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So governments have been drawing them down as world rice consumption has outstripped production for most of the last decade.
Small-business customers are "drawing them down because they have real needs and we are extending additional commitments," said John C. Gerspach, Citigroup's chief financial officer.
With state banks more reluctant to lend at regulated interest rates, and private lenders charging rates as high as 15percentt, companies that built up commodity inventories in the hope of beating inflation are now drawing them down.
With that in mind, here are four risks that may impact your retirement and suggestions on how you can address them, whether you are still building up your savings or have already begun drawing them down.
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In order to draw them down, agricultural and forestry practices would have to change dramatically as well.
Many have introduced time accounts, under which workers store up overtime hours during busy times and then draw them down by working fewer hours when business slows.
States usually add to their unemployment insurance trust funds in prosperous times, so they can draw them down in weak times.
"There's a lot of people out there concerned that banks will not have the capacity to front all of their commitments if everybody drew them down," said an executive at a large real estate investment trust.
Slightly more than 160,000 troops are now in Iraq, and President Bush is expected to agree to the military's plan to draw them down to 130,000 by next summer.
"There's a lot of people out there concerned that banks will not have the capacity to front all of their commitments if everybody drew them down," an executive at a large real estate investment trust told The Times.
Responding fire companies also encountered an unusual phenomenon: though fire and smoke usually rise in a high-rise fire, the powerful exhaust fans being used in the demolition drew them down toward the firefighters.
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CEO of Professional Science Editing for Scientists @ prosciediting.com