THE MARKETS

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Dow Jones industrial average down 15.21 points, closing at 3720.47 . . . N.Y.S.E.'s composite index fell 0.40 to 249.84 . . . NASDAQ stock-market composite index lost 3.47 to 712.18 . . . American Stock Exchange down 0.48 to 434.02 . . . Gold gained $0.60 to $387.70 on the Commodity Exchange in New York . . . The 30-year Treasury bond closed with a yield of 7.61 percent up from 7.54 late Tuesday.