A.M. Update

S&P and NDX futures are flat, Dow is down -0.2% and Small Caps -0.3%. Investors are digesting earnings results from Bank of America (BAC) and Goldman Sachs (GS), which have garnered positive responses. Dow component UnitedHealth (UNH) is lower after reporting earnings. The Empire Fed’s Manufacturing survey crashed from +11.5 to -11.9 – the lowest…