Not that many people are paying attention this morning, but the Dow is down more than 100 points in early trading. The markets are being weighed down by the Royal Bank of Scotland forecasting a $41.3 billion loss for 2008. That's prompted the British government to raise its stake in RBS to nearly 70 percent. Obama's inaugural address is likely to lack any specific, market-moving comments, but the WSJ reports that the new administration is expected to issue new regulations forcing recipients of Wall Street bailout funds to be more transparent with the money. Also, the healthier banks will be under increased pressure to step up their lending activity.