The Dow dropped 172.45 points to fall below 12,000 for the first time in 3 months, closing at 11,951.91, as insurance and financial stocks and commodities took a beating.  Several housing stocks closed down as well.  Deer Valley gained 11.11 percent, MSCI moved up .19 percent. Meanwhile, Skyline Corporation lost 5.78 percent, Sun Communities was down 3.79 percent, Cavco fell 2.63 percent, Nobility Homes lost 1.23 percent,and Equity LifeStyle Properties moved down .61 percent.  The Manufactured Housing Composite dropped 3.25 percent to close below 1000 at 986.90.