mortgages we shopping r gheretur available from certificates of deposits and large new york money maetds. while thiseld the financial institutions it devastated maryland's housing industry. maryland home builder frank miano felt the pressure personally. take a small builder who had a few spec houses that were sitting. he was paying interest on those. it's a question of staying power. how long can you maintain that unit until it's sold? miano's losses on houses temporarily forced him from the business. we sold some houses at a loss to get out from under the construction loans. weinallyid sell them. as lenders cut back home mortgages, new home buyers and sellers became frustrated. even the resale market was affected. maryland wasn't the only state troubled. 18 others had interest rate ceilings. usury laws placed such a strangle hold on housing money that congress wanted to ban them. pressures to change the law mounted. senator laurence levitan sponsored the bill to raise usury limits. we weren't only hearing from lenders and developers during the interest crunch where the interest rate h

it expects robust overseas sales to make up for the anticipated sales decline in the domestic maet. panasonic reported a rise in operating profit for the year ended march due to robust sales of batteries for automobiles. it said operating profit rose 25% to about $3.2 billion. sales, on the other hand inched down to roughly $64 billion. panasonic executives say the firm expects to post increases in both sales and revenue for the current business year. they say restructuring efforts are bearing fruit in helping to improve performance every year. >>> checking the markets. tokyo stocks ended the day higher above the key 20,000 mark. the nikkei average gained 0.38% closing at 20,058. improved corporate earnings and higher dividends put investors in an upbeat mood. moving on to chinese markets. the shanghai composite dropped 1.13% after a choppy session. investor locked in profits after the index posted its biggest gain in three months on monday. taiwan rose to touch another 15-year high following strong earnings by apple. but profit taking kicked in and reversed early gains. the index s

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