ALSO NOTED: UBS warns of difficult year ahead; Ackman vs. credit raters on MBIA; and much more...

Company News:
> UBS warns of difficult year ahead. Article
> Ackman vs. credit raters on MBIA. Article
> MBIA notes a tough sale. Article
> Moody's to downgrade Bank of America. Article

Industry News:
> Big religious debate in Sharia-compliant bond market. Article
> Deutsche Bourse leaving Frankfurt. Article
> Small bank fallout: Provident to take writedown. Article

Regulatory News:
> Exception loans at issue in probe. Article

And Finally... Secrets of successful job hunters. Article