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Fear remains a big problem for investors as the Dow finishes down 171 points. Financial stocks weaken, and a big gain for Microsoft evaporates. Next week, the markets face a Fed meeting, a flood of earnings reports and reports on the economy and job growth.

Wall Street expects financial innovations and global growth to keep any US slowdown in 2008 short and shallow. But the stock market is likely to be seriously disappointed.

The details might change before you see a government check, but here's how to figure out how much you're likely to get. Families could receive $600 for each parent, plus $300 per child.