Investors lost confidence due to oil prices and the debt problem in Europe to fall 47.38 points and close at 12,548.37, while housing stocks closed mixed.  Palm Harbor Homes gained 20.00 percent, Nobility Homes was up 1.74 percent, and ELS gained .20 percent. Meanwhile, UMH fell 1.1.58 percent, Cavco lost 1.24 percent, MSCI was down .84 percent and Skyline Corporation fell .56 percent. Deer Valley remained unchanged. T he Manufactured Housing Composite fell below the 1100 mark, down .75 percent to close at 1091.30.