Sorry, no online dictionaries contain the exact phrase lowering the replacement rate.
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Reverse dictionary results:
1. depression
 2. glottochronology
3. fall
4. down
5. drop
6. lower
7. devaluation
8. devalue
9. devalued
10. devaluing
 11. downwards
12. falls
13. reduced
14. sink
15. dip
16. cuts
17. debasement
18. decline
19. degradation
20. descent
 21. reduce
22. change
23. changing
24. oleo
25. tide
26. below
27. crack
28. deceleration
29. derivative
30. devaluate
 31. disinflation
32. downshift
33. fluctuation
34. inferior
35. mean
36. retardation
37. underestimate
38. upward
39. retarder
40. allowance

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You can look up the words in the phrase individually using these links:   lowering ?   the ?   replacement ?   rate ?
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