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time. one hour into the trading day for europe. just down a little bit. there are two distinct factors weighing on the market today. the ftse 100 is off 0.25%. tech stocks are higher after ibm raises its guidance. and dmraxo smith cline are the two biggest beneficiaries on that massachusetts vote. bherth ya, a very good morning to you. good morning, ross. here in the states, it s just after 4:00 a.m. right now, the futures are pointing to the down side. right now, dow futures are about 43 points below fair value. we saw that big run up in anticipation of that stunning vote in massachusetts yesterday. the republican defeating the democrat and in some senses, the obama administration. but this morning, a lot of nervousness. we have a lot of bank earnings ahead of the open. the street is kind of bracing for what we ll hear from those financial giants. christine. hey, bertha. joining us now for our guest host, emille omwalt. authorities are asking banks to restrict lending. a