interest rates. well, reviews have already been scathing. the dow tumbled with traders disappointed by the investment shuffle rather than a third direct injection of cash into the economy or so-called qe3. economists doubt it will even help, and even within the fed, three of ten members voting dissented. the fed also forecasts gloom saying the economy faces significant downside risks, including lengthy struggles with slow growth, high unemployment, and slumping housing. insurers who depend on investments to cover costs were hit hard. lincoln national tumbled 8%. investors seeking safe havens sent the ten-year treasury yield to a new record low. banks led decliners after moody s cut the debt ratings of bank of america, wells fargo, and citigroup on fear the government may balk at any future bailouts. hewlett-packard jumped on rumors that the company may oust its current head for a former