A Jan. 8 article, "Harvard Suggests Solution to HUD Mess: Shutter It" (page 10), erred in crediting the essay discussed to Harvard University. Though a Harvard professor wrote it, the essay was commissioned and published by the Cato Institute.

A Jan. 21 story, "Asian Mess Hits Profits at J.P. Morgan, Citi, Chase" (page 1), overstated Wachovia Corp.'s fourth-quarter loss from the sale of investment securities. It was actually $4.6 million.

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