SAN RAFAEL, Calif. -- As it did three months earlier, Fair, Isaac & Co. reported unusually strong quarterly earnings and raised the possibility that they may not stay this good forever.

"The combination of full production, increased productivity, and partial deferral of normal increases in research and development expenditures has boosted profit margins to unusually high levels," said Larry Rosenberger, president of the company, which specializes in predictive models and marketing data bases for lenders and other consumer service providers.

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