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Higher payout of 20 cents a share beats consensus forecast.
Companies find it harder, more expensive to borrow in Italy, Spain.
Low interest rates have yet to revive the housing market.
Hewlett-Packard case shows hazards posed by employees use of social media.
Labor Dept. and 11 states to crack down on employee misclassification.
Downgrade occurs amid concerns Europe's fiscal crisis will engulf more countries.
