The process repeats as new firms come in and loan at still lower rates.
Yet the level of optimism is still lower than it was in the last 20 years.
Interest rates are still lower than a year ago, and share prices a lot higher.
Most Chinese exports to the US are still lower value manufactured goods such as clothing and shoes.
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But some think German yields could fall still lower, pushing prices higher and generating gains for bondholders.
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The next day the institutions could decide to unload more Apple shares, at a still lower price.
Yields on 10-year notes have climbed of late, to 1.81% Wednesday, but are still lower than 2.56%.
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He also stressed the unemployment rate in Scotland was still lower than that for the UK as whole.
Consumer spending expanded 0.2% after no gain in December, but was still lower than the expected 0.4% forecast.
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This is still lower than in most of Europe, and one-third of the figure for the United Kingdom.
But the percent of consumers who are positively disposed to the Toyota brand is still lower than pre-recall scores.
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Most of the stocks, except for Lehman, had recovered somewhat in the early afternoon, but all were still lower on the day.
It is the largest number it has ever had, but is still lower per head of population than other Welsh police forces.
So far, 64 children have died from the flu this season, a number still lower than 153 reported in the 2003-04 season.
Prices in Las Vegas were still lower than they had been a year earlier but have stabilised in the past few months.
For now, the administration's actions to boost farm subsidies (albeit to levels still lower than in Europe) speak louder than lofty words about cutting them.
Some technical support levels were also breached on the downside in December gold Thursday, to set off sell stops and push gold prices still lower.
Allegiant's CEO said the airline's fares are still lower than competitors'.
Though they have risen faster of late, prices in Britain are still lower than on the continent, where inefficient and mainly monopolistic firms dictate terms to long-suffering customers.
Co-investors from the same ethnic minority are 25% less likely to bring a portfolio company to an IPO (and the odds are still lower if the partners are East Asian).
Venture capitalists say the average age of entrepreneurs is still lower than in decades past, when the tech industry was more focused on products aimed at major corporations rather than consumers.
The results are bittersweet though: Profit is eight times higher than for the second quarter but still lower than this time last year--and a long way from hitting a peak, according to analysts.
The eurozone measure of inflation - the harmonised index of consumer prices - was unchanged in November at 1%, highlighting the fact that inflation in the UK is still lower than in the eurozone.
Unofficial overnight viewing figures show that about 5.8 million tuned in to see the result - still lower than its ITV1 rival Pop Idol which attracted 6.2 million, and was shown an hour earlier at 9pm.
Though in real (inflation-adjusted) terms prices are still lower than in the wake of the Iranian hostage crisis in 1979, that reassuring mantra has worn thinner in recent months as real prices have edged closer to those historical highs.
However, just the anticipation of additional quantitative easing and still lower long-term interest rates has already potentially begun to pump up the next bubbles, as investors have moved out the risk curve in an effort to find higher rates of return.
They still managed to keep it low, equivalent band D we're still lower than Labour and much lower than the Liberal Democrats and so all this nonsense about Conservatives raising it higher, they're under real pressure but they still deliver better services.
Then in early March, 2009, when the 2008-2009 financial meltdown seemed at its worst, near panic that the economy was headed still lower into the next Great Depression, the widespread opinion being that the massive bailouts by the government could not possibly work, the stock market launched into what has become an impressive four-year bull market.
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However, prices are still far lower than in other major Western European cities, including Hamburg, Brussels and Vienna.
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