Sources list for EXHANGE RATES:

"Divorce Rates." Divorce Rates in the United States. Website visited 9 April 2004. [1]http://www.marriage-relati onships.com/divorce_rates.html "Divorce Rates." Divorce Rates in the United States. Website visited 9 April 2004. [1]http://www.marriage-relati onships.com/divorce_rates.html
M. J. Bane’s “Here to Stay”

Altman, E. & Kao, D.L. (1991). Corporate Bond Rating Drift: An Examination of Rating Agency Credit Quality Changes Over Time. New York University-Salomon Brothers Working Paper S-91-40.
Sovereign Ratings

"U.S. High School Graduation Rates Continue to Fall Race Gaps Remain Large: New Study Compared Six Different Methods and All Show Declining Graduation Rates in US and Most States" (15 October, 2004) Retrieved from http://www.bc.edu/research/nbetpp/stateme
Standards Based Education

National Collegiate Athletics Assocation. 2004 Graduation Rates Data . 2 Feb 2004. 7 March 2005. http://www.ncaa.org/grad_rates/2004/d1/DI.html>
College Athletes

Mortgage Information Service. `National Average Mortgage Rates', Available from www.mortgage-x.com/general/average-rates.asp Accessed on 03/30/2004
Mortgage Refinancing

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