 Goldman Sachs Group Inc. and Travelers Companies Inc. can almost be completely blamed for the Dow Jones Industrial Average DJIA, -0.87 falling in morning trading Tuesday, even though the rest of the stock market is enjoying a broad rally. Goldmans stock GS, -6.12 was dropping 22.41, or 6.0, to lead the Dows price and percentage decliners, and to take 148 points off the Dows price, after the bank and broker reported disappointing fourth-quarter profit. 