NEW YORK (AP) — Stocks were mostly lower on Wall Street in early afternoon trading on Friday, giving up modest gains following a generally upbeat assessment of the economy from Fed Chair Janet Yellen. Phone companies and utilities, widely considered safe-play stocks, led the list of declining stocks, while the health care and technology sectors rose. Federal Reserve Chair Yellen said in a speech that the Fed is moving toward raising interest rates in light of a solid job market and an improved outlook for the U.S.