     For Joe Stoltz, life has come down to counting every
dollar. That's what happens when you can't find work and you
live in the state with the highest unemployment rate in the
nation.    The-so called BRIC nations may need to add a fifth
member: Indonesia. Brazil, Russia, India and China were once
considered the hottest emerging markets in the world. But they
have been skidding this year, while Indonesia remains one of the
fastest growing economies.   U.S. stocks moved higher Monday as
investors welcomed a sharp rise in retail sales and better-than-
expected quarterly earnings from Citigroup.     Amazon and Apple
have informed some e-book buyers that they'll receive credits
for future book purchases, as part of a recent settlement three
major publishers signed to settle a price-fixing lawsuit.
The American Civil Liberties Union sued Morgan Stanley on
Monday, charging the Wall Street firm discriminated against
African-American homeowners and violated federal civil rights
laws by providing funding for ris