We've got a joint account <a href="http://www.infocalcbba.edu.bo/biblio/index.php/trmedwowcom-0042.pdf">tr.medwow.com</a>  The Dow Jones industrial average fell 185.46 pointsor 1.19 percent, to 15,451.09, the S&P 500 lost 12.42points or 0.72 percent, to 1,709.92 and the Nasdaq Composite dropped 14.656 points or 0.39 percent, to 3,774.728.