The Dow skidded downwards 1.05 percent as news of Europe’s debt sent it to close at 12,381.26, and most housing stocks closed down as well.  Palm Harbor Homes ended the day up 42.86 percent.  Meanwhile, Cavco was down 4.61 percent, Skyline Corporation lost 3.72 percent, Sun Communities dropped 1.26 percent, MSCI and ELS both lost .77 percent.  Nobility Homes and Deer Valley both closed flat.  The Manufactured Housing Composite was down 3.85 percent to end the day at 1038.80.