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Moreover , it can lead to insights into areas where a country 's prices are higher or lower than they are internationally . " Freddie Mac and Fannie Mae lower interest rates on both FRMs and ARMs in the conforming market . In evaluating the risk assessment , an examiner should not necessarily take any single indicator as determinative of the existence of a lower or higher BSA / AML risk . Screening with these internal segments identified instead a much smaller subset of maize clones showing plaque cross-reaction only at lower stringencies , though the signal seen under the 30 C condition was somewhat stronger than that seen for the clones described above . In other areas , however , the crater density is lower , which suggests that the moon may have experienced substantial ice melting and resurfacing .