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[IMAGE]	     At the End of the Day Today's Market      DJIA 9713.80 DOWN -58.05 Nasdaq 1882.53 DOWN -47.81 S?500 1119.31 DOWN -8.27 Rus 2000 469.43 DOWN -4.94 10 Yr Bd 4.92 UP .02 DJTA 2659.70 DOWN -7.55 FTSE 100 5149.20 UP 10.70 H. Seng 10797.70 DOWN -202.60 Nik. 225 10050.90 DOWN -229.30 DAX 5045.72 DOWN -24.02 Today's Sectors     Basic Materials 1.15 %    Utilities -1.58 %    Communication -3.23 %   Consumer Staples 0.28 %  Capital Goods -0.07 %  Energy -0.7 %    Financial -0.28 %  Consumer Cyclicals 0.64 %   Health Care 1.36 %   Technology -3.76 %   Transport -0.24 %   (Mouse over for detail, click to launch Map of the Market) January 22, 2002  The Closing Bell Day of Fresh Starts Ends in Tears  By Igor Greenwald Good news out of Lucent and Amazon did little to halt techs' slide. The earnings flood was overshadowed by Kmart's bankruptcy, Tyco's breakup and Willamette's shotgun wedding, as creditors and investors pressured managers into actions they'd long resisted. Daily Briefing  Stocks to Watch   Today's Top Stories [IMAGE] [IMAGE] Common Sense No Cause for Alarm[IMAGE]  [IMAGE] By James B. Stewart [IMAGE] Tyco has been dogged for years by allegations of accounting abuses. That's been good for long-term investors like me.  [IMAGE] Stock Watch Dennis Kozlowski Wants to Make You Rich...  By Roben Farzad ...And he's splitting up his company, Tyco International, to prove it.  [IMAGE] Tradecraft Less Is More[IMAGE]  [IMAGE] By Jonathan Hoenig [IMAGE] Experienced traders know the best gambles are often the ones you don't take.  More Articles    Advertisement Haven't refinanced yet?  Take advantage of the lowest mortgage rates in years.  Save big with IndyMac Bank, the #1 rated mortgage website by Gomez.com the last 4 quarters.  IndyMac Bank guarantees to beat, not meet, any mortgage by $300.  Click below for a free quote: http://quinst.com/clk/ausachenzurtzworiensper   Mutual Fund News [IMAGE] Week in Funds Greenspan Casts His Shadow  By June Kim The Fed chief said the economic outlook isn't as rosy as some would like to believe. Most equity funds fell.  [IMAGE] Fund FAQs When Your Mutual Fund Gets Sued  By June Kim Does a class-action lawsuit against a mutual fund have adverse effects on the fund or its shareholders?   More Articles    Advertisement [IMAGE]      Breaking News Kmart Files for Bankruptcy Protection  Amazon Honors Profit Pledge  Tyco Unveils Breakup Plan  FBI Probes Enron Shredding Allegations  Lucent Outlook Upbeat  CSFB Settles IPO Charges for $100 Million  Merck Meets Estimates  Willamette, Weyerhaeuser Ink Merger Deal  Bank of America Tops the Street  Johnson & Johnson Names New CEO  Freddie Mac Earnings Soar  Disney, AOL Score NBA Deals  Complete News Coverage     Advertisement [IMAGE]   Insurance Center  Shop for competitive insurance rates on life, home, auto, disability and more.  Get multiple quotes and buy from the company of your choice -- on your own terms. Insurance Quotes   SmartMoney MagazineStart-Off The New Year With A Great Little Investment That Could Pay Off Big!  For a limited time you can subscribe to SmartMoney Magazine at a new lower price and receive SmartMoney's Preferred Subscriber Advantages. Don't miss this opportunity to make a small investment in the magazine whose top stock picks in the previous decade exceeded the S&P by remarkable margins.* And this special offer entitles you to higher new savings: $48 or 69% off the newsstand rate! Plus, all the advantages of being a Preferred Subscriber. But it won't last long, click now for details . * As of Aug 2001.             [IMAGE]  If you have any questions or problems, please email us at: helplist@smartmoneylist.com               You have received this email because you have opted-in to receive information from SmartMoney.com. To unsubscribe from this mailing please follow this link . To change your preferences, visit our site at http://www.smartmoney.com/mailinglist .  If you're having difficulties viewing this newsletter, you should change your preferences to "Text" at the above URL.                  	[IMAGE]	[IMAGE]	   [IMAGE] Win a Palm? m125 handheld!  Sign up for a free trial of SmartMoney Select and be entered to win a handheld from Palm?.  Click here for more details!     [IMAGE]  [IMAGE]    [IMAGE] Are You XPerienced?  Windows XP is Microsoft's hottest operating software ever, with 17 million copies already sold. But is your PC up for the upgrade? Don't take Bill Gates's word for it.  Find out in SmartMoney Life. .    [IMAGE] 	
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[IMAGE]	  Smartmoney.com Daily Views SmartMoney.com ?2002 SmartMoney. SmartMoney is a joint publishing venture of Dow Jones & Company, Inc. and Hearst Communications, Inc.  	[IMAGE]	[IMAGE]	[IMAGE]