An hour before close on Nov. 22, stocks entered a swan dive that, by day's end, had shaved 91 points from the Dow Jones industrial average. That brings November's loss to 230 points, or 6%. Reasons for the slide are familiar: fear of higher rates, power struggles in Washington, and weak overseas markets. It was also clear that institutional investors are making massive shifts into higher-yielding assets. While Treasury bills stand at 5.5%, stock dividends remain below 3%. Says Wall Street pro Robert Stovall: "Those yields make awfully keen competition for stocks."