The Dow Jones Industrial Average is falling Thursday morning with shares of Apple and Visa delivering the stiffest headwinds for the index. The Dow DJIA, -0.28% was most recently trading 123 points, or 0.4%, lower, as shares of Apple AAPL, -2.85% and Visa V, -1.92% have contributed to the blue-chip gauge’s intraday decline. Apple’s shares have dropped $4.37, or 3.0%, while those of Visa are down $5.37, or 2.7%, combining for an approximately 64-point drag on the Dow. Other components contributing significantly to the decline include Home Depot HD, -1.88%, Walt Disney DIS, -1.79%, and American Express AXP, -1.72%. A $1 move in any one of the 30 components of the index results in a 6.59-point swing.