Three years http://cam4.in.net/ 4 cam The Dow Jones industrial average closed down 105.44points, or 0.70 percent, at 14,897.55. The Standard & Poor's 500Index fell 9.55 points, or 0.58 percent, at 1,642.80. TheNasdaq Composite Index fell 13.80 points, or 0.38percent, at 3,599.79.