Fed Chair Janet Yellen goes back to Capitol Hill and the Senate this morning after rattling markets from the House side yesterday. The 10-year Treasury yield has fell to around 1.53%. That is a three-year low. (CNBC)
 
Pepsi reported quarterly profits rising to $1.72 billion, from $1.31 billion, a year ago as higher sales of snacks and beverages in North America helped reduce the impact of a strong dollar. Sales fell 7% to $18.59 billion. The company increased its 2015 annual dividend to $3.01 per share from $2.81 per share and said it would return about $7 billion to shareholders through dividends and buybacks in 2016. (Reuters)
 
Whole Foods sales at established locations slipped 1.8% in the quarter and are forecast to be flat to down 2% for the year, as it works to keep prices down and fend off rivals.  Profits for the quarter fell to $157 million. Total sales rose to $4.8 billion. (AP)
 
Kellogg is reporting a loss of $41 million in the quarter. The maker of Frosted Flakes, Pop Tarts and Eggo waffles posted sales of $3.14 billion in the quarter. Kellogg shares are off 2% since the beginning of the year, but are up almost 7% in the last 12 months. (AP)
 
The S&P 500 is down 31 and the NASDAQ is down 63. The MSCI international index is flat.
 
Oil is down 75 cents at $26.66 a barrel. That is a 2003 low.
 
Gold is up $45 at $1239 a Troy ounce. That is an eight and a half month high.