But even when the Federal Reserve started to raise short-term rates from the middle of 2004, long rates declined.

但即使联储局自2004年中期开始调高短期利率，长期利率依然下跌。

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As long term interest rates declined, the three big banks were able to score trading profits in JGBs three or four times greater than a year earlier.

FORBES: Financial Performance of Six Big Banks

Additionally, when researchers looked at specific types of crashes in relation to how long the driver had been licensed, they found that some types of crashes occurred at relatively high rates at first then declined quickly with experience.

FORBES: Study Shows When Teen Drivers Most Likely to Crash