After being pretty much flat early this morning, things are down as the world waits for Ben Bernanke's monetary policy speech at 8:30 AM ET.
In Europe, the big loser is Spain, where stocks are off just under 1%.
Italy is down 0.5%.
Germany is down 0.6%.
US futures are still off small.
Click here for a guide to some of the language that Bernanke could use today in his testimony before Congress.