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All 10 industry groups in the S&P 500 tumbled at least 3.4 percent. Technology companies fell the least after International Business Machines Corp. posted higher-than-estimated profit and said the financial crisis will not hold up earnings. IBM rose as much as 5.3 percent in the morning before following the market lower and closing down 1.7 percent at $89.

A skillful teacher creates these paths and simultaneously scaffolds learners new to the discipline and its associated discourse