The chain says the rates represent a discount of at least 20 percent off the standard price.

"We felt those rates represented too much of a reach."

He emphasized that the high rate of compliance represented the parent's choice, not the child's.

The rate, starting at $632, represents a 50 percent savings.

Even so, the rate is down from 6.7 percent a year ago and represents its lowest point in 17 years.

But that rate of decline represents a one percentage point improvement from three months ago.

"But in the longer run it is not at all clear that a lower rate of home ownership represents a big loss to society."

That rate of response represents a 12 percent drop-off from 1980.

Even so, that rate represents a two-thirds increase in the numbers of unemployed natural scientists over the three years, from 15,000 to 25,000.

Real rates then represent the true cost of a loan.