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Stocks have retreated to start the fourth quarter amid concerns about energy costs, inflation and uncertainty about when the Fed will stop boosting interest rates. The central bank yesterday released minutes from a Sept. 20 policy meeting indicating inflation is a growing economic risk. ``The Fed's been clear that rates are going up to control inflation,'' said Andy Brooks, head trader at T. Rowe Price Group Inc. in Baltimore. ``Investors are trying to see what that's going to do to the consumer.'' More than four stocks fell for every one that rose on the New York Stock Exchange. Some 1.9 billion shares changed hands on the Big Board, 25 percent more than the three-month average.