</ordinal> .
25
But gripes run the gamut .
But gripes run the gamut .
26
Here is the red tape that irks surveyed business owners the most :
Here is the red tape that irks surveyed business owners the most :
27
ENVIRONMENTAL REGULATIONS :
ENVIRONMENTAL REGULATIONS :
28
Next to medical insurance , `` costs of compliance '' are the fastest - growing expense at Impco Inc. , a Providence , R.I. , chemical company .
Next to medical insurance , `` costs of compliance '' are the fastest - growing expense at <org>Impco Inc.</org> , a <gpe>Providence</gpe> , <gpe>R.I.</gpe> , chemical company .
29
Peter Gebhard , the company 's owner , says spending on regulatory paper work and the people to do it -- mostly to comply with federal , state and local environmental laws -- will rise almost 30 % this year to $ 100,000 .
<person>Peter Gebhard</person> , the company 's owner , says spending on regulatory paper work and the people to do it -- mostly to comply with federal , state and local environmental laws -- will rise <percent>almost 30 %</percent> <date>this year</date> to $ <money>100,000</money> .
30
Mr. Gebhard adds that spending on environmental red tape amounts to between 6.5 % and 7.5 % of Impco 's total operating expenses .
Mr. <person>Gebhard</person> adds that spending on environmental red tape amounts to <percent>between 6.5 % and 7.5 %</percent> of <org>Impco</org> 's total operating expenses .
31
Eastern Reproduction Corp. , a Waltham , Mass. , maker of thin metal precision parts , must report to five federal and state agencies as well as to local fire , police , hospital and plumbing authorities , says Robert Maguire , president .
<org>Eastern Reproduction Corp.</org> , a <gpe>Waltham</gpe> , <gpe>Mass.</gpe> , maker of thin metal precision parts , must report to <cardinal>five</cardinal> federal and state agencies as well as to local fire , police , hospital and plumbing authorities , says <person>Robert Maguire</person> , president .
32
One state environmental regulator returned a report because `` it was n't heavy enough , it could n't have been correct , '' Mr. Maguire says .
<cardinal>One</cardinal> state environmental regulator returned a report because `` it was n't heavy enough , it could n't have been correct , '' Mr. <person>Maguire</person> says .
33
WITHHOLDING RULES :
WITHHOLDING RULES :
34
Employers must deposit withholding taxes exceeding $ 3,000 within three days after payroll -- or pay stiff penalties -- and that 's a big problem for small businesses .
Employers must deposit withholding taxes exceeding $ <money>3,000</money> within <date>three days</date> after payroll -- or pay stiff penalties -- and that 's a big problem for small businesses .
35
It 's especially nettlesome `` if you 're on the road and you 're the one responsible , '' says Eddie Brown , president of Brown Capital Management Inc. , a Baltimore money - management firm .
It 's especially nettlesome `` if you 're on the road and you 're the one responsible , '' says <person>Eddie Brown</person> , president of <org>Brown Capital Management Inc.</org> , a <gpe>Baltimore</gpe> money - management firm .
36
EMPLOYEE MANUALS :
EMPLOYEE MANUALS :
37
Revising employee manuals on pensions , health care and other subjects costs over $ 25,000 a year for Bert Giguiere , president of Professional Agricultural Management Inc. , a Fresno , Calif. , provider of business services to farmers .
Revising employee manuals on pensions , health care and other subjects costs <money>over $ 25,000</money> a year for <person>Bert Giguiere</person> , president of <org>Professional Agricultural Management Inc.</org> , a <gpe>Fresno</gpe> , <gpe>Calif.</gpe> , provider of business services to farmers .
38
An employer leaves itself open to a great deal of liability if its employee manuals do n't reflect the most recent laws , he says .
An employer leaves itself open to a great deal of liability if its employee manuals do n't reflect the most recent laws , he says .
39
But the ever - changing laws are usually so complicated and confusing that `` you need professionals to help you ; you ca n't do it yourself , '' he adds .
But the ever - changing laws are usually so complicated and confusing that `` you need professionals to help you ; you ca n't do it yourself , '' he adds .
40
PENSION AND PROFIT - SHARING RULES :
PENSION AND PROFIT - SHARING RULES :
41
Complying with these is enough to make business owners look forward to their own pension days .
Complying with these is enough to make business owners look forward to <date>their own pension days</date> .
42
Yearly changes in federal benefit laws force small businesses to repeatedly re-evaluate and redesign existing plans .
<date>Yearly</date> changes in federal benefit laws force small businesses to repeatedly re-evaluate and redesign existing plans .
43
Alice Fixx , who runs her own public - relations concern in New York , says she has had to overhaul her pension and profit - sharing plans three times in the past three years .
<person>Alice Fixx</person> , who runs her own public - relations concern in <gpe>New York</gpe> , says she has had to overhaul her pension and profit - sharing plans <cardinal>three</cardinal> times in <date>the past three years</date> .
44
`` It does n't increase benefits , but it 's costly and time - consuming , '' Ms. Fixx says .
`` It does n't increase benefits , but it 's costly and time - consuming , '' Ms. <person>Fixx</person> says .
45
Compliance added 15 % to 20 % to her accounting bill last year , she says .
Compliance added <percent>15 % to 20 %</percent> to her accounting bill <date>last year</date> , she says .
46
SALES TAX RECORDS :
SALES TAX RECORDS :
47
Advertising agencies and other service companies are exempt from city and state sales tax in most locales -- but the exemption comes at a price of exhaustive records and rigorous reviews .
Advertising agencies and other service companies are exempt from city and state sales tax in most locales -- but the exemption comes at a price of exhaustive records and rigorous reviews .
48
To justify their exempt status and avoid penalties , these businesses must show once a year that each and every transaction on which they did n't pay sales tax was a legitimate business expense .
To justify their exempt status and avoid penalties , these businesses must show once a year that each and every transaction on which they did n't pay sales tax was a legitimate business expense .
49
`` You need one person to just take care of sales tax , '' says Jennie Tong , executive vice president of Lee Liu & Tong Advertising Inc. , New York .
`` You need <cardinal>one</cardinal> person to just take care of sales tax , '' says <person>Jennie Tong</person> , executive vice president of <org>Lee Liu & Tong Advertising Inc.</org> , <gpe>New York</gpe> .
50
When the Trinity Repertory Theater named Anne Bogart its artistic director last spring , the nation 's theatrical cognoscenti arched a collective eyebrow .
When <org>the Trinity Repertory Theater</org> named <person>Anne Bogart</person> its artistic director <date>last spring</date> , the nation 's theatrical cognoscenti arched a collective eyebrow .
51
Ms. Bogart , an acclaimed creator of deconstructed dramatic collages that tear into such sacred texts as Rodgers and Hammerstein 's `` South Pacific , '' is decidedly downtown .
Ms. <person>Bogart</person> , an acclaimed creator of deconstructed dramatic collages that tear into such sacred texts as <person>Rodgers</person> and <person>Hammerstein</person> 's `` <work_of_art>South Pacific</work_of_art> , '' is decidedly downtown .
52
Trinity Rep meanwhile is one of the nation 's oldest and most respected regional theaters , still hosting an annual `` A Christmas Carol . ''
<org>Trinity Rep</org> meanwhile is <cardinal>one</cardinal> of the nation 's oldest and most respected regional theaters , still hosting an <date>annual</date> `` <work_of_art>A Christmas Carol</work_of_art> . ''
53
How would this bastion of traditional values fare in Ms. Bogart 's iconoclastic hands ?
How would this bastion of traditional values fare in Ms. <person>Bogart</person> 's iconoclastic hands ?
54
She held her fire with her first production at the Trinity earlier this season .
She held her fire with her <ordinal>first</ordinal> production at the <org>Trinity</org> <date>earlier this season</date> .
55
It was a predictable revival of her prize - winning off - Broadway anthology of Bertolt Brecht 's theoretical writings , called `` No Plays , No Poetry . ''
It was a predictable revival of her prize - winning off - <fac>Broadway</fac> anthology of <person>Bertolt Brecht 's</person> theoretical writings , called `` <work_of_art>No Plays , No Poetry</work_of_art> . ''
56
Now , with the opening of Maxim Gorky 's bourgeois - bashing `` Summerfolk , '' Ms. Bogart has laid her cards on the table .
<date>Now</date> , with the opening of <person>Maxim Gorky 's</person> bourgeois - bashing `` <work_of_art>Summerfolk</work_of_art> , '' Ms. <person>Bogart</person> has laid her cards on the table .
57
Hers is a hand that will test the mettle of her audiences .
Hers is a hand that will test the mettle of her audiences .
58
For Ms. Bogart , who initially studied and directed in Germany -LRB- and cites such European directors as Peter Stein , Giorgio Strehler and Ariane Mnouchkine as influences -RRB- tends to stage her productions with a Brechtian rigor -- whether the text demands it or not .
For Ms. <person>Bogart</person> , who initially studied and directed in <gpe>Germany</gpe> -LRB- and cites such <norp>European</norp> directors as <person>Peter Stein</person> , <person>Giorgio Strehler</person> and <person>Ariane Mnouchkine</person> as influences -RRB- tends to stage her productions with a Brechtian rigor -- whether the text demands it or not .
59
And Gorky , considered the father of Soviet socialist realism , did not write plays that easily lend themselves to deliberately antirealistic distancing techniques .
And <person>Gorky</person> , considered the father of <norp>Soviet</norp> socialist realism , did not write plays that easily lend themselves to deliberately antirealistic distancing techniques .
60
Gorky was a loyal if occasionally ambivalent proletarian writer committed to enlightening the masses with plain speaking rooted in a slightly sour version of Chekhovian humanism .
<person>Gorky</person> was a loyal if occasionally ambivalent proletarian writer committed to enlightening the masses with plain speaking rooted in a slightly sour version of <norp>Chekhovian</norp> humanism .
61
And `` Summerfolk , '' penned in 1904 as a kind of sequel to Chekhov 's `` Cherry Orchard , '' is a lawn party of Russian yuppies engaged in an exhausting ideological fight to the finish between the allrightniks and the reformers .
And `` <work_of_art>Summerfolk</work_of_art> , '' penned in <date>1904</date> as a kind of sequel to <person>Chekhov</person> 's `` <work_of_art>Cherry Orchard</work_of_art> , '' is a lawn party of <norp>Russian</norp> yuppies engaged in an exhausting ideological fight to the finish between the allrightniks and the reformers .
62
Along the way there also are lots of romantic dalliances .
Along the way there also are lots of romantic dalliances .
63
Wisely Ms. Bogart has kept Gorky 's time and place intact .
Wisely Ms. <person>Bogart</person> has kept <person>Gorky</person> 's time and place intact .
64
Despite the absence of samovars -LRB- and a tendency to turn the furniture upside down -RRB- , the production is rich in Russian ennui voiced by languorous folk sporting beige linen and rumpled cotton , with boaters and fishing poles aplenty .
Despite the absence of samovars -LRB- and a tendency to turn the furniture upside down -RRB- , the production is rich in <norp>Russian</norp> ennui voiced by languorous folk sporting beige linen and rumpled cotton , with boaters and fishing poles aplenty .
65
But beyond this decorative nod to tradition , Ms. Bogart and company head off in a stylistic direction that all but transforms Gorky 's naturalistic drama into something akin to , well , farce .
But beyond this decorative nod to tradition , Ms. <person>Bogart</person> and company head off in a stylistic direction that all but transforms <person>Gorky</person> 's naturalistic drama into something akin to , well , farce .
66
The director 's attempt to force some Brechtian distance between her actors and their characters frequently backfires with performances that are unduly mannered .
The director 's attempt to force some Brechtian distance between her actors and their characters frequently backfires with performances that are unduly mannered .
67
Not only do the actors stand outside their characters and make it clear they are at odds with them , but they often literally stand on their heads .
Not only do the actors stand outside their characters and make it clear they are at odds with them , but they often literally stand on their heads .
68
Like Peter Sellars , Ms. Bogart manipulates her actors as if they were rag dolls , sprawling them on staircases , dangling them off tables , even hanging them from precipices while having them perform some gymnastic feats of derring - do .
Like <person>Peter Sellars</person> , Ms. <person>Bogart</person> manipulates her actors as if they were rag dolls , sprawling them on staircases , dangling them off tables , even hanging them from precipices while having them perform some gymnastic feats of derring - do .
69
There are moments in this `` Summerfolk '' when the characters populating the vast multilevel country house -LRB- which looks like a parody of Frank Lloyd Wright and is designed by Victoria Petrovich -RRB- spout philosophic bon mots with the self - conscious rat - a - tat - tat pacing of `` Laugh In . ''
There are moments in this `` <work_of_art>Summerfolk</work_of_art> '' when the characters populating the vast multilevel country house -LRB- which looks like a parody of <person>Frank Lloyd Wright</person> and is designed by <person>Victoria Petrovich</person> -RRB- spout philosophic bon mots with the self - conscious rat - a - tat - tat pacing of `` <work_of_art>Laugh In</work_of_art> . ''
70
`` Talk hurts from where it spurts , '' one of them says .
`` Talk hurts from where it spurts , '' one of them says .
71
The clash of ideologies survives this treatment , but the nuance and richness of Gorky 's individual characters have vanished in the scuffle .
The clash of ideologies survives this treatment , but the nuance and richness of <person>Gorky</person> 's individual characters have vanished in the scuffle .
72
As for the humor that Gorky 's text provides , when repainted in such broad strokes -LRB- particularly by the lesser members of the ensemble -RRB- it looks and sounds forced .
As for the humor that <person>Gorky</person> 's text provides , when repainted in such broad strokes -LRB- particularly by the lesser members of the ensemble -RRB- it looks and sounds forced .
73
Ms. Bogart does better with music than with words when she wants , as she so often does want , to express herself through Gorky 's helpless play .
Ms. <person>Bogart</person> does better with music than with words when she wants , as she so often does want , to express herself through <person>Gorky</person> 's helpless play .
74
Here she has the aid of her longtime associate Jeff Helpern , whom she appointed Trinity 's first - ever musical director and whom she equipped with a spanking new $ 60,000 sound system and recording studio .
Here she has the aid of her longtime associate <person>Jeff Helpern</person> , whom she appointed <org>Trinity</org> 's <ordinal>first</ordinal> - ever musical director and whom she equipped with a spanking new $ <money>60,000</money> sound system and recording studio .
75
For Gorky , Mr. Helpern provided an aural collage of Debussy and Rachmaninoff , which is less a score than a separate character with a distinct point of view .
For <person>Gorky</person> , Mr. <person>Helpern</person> provided an aural collage of <person>Debussy</person> and <person>Rachmaninoff</person> , which is less a score than a separate character with a distinct point of view .
76
Like Brecht , and indeed Ezra Pound , Ms. Bogart has said that her intent in such manipulative staging of the classics is simply an attempt to `` make it new . ''
Like <person>Brecht</person> , and indeed <person>Ezra Pound</person> , Ms. <person>Bogart</person> has said that her intent in such manipulative staging of the classics is simply an attempt to `` make it new . ''
77
Indeed , during a recent post-production audience discussion , the director explained that her fondest artistic wish was to find a way to play `` Somewhere Over the Rainbow '' so that the song 's `` original beauty comes through , '' surmounting the cliche .
Indeed , during a recent post-production audience discussion , the director explained that her fondest artistic wish was to find a way to play `` <work_of_art>Somewhere Over the Rainbow</work_of_art> '' so that the song 's `` original beauty comes through , '' surmounting the cliche .
78
The danger that Ms. Bogart seems to be courting here is one of obfuscation rather than rejuvenation , a vision so at odds with the playwright 's that the two points of view nullify , rather than illuminate , each other .
The danger that Ms. <person>Bogart</person> seems to be courting here is one of obfuscation rather than rejuvenation , a vision so at odds with the playwright 's that the <cardinal>two</cardinal> points of view nullify , rather than illuminate , each other .
79
Ms. Bogart 's cast is part and parcel of the problem .
Ms. <person>Bogart</person> 's cast is part and parcel of the problem .
80
Ed Shea and Barbara Orson never find a real reason for their love affair as the foolish , idealistic young Vass and the tirelessly humanitarian doctor Maria Lvovna .
<person>Ed Shea</person> and <person>Barbara Orson</person> never find a real reason for their love affair as the foolish , idealistic young <person>Vass</person> and the tirelessly humanitarian doctor <person>Maria Lvovna</person> .
81
Cynthia Strickland as the long - suffering Varvara is a tiresome whiner , not the inspirational counterrevolutionary Gorky intended .
<person>Cynthia Strickland</person> as the long - suffering <person>Varvara</person> is a tiresome whiner , not the inspirational counterrevolutionary <person>Gorky</person> intended .
82
Better to look in the corners for performances that inspire or amuse .
Better to look in the corners for performances that inspire or amuse .
83
Janice Duclos , in addition to possessing one of the evening 's more impressive vocal instruments , brings an unsuspected comedic touch to her role of Olga , everybody 's favorite mom .
<person>Janice Duclos</person> , in addition to possessing <cardinal>one</cardinal> of the <time>evening</time> 's more impressive vocal instruments , brings an unsuspected comedic touch to her role of <person>Olga</person> , everybody 's favorite mom .
84
Marni Rice plays the maid with so much edge as to steal her two scenes .
<person>Marni Rice</person> plays the maid with so much edge as to steal her <cardinal>two</cardinal> scenes .
85
But it is the Trinity Rep newcomer , Jonathan Fried -LRB- Zamislov , the paralegal -RRB- who is the actor to watch , whether he is hamming it up while conducting the chamber musicians or seducing his neighbor 's wife -LRB- Becca Lish -RRB- by licking her bosom .
But it is the <org>Trinity Rep</org> newcomer , <person>Jonathan Fried -LRB- Zamislov</person> , the paralegal -RRB- who is the actor to watch , whether he is hamming it up while conducting the chamber musicians or seducing his neighbor 's wife -LRB- <person>Becca Lish</person> -RRB- by licking her bosom .
86
Ms. de Vries writes frequently about theater .
Ms. <person>de Vries</person> writes frequently about theater .
87
Yields on certificates of deposit at major banks were little changed in the latest week .
Yields on certificates of deposit at major banks were little changed in <date>the latest week</date> .
88
The average yield on six - month CDs of $ 50,000 and less slipped to 7.96 % from 8.00 % , according to Banxquote Money Markets , an information service based here .
The average yield on <date>six - month</date> CDs of $ <money>50,000</money> and less slipped to <percent>7.96 %</percent> from <percent>8.00 %</percent> , according to <org>Banxquote Money Markets</org> , an information service based here .
89
On one - year CDs of $ 50,000 and less , the average slid to 8.02 % from 8.06 % .
On <date>one - year</date> CDs of $ <money>50,000</money> and less , the average slid to <percent>8.02 %</percent> from <percent>8.06 %</percent> .
90
Both issues are among the most popular with individual investors .
Both issues are among the most popular with individual investors .
91
`` Because of shrinkage in the economy , rates can be expected to decline over a one - year horizon , '' said Norberto Mehl , chairman of Banxquote .
`` Because of shrinkage in the economy , rates can be expected to decline over a <date>one - year</date> horizon , '' said <person>Norberto Mehl</person> , chairman of <org>Banxquote</org> .
92
`` It 's unclear how much rates can fall and how soon . ''
`` It 's unclear how much rates can fall and how soon . ''
93
Changes in CD yields in the week ended Tuesday were in line with blips up and down within a fairly narrow range for the last two months .
Changes in CD yields in <date>the week ended Tuesday</date> were in line with blips up and down within a fairly narrow range for <date>the last two months</date> .
94
Interest rates generally began declining last spring after moving steadily upward for more than a year .
Interest rates generally began declining <date>last spring</date> after moving steadily upward for <date>more than a year</date> .
95
The average yield on small - denomination three - month CDs moved up two - hundredths of a percentage point in the latest week to 7.85 % .
The average yield on small - denomination <date>three - month</date> CDs moved up <cardinal>two - hundredths</cardinal> of a percentage point in <date>the latest week</date> to <percent>7.85 %</percent> .
96
Long - term CDs declined just a fraction .
Long - term CDs declined just a fraction .
97
The average yield on both two - year CDs and five - year CDs was 7.98 % .
The average yield on both <date>two - year</date> CDs and <date>five - year</date> CDs was <percent>7.98 %</percent> .
98
Only CDs sold by major brokerage firms posted significant increases in average yields in the latest week , reflecting increased yields on Treasury bills sold at Monday 's auction .
Only CDs sold by major brokerage firms posted significant increases in average yields in <date>the latest week</date> , reflecting increased yields on <org>Treasury</org> bills sold at <date>Monday</date> 's auction .
99
The average yield on six - month broker - sold CDs rose to 8.29 % from 8.05 % and on one - year CDs the average yield rose to 8.30 % from 8.09 % .
The average yield on <date>six - month</date> broker - sold CDs rose to <percent>8.29 %</percent> from <percent>8.05 %</percent> and on <date>one - year</date> CDs the average yield rose to <percent>8.30 %</percent> from <percent>8.09 %</percent> .
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