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NEW YORK (AP) _ Stock prices have started lower on Wall Street.

The Dow Jones industrial average is down more than 80 points. Decliners outnumber advancers by about 3-1 on the New York Stock Exchange.

The Nasdaq Composite Index is down 23 points and the Standard & Poor's 500 Stock Index has lost nine points.

One early negative for stocks comes in the form of a warning from Cisco Systems. The company lowered its revenue guidance for the current quarter.

Also, there's been some negative reaction to decisions by the European Central Bank and the Bank of England keeping their benchmark rates unchanged.

Retail stocks should be in focus today, with many major merchants releasing their October sales figures. Federated, Ann Taylor and J.C. Penney are among the chains hiking their earnings outlook.

Reports on worker productivity and unemployment benefits are drawing little, if any, market reaction.