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down from four straight sessions and now drops from the conviction buy list. tim cook apologizing to the chinese for what critics are calling poor customer service. michael dell tries to get employees fired up about his proposed takeover of his namesake computermaker. insurance stocks getting a boost after the government says it will increase medicare payments instead of cutting them. is there more room on the upside? and the big banks launch a round of downgrades aimed at each other. goldman and morgan among those in the crosshairs. goldman removing the tech giant from the conviction buy though it does maintain the buy rating. they were at 6.60. apple s most recent product cycle has not driven market growth as they thought and they issued an apology to chinese consumers vowing to improve customer service in the wake of criticism from chinese media. in the letter posted on apple s chinese website tim cook said, quote, we are aware that lack of communications led to the

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