here on "closing bell." >> the final figures, there they are, a decline in the last few minutes. the dow down 64 points here, just above 13,000. the nasdaq is down six points, a decline of a fifth of a percent. >> lots of ups and downs this month, but despite all of that, the major averages are finishing july in positive territory. >> but investors are not taking any more chances ahead of tomorrow's fed announcement especially after they made big bets on more bailouts. we have steven gallager and rick santelli. >> i'm not expecting any action for the august meeting. they will build i...