the headlines there and the markets which are mostly in the red. bernanke testifying on the state of our economy starting in just under an hour. will he be as optimistic as the members of the bank of japan which is keeping policy unchanged and push the nikkei to a five and a half year high. reporting a chelly spring is causing seasonal sales to cool. toll brothers beats estimates on an increase in orders and lowe s falls short on profits and revenue. shortening the amount of time it will keep factories lower citing a pickup in demand. the fed chairman will testify on the economic outlook before the joint economic committee. wall street watching to see what bernanke will say about winding down the central bank s bond purchasing program. we ll bring you live coverage of the fed chairman s remarks and his q & a with the committee. the fed is set to release its beige book at 2:00 p.m. eastern time. the bank of japan maintaining its quantitative easing policy and optimism