shepard: this is studio b and i am shephard smith at the bottom the hour. red across the board with the cow do you down 400 points, foreign debt and the job market and manufacturing and the european central bank all pushing investors to sell off if an enormous way. it has been a broad-based sill off with financials leading the way and commodities, though, cheaper today, as well, and oil has gone way down, below $87 a barrel, which means maybe the price of gas will come down. maybe. it is a lagging indicator. the bank of new york is reporting today that instead of giving you interest on your big dollar deposit, you have to pay to keep your millions with that