Some investor relations specialists say the three-year decline of the stock market is yet another reason to give shareholders all the information they want.

This year is almost certain to be the third in a row that the stock market has fallen, the first three-year decline since 1939-1941.

One important factor is the dollar's three-year decline against the currencies of Japan and most European trading partners.

Japan's trade surplus has reversed course after a three-year decline, surging by 50 percent in 1991, the Government said.

Last year, 12,927 people gave $4,815,609.76, the second-highest total ever, ending a three-year decline in donors.

They range from a change of heart by speculators, who now are betting on higher prices, to the three-year decline in the stock market.

As file sharing became more popular, the music industry experienced a steady three-year decline in revenue.

This would be the first three-year decline since World War II.

"It wasn't until the three-year decline in domestic equities," he added, "that 401(k) consultants were forced to confront the issue."

At the same time, overall crime rates have continued their three-year decline.