AP
Business Highlights

Monday February 23, 6:49 pm ET

Major stock market indexes fall to 1997 levels

NEW YORK (AP) -- Investors unable to extinguish their worries about a recession that has no end in sight dumped stocks again Monday. The Dow Jones industrial average tumbled 251 points to its lowest close since Oct. 28, 1997, while the Standard & Poor's 500 index logged its lowest finish since April 11, 1997.

All the major indexes slid more than 3 percent. The Dow is just over 100 points from 7,000.

Investors pounded most financial stocks even as government agencies led by the Treasury Department said they would launch a revamped bank rescue program this week. The plan includes the option of increasing government ownership in financial institutions without having to pour more taxpayer money into them.

Although the government has said it doesn't want to nationalize banks, many investors are clearly still concerned that this could be a possibility as banks continue to suffer severe losses because of the recession. They're also worried that banks' losses will keep escalating as the recession sends more borrowers into default.

Feds explore taking bigger stakes in shaky banks

WASHINGTON (AP) -- The government on Monday moved toward dramatically expanding its ownership stakes in the nation's banks -- with Citigroup, the struggling titan of the industry, apparently at the top of the list.

Wall Street responded as it has with the rollout of almost every other plan to fix the financial crisis, taking a big drop and sending the Dow Jones industrials to its lowest level in a dozen years.

The Treasury Department, the Federal Reserve and other banking regulators said they could convert the government's stock in the banks from preferred shares to common shares.

The strategy, which could be applied retroactively to banks that received money in the first incarnation of the bailout, carries risks. But it avoids, at least for now, having to tap more taxpayer money or resort to full-fledged nationalization.

Citigroup -- perhaps the biggest name in American banking -- has approached the regulators about ways the government could help strengthen the bank, including the stock conversion plan, according to people familiar with the discussions.

Judge orders Thain to testify on Merrill bonuses

CHARLOTTE, N.C. (AP) -- A New York judge is ordering former Merrill Lynch CEO John Thain to testify about bonuses paid to Merrill employees before the company was sold to Bank of America.

New York's Attorney General Andrew Cuomo filed a motion in the state's Supreme Court Monday asking that Thain be compelled to provide details on the bonuses, which he had declined to give during a deposition Thursday. Thain's spokesman Jesse Derris said later Monday that the motion was granted and Thain will answer the questions Tuesday.

Thain said Thursday he had been told by BofA not to divulge details about them.

Thain was dismissed from the combined company last month after news broke that Merrill paid $3.6 billion in bonuses before it completed its sale.

Obama pledges to slash deficit -- after increase

WASHINGTON (AP) -- Urging strict future restraint even as current spending soars, President Barack Obama pledged on Monday to dramatically slash the skyrocketing annual budget deficit as he started to dole out the record $787 billion economic stimulus package he signed last week.

The president promised to cut the yearly deficit in half by the end of his four-year term.

He said he would reinstitute a pay-as-you-go rule that calls for spending reductions to match increases and would shun what he said were the past few years' "casual dishonesty of hiding irresponsible spending with clever accounting tricks." He called the long-term solvency of Social Security the most pressing fiscal challenge and said reforming health care, including burgeoning entitlement programs, was a huge priority.

Obama goes before Congress and the nation Tuesday night to make the case for his agenda and his budget plans, which the White House is to release in more detail on Thursday.

Official: Obama likely to name Locke to Commerce

WASHINGTON (AP) -- President Barack Obama's likely third pick for Commerce secretary is former Washington Gov. Gary Locke, a senior administration official said Monday.

Locke, a Democrat, was the nation's first Chinese-American governor when he served two terms in the Washington statehouse from 1997 to 2005.

Obama's expected choice of Locke arose less than two weeks after his most recent pick, Republican Sen. Judd Gregg of New Hampshire, backed out. Just over a week after Obama named him and he accepted, Gregg cited "irresolvable conflicts" with the policies of the Democratic president.

Obama originally gave the post, which requires Senate confirmation, to New Mexico Gov. Bill Richardson. He withdrew in January, before Obama took office, after the disclosure that a grand jury is investigating allegations of wrongdoing in the awarding of contracts in his state.

UAW reaches health care trust fund deal with Ford

DETROIT (AP) -- The United Auto Workers and Ford Motor Co. said Monday they agreed to let the automaker change how it pays for a health care trust fund for retired workers, a deal that could serve as the model for cash-starved General Motors Corp. and Chrysler LLC.

Ford said the agreement allows it to make payments to the union-managed trust with up to 50 percent of company stock instead of cash. Having the UAW take equity frees up cash for operations.

Ford, like its Detroit and foreign competitors, is seeing a huge drop in sales as consumers shy away from purchasing new cars during a recession. However, the company has not asked for low-interest government loans. General Motors and Chrysler have asked for a total of $39 billion, and have received $17.4 billion so far.

For Ford, which isn't receiving government aid but is trying to cut costs, the agreement announced Monday is another in a series of concessions from auto workers.

Rattner to advise Treasury on auto industry

WASHINGTON (AP) -- The White House selected a Wall Street financier on Monday to advise Treasury Secretary Timothy Geithner on the restructuring of General Motors Corp. and Chrysler LLC.

Steven Rattner, co-founder of Quadrangle Group LLC, will serve as counselor to Geithner, who is leading an auto industry task force charged with shaping the future of GM and Chrysler.

Rattner had been a leading candidate to become the so-called "car czar." But President Barack Obama decided instead to create a task force led by Geithner and White House economic aide Larry Summers to review $17.4 billion in federal loans to GM and Chrysler and their requests for billions more in aid.

Quadrangle Group said Monday that Rattner was leaving his role as managing principal of the firm to take the Treasury position.

Battle over UBS secret accounts to take months

MIAMI (AP) -- A federal judge decided Monday it will take months to determine if and when the Internal Revenue Service will learn the identities of 52,000 wealthy Americans who have secret accounts at Swiss bank UBS AG.

U.S. District Judge Alan S. Gold set a July 13 hearing on the IRS lawsuit, unless an agreement is reached first. UBS claims that turning over the account names would violate Swiss privacy law and jeopardize the bank's license to stay in business.

The IRS had sought an accelerated timetable, but Justice Department tax attorney Stuart Gibson and UBS lawyers told Gold at a brief telephone hearing Monday they had agreed on a lengthier process. Gold also set a series of deadlines for court filings.

COO Peter Chernin to depart News Corp. in June

LOS ANGELES (AP) -- Peter Chernin, president and chief operating officer of News Corp., will leave the company in June.

The media conglomerate said in a statement Monday that its 20th Century Fox movie studio and Fox TV businesses will report directly to Chief Executive Rupert Murdoch upon Chernin's departure.

Next week marks Chernin's 20th anniversary with the company. Murdoch called Chernin's contributions "immeasurable."

Chernin will launch a Fox-based production company later this year, among other ventures. In addition, he will continue his efforts as Chairman of Malaria No More.

By The Associated Press

The Dow Jones industrials dropped 250.89, or 3.41 percent, to 7,114.78. It last closed this low on Oct. 28, 1997 when it finished at 6,971.32.

The Standard & Poor's 500 index fell 26.72, or 3.47 percent, to 743.33. It was the lowest close since April 11, 1997, when it ended at 737.65.

The technology-laden Nasdaq composite index dropped 53.51, or 3.71 percent, to 1,387.72.

Light, sweet crude for April delivery for April delivery fell 4 percent, or $1.59, to settle at $38.44 a barrel on the New York Mercantile Exchange.

Brent crude fell 91 to $40.99 on the ICE Futures exchange in London.

In other Nymex trading, gasoline futures fell 3 cents to settle at $1.0433 and heating oil fell 2 cents to settle at $1.1754 a gallon. Natural gas for March delivery rose less than a penny to settle at $4.097 per 1,000 cubic feet.