New Yorkers on Wall Street and outside the Stock Exchange respond positively to the US Federal Reserve cutting its key lending rate by half a percentage-point in its first reduction for more than four years. "It will definitely help pay off my credit cards," says Ryan Sepanski, an apartment leasing manager. "I think it's going to help the economy through through car loans, mortgage rates, home equity loans, you name it," says Thomas Neville, an Equity derivates broker. IMAGES AND SOUNDBITES