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Stress tests find 10 big banks need $75B more

WASHINGTON (AP) -- The government's long-awaited "stress-test" results have found that 10 of the nation's 19 largest banks need a total of about $75 billion in new capital to withstand losses if the recession worsened.

The Federal Reserve's findings, released Thursday, show the financial system, like the overall economy, is healing but not yet healed.

Some of the largest banks are stable, the tests found. But others need billions more in capital -- a signal by regulators that the industry is vulnerable but viable. Government officials have said a stronger banking system is needed for an economic rebound.

GM draws closer to bankruptcy in first quarter

DETROIT (AP) -- General Motors drew closer to bankruptcy Thursday, acknowledging that its revenue fell by nearly half as car buyers worldwide steered away from showrooms for fear that the auto giant would not be around to honor its warranties.

The company lost $6 billion in the first three months of the year. The results were bad enough to bring a warning from Chief Financial Officer Ray Young, who acknowledged the difficulty of climbing out of a steep decline even if the company cuts costs.

GM is living on $15.4 billion in federal loans and faces a June 1 government deadline to finish a restructuring plan or join Chrysler in Chapter 11 bankruptcy reorganization. The company would prefer to restructure out of court, but even its own executives say the obstacles are formidable.

New jobless claims plunge, retail sales improve

WASHINGTON (AP) -- New applications for jobless benefits plunged to the lowest level in 14 weeks, a possible sign that the massive wave of layoffs has peaked. Still, the number of unemployed workers getting benefits climbed to a new record.

Retail results also improved as discounter Wal-Mart Stores Inc. and other stores reported April sales figures that beat expectations. Analysts acknowledged the positive economic signals but cautioned that any recovery will be subdued as long as unemployment stays high.

The Labor Department reported Thursday that the number newly laid off workers applying for benefits dropped to 601,000 last week. That was far better than the rise to 635,000 claims that economists expected.

Weak Treasury auction sends stocks lower

NEW YORK (AP) -- Weak demand at a Treasury bond auction touched off worries in the stock market Thursday about the government's ability to raise funds to fight the recession.

The government had to pay greater interest than expected in a sale of 30-year Treasurys. That is worrisome to traders because it could signal that it will become harder for Washington to finance its ambitious economic recovery plans.

Investors also pocketed some gains after strong rally in stocks this week and ahead of the government's April employment report on Friday. Major stocks market indicators slid more than 1 percent, including the Dow Jones industrial average which lost 102 points to 8,409.85 .

Consumer credit falls at fastest pace in 18 years

WASHINGTON (AP) -- Consumer borrowing plunged in March at the fastest pace in 18 years as Americans put away their credit cards and hoarded cash amid the worst recession in decades.

The Federal Reserve said Thursday that consumer borrowing dropped 5.2 percent in March, the biggest decline since an 8.1 percent fall in December 1990.

In dollar terms, consumer borrowing plunged by $11.1 billion. That's the largest dollar amount on records dating to 1943, and more than three times the $3.5 billion drop that economists expected.

AIG 1st-quarter loss narrows to $4.35 billion

NEW YORK (AP) -- Battered insurer American International Group Inc. said Thursday its first-quarter loss narrowed, and was sharply lower than the record-setting loss it posted a quarter ago.

The New York-based insurance giant said it lost $4.35 billion, or $1.98 per share, during the quarter ended March 31, compared with $7.81 billion, or $3.09 per share, during the same quarter last year.

AIG lost $61.7 billion during the fourth quarter -- the most ever in a quarter by a U.S. corporation -- amid the mushrooming credit crisis and shortly after its near collapse.

Oil prices rally again despite massive supply

HOUSTON (AP) -- Oil prices continued to rise Thursday and climbed above $58 a barrel for the first time in nearly six months as the U.S. economy showed some signs of recovery. Still, oil analysts continue to search for fundamental reasons as to why energy prices have risen to current levels.

Upbeat employment and retail news aside, energy consumption remains anemic and most experts say it will be some time before there's a rebound, save for an uptick in summer driving.

Benchmark crude for June delivery rose 37 cents a barrel to settle at $56.71 in trading on the New York Mercantile Exchange. Earlier in the session, the contract reached a high of $58.57.

European Central Bank cuts rates a quarter point

FRANKFURT (AP) -- The European Central Bank cut interest rates a quarter point to 1 percent Thursday and said the reduction wasn't necessarily its last, while announcing still more measures to push money into the 16-country euro zone's financial system and support its economy.

The Bank of England also moved to shore up its economy, stepping up efforts to increase the money supply although it left its rates unchanged at 0.5 percent.

Cablevision posts profit; explores Garden spinoff

UNDATED (AP) -- Cablevision Systems Corp. reported a profit for the first quarter Thursday as revenue climbed 11 percent, due to subscriber growth and the addition of the recently acquired Long Island-based newspaper Newsday and the Sundance channel.

Cablevision also said it was exploring the spinoff of one of its most valuable assets, Madison Square Garden. This group includes the namesake New York City arena, the NBA's New York Knicks and NHL's New York Rangers as well as Radio City Music Hall.

The move would let investors buy shares of Madison Square Garden separately from the rest of Cablevision.

Pentagon's requests increased weapons spending

WASHINGTON (AP) -- The Pentagon's proposed $534 billion budget calls for more spending on projects like Lockheed Martin Corp.'s F-35 fighter jet, a naval destroyer built by Bath Iron Works and Sikorsky's Black Hawk helicopters.

The department wants to increase spending on procurement by 5.6 percent to $107.4 billion for the fiscal 2010 budget, which begins Oct. 1. That increase offsets deep cuts on other defense projects like Lockheed's F-22 fighter jet that were previously announced by Secretary Robert Gates in April.

By The Associated Press

the Dow fell 102.43, or 1.2 percent, to 8,409.85.

The S&P 500 index fell 12.14, or 1.3 percent, to 907.39, and the Nasdaq composite index fell 42.86, or 2.4 percent, to 1,716.24.

Benchmark crude for June delivery rose 37 cents a barrel to settle at $56.71 in trading on the New York Mercantile Exchange.

In London, Brent prices rose 32 cents to settle at $56.47 a barrel on the ICE Futures exchange.

In other Nymex trading, gasoline for June delivery rose 3.75 cents to settle at $1.6655 a gallon and heating oil gained 1.4 cents to settle at $1.4852 a gallon. Natural gas for June delivery rose 9.4 cents to settle at $4.081 per 1,000 cubic feet.

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