Can you hear me OK? http://www.thardeep.org/thardeep/gold-star-loans/ www loan companies  The stock of J.C. Penney Co. skidded 5.8 percent to$12.87 and ranked as the S&P 500's biggest percentage decliner.Bill Ackman, the company's top investor, urged the retailer'sboard on Friday to replace its chairman.