U.S. stock markets have not fared well in just the first dozen days of 2008, as indices are being dragged down by worries about the continuing subprime loan meltdown and the after-effects that a tightening in capital lending could have on the economy. According to The New York Times, Friday was just the worst of a bad stretch across the boards: The Dow Jones Industrial Average fell 246 points, or 1.9%, and is down 5%......