NEW YORK (AP) — Stocks headed to a lower open Friday after Wachovia Corp. said it expects to increase quarterly loan losses..... The nation's fourth-largest bank said in a filing with the Securities and Exchange Commission that credit market volatility could cause a $1.1 billion write-down for October alone. The problem stems from its asset-backed securities, such as collateralized debt obligations, that have lost value on sinking investor demand.The market was also on edge after Federal Reserve Chairman Ben Bernanke said Thursday that policy makers expect the economy to "slow noticeably" this quarter. His comments caused major indexes to fall...