Final Word - Market Close 10.14

Dow Closes Down 66 Points; S&P Falls Half a Percent; Nasdaq Falls 3.5%; PepsiCo Announces Job Cuts, Lowers 2009 Forecast; Credit Suisse Reduces Earnings Estimates for Microsoft; Intel Set to Report 3Q Earnings; Banks Rising Thanks to Paulson's Investment Program, Especially Bank of New York-Mellon, Named as Main Custodian; JPMorgan Shares Lower on Competitors' Edge; Banco Santander Makes Offer for Sovereign Bancorp; Genentech 3Q EPS - Act. Ex-Items $0.81 vs. Est. $0.88; REITs Down 8%, Leading Lows is Prologis with 12% Fall in Intraday Returns; Beverages Down 9%, Pepsi Leading Declines wiht 11.9% Drop in Intraday Returns