1
 Yields on certificates of deposit at major banks were little changed in the latest week.
5005
span

2
 The average yield on six-month CDs of $50,000 and less slipped to 7.96% from 8.00%,
5002
span

3
 according to Banxquote Money Markets, an information service 
5001
span

4
based here.
3
elaboration-additional-e

5
 On one-year CDs of $50,000 and less, the average slid to 8.02% from 8.06%.
5003
List

6
 Both issues are among the most popular with individual investors.
5003
elaboration-additional

7
 Because of shrinkage in the economy,
8
consequence-n

8
 rates can be expected to decline over a one-year horizon,
5006
span

9
 said Norberto Mehl, chairman of Banxquote.
5006
attribution

10
 It's unclear how much rates can fall and how soon.
5007
elaboration-additional

11
 Changes in CD yields in the week 
5010
span

12
ended Tuesday 
11
elaboration-object-attribute-e

13
were in line with blips up and down within a fairly narrow range for the last two months.
5011
Same-Unit

14
 Interest rates generally began declining last spring 
5014
span

15
after moving steadily upward for more than a year.
14
temporal-after

16
 The average yield on small-denomination three-month CDs moved up two-hundredths of a percentage point in the latest week to 7.85%.
5016
Comparison

17
 Long-term CDs declined just a fraction.
5016
Comparison

18
 The average yield on both two-year CDs and five-year CDs was 7.98%.
5016
Comparison

19
 Only CDs 
5020
span

20
sold by major brokerage firms 
19
elaboration-object-attribute-e

21
posted significant increases in average yields in the latest week,
5021
Same-Unit

22
 reflecting increased yields on Treasury bills 
5019
span

23
sold at Monday's auction.
22
elaboration-object-attribute-e

24
 The average yield on six-month broker-sold CDs rose to 8.29% from 8.05% 
5024
List

25
and on one-year CDs the average yield rose to 8.30% from 8.09%.
5024
List

26
 The brokerage firms,
5030
span

27
 which negotiate rates with the banks and thrifts 
5029
span

28
whose CDs 
5028
span

29
they sell,
28
elaboration-object-attribute-e

30
 generally feel
5031
Same-Unit

31
 they have to offer clients more 
5026
span

32
than they can get on T-bills or from banks and thrifts directly.
31
comparison

33
 T-bills
5033
span

34
 sold at Monday's auction 
33
elaboration-object-attribute-e

35
yielded 7.90% for six months and 7.77% for three months, up from 7.82% and 7.61%, respectively, the week before.
5034
Same-Unit

36
 So-called jumbo CDs, typically in denominations of $90,000 and up, also usually follow T-bills and interest rate trends in general more than those 
5036
span

37
aimed at small investors.
36
elaboration-object-attribute-e

38
 Some jumbos posted fractional changes in average yields this week, both up and down.
5041
span

39
 The average yield on threemonth jumbos rose to 8.00% from 7.96%,
5042
List

40
 while the two-year average fell by the same amount to 7.89%.
5042
List

41
 Six-month and oneyear yields were unchanged, on average.
5042
List

42
 The (CD) market is unsettled right now, 
5046
span

43
said Banxquote's Mr. Mehl.
42
attribution

44
 It's very easily influenced by changes in the stock market and the junk bond market.
5046
interpretation-s

45
 The small changes in averages reflect generally unchanged yields at many major banks.
5050
Contrast

46
 Some, however, lowered yields significantly.
5049
span

47
 At Chase Manhattan Bank in New York, for example, the yield on a small denomination six-month CD fell about a quarter of a percentage point to 8.06%.
5048
List

48
 In California, Bank of America dropped the yield on both six-month and one-year savings CDs to 8.33% from 8.61%.
5048
List

49
 Yields on money-market deposits were unchanged at an average 6.96% for $50,000 and less and down just a hundredth of a percentage point to 7.41% for jumbo deposits.
5052
elaboration-additional

5001
span
2
attribution

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span
5003
List

5003
multinuc
5004
span

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span
1
evidence

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span
5013
span

5006
span
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span

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span
5045
span

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span



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span



5010
span
5011
Same-Unit

5011
multinuc
5015
span

5012
span



5013
span
5018
span

5014
span
5011
elaboration-additional

5015
span
5017
span

5016
multinuc
5015
example

5017
span
5013
elaboration-additional

5018
span
5037
span

5019
span
5021
elaboration-additional

5020
span
5021
Same-Unit

5021
multinuc
5022
span

5022
span
5025
span

5023
span



5024
multinuc
5022
example

5025
span
5032
span

5026
span
5027
span

5027
span
5025
explanation-argumentative

5028
span
27
elaboration-object-attribute-e

5029
span
26
elaboration-object-attribute-e

5030
span
5031
Same-Unit

5031
multinuc
5026
attribution

5032
span
5018
antithesis

5033
span
5034
Same-Unit

5034
multinuc
5040
span

5035
span



5036
span
5034
elaboration-additional

5037
span
5044
span

5038
span



5039
span



5040
span
38
circumstance

5041
span
5043
span

5042
multinuc
5041
example

5043
span
5037
elaboration-additional

5044
span
5052
span

5045
span
5005
elaboration-additional

5046
span
5047
span

5047
span
5050
circumstance

5048
multinuc
46
example

5049
span
5050
Contrast

5050
multinuc
5051
span

5051
span
5044
elaboration-additional

5052
span
5053
span

5053
span



