Stock futures point to a negative start. The Nasdaq 100 is set to underperform due to a disappointing outlook from Cisco (CSCO). January same-store sales have not been strong. Wal-Mart (WMT) reported a smaller increase than expected, although Costco (COST) managed to top its estimates. The Bank of England decided to cut rates by 25 basis points to 5.25% and the European Central Bank held rates steady at 4.00%. The banks' decisions were expected. Bond insurer MBIA (MBI) is getting a boost on news of a $750 million common stock offering that may help the company retain its AAA rating.