seoul was back from holiday ending the day a touch lolower. and hong kong slid back from monday's nine-month high. >>> the bank of japan introduced its negative interest rate policy six months ago. the move has encouraged home refinancing. but it's gaining for boosting investment or consumptionon or pullining the country out of deflation. boj officials started applying a minus rate to a portion of the balances held by banks at the central bank. this means the financial institutions have a pay a fee on some of the funds they park at the boj. the aim is to encourage them to increase their lending to businesses and individuals. borrowing costs in general have come down during the past six months. pushing mortgage rates to record low levels. many people have taken the cue and refinanced their home loans. companies are also taking advantage of low interest rates by issuing corporate bonds. analysts at nomura securities say corporate bonds from january to july reached $59 billion. that's about $15 billion more from the same period last year. but the

>> but looking at lolow dose exposusures means a sea change in how we do toxicologigical tetesting and risk a assessment, and that's controversial, costly, and something the chemical industry opposes. >> one of the areas of science that is emerging, and very interesting and very troubling, is called epigenetics, whwhich shows that an acute chemical exposure can actuually result intto a genetitic change.. and that getetic changnge can be passed down from generation to generation based onn a chemical exposure. >> your grandmother could have been exposed to something that you didn't know about, she didn't know about, that is affecting your health today. >> the evidence that we d dhave from laboratory experiments in animals certainly gives us cause for concern. >> some people are more exposed to chemicals because of the job they do or where they live. low income and minority commumunities often live nenear points of f pollution like chemical plants and waste dudump sites, , or in ageded and substandard housing. and these communities share a disproportionate burden of disease. >> higher rat