Have you read any good books lately? http://twinforms.com/products/index.php/deferol-studies-ae77.pdf is deferol over the counter  The Dow Jones industrial average fell 221.17 points,or 1.44 percent, to 15,116.49, the S&P 500 lost 23.88points, or 1.42 percent, to 1,661.51 and the Nasdaq Composite dropped 59.535 points, or 1.62 percent, to 3,609.738.