WASHINGTON -- He called them "gathering clouds and raging storms," "icy currents" in a "winter of hardship." But as Barack Obama spoke to the country for the first time as president, the world beyond Washington was filling in details of the hardships that he alluded to in his inaugural address. Even as he finished the oath of office, the crisis in the financial services industry sent banking stocks plummeting, and the Dow Jones industrial average turned in its worst Inauguration Day performance in its century-plus history, losing 4 percent of its value.