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spec: Since its inception in 1994 , its implementation has been plagued with problems , including deciding the agency best suited for delivering the loans , the criteria for selecting the loan recipients , and its very low repayment rate , which is officially estimated at around 50 % , but in fact could be as low as 20-30 % , according to informed sources familiar with the program . A COHb level in blood as low as 2.9 % may be associated with adverse cardiorespiratory effects in individuals with ischemic heart disease . `` he says . Leaching during the winter may cause potassium levels in fescue pasture to drop as low as 0.24-0.3 percent of dry matter during winter months ( Sewell , 1990 ) . He said this would require more staff being taken on at the site . Besides , a burden of as much as Rs 30 billion of bank borrowing had been transferred to the current year s account from last year s balance sheet in order to keep the last year s budgetary deficit as low as 5.8 per cent of the GDP . Interest rates can run as low as 2.9 percent with terms up to 30 years , according to the SBA . If you're seen going out with a contractor , why , you immediately are suspicious that some idle information is being transferred over to that contractor that otherwise he would not do , or some other foolish thing like that . The program conservatively analyzes the consequences associated with unmitigated events having frequencies of occurrence as low as 10-6 per year . Given the criticism from NEH reviewers that prices for microfilming at the British Library are too high , it seems wise to reconsider the approach previously taken . While the majority of our undergraduate students are Wisconsin residents , many do come from other states and countries around the world . Authorship credit should be based only on substantial contributions to ( a ) conception and design , or analysis and interpretation of data ; and to ( b ) drafting the article or revising it critically for important intellectual content ; and to ( c ) final approval of the version to be published .