The Dow dropped .66 percent in response to the Federal Reserve Chairman Bernanke’s assessment that the economy is not picking up, to close at 12,109.67, as housing stocks closed mixed.  The Manufactured Housing Composite lost 2.08 percent to close at 1005.30.  Nobility Homes gained 1.63 percent and ELS gained .30 percent.  Palm Harbor Homes lost 3.85 percent, Cavco Industries dropped 2.66 percent, Skyline Corporation fell 1.96 percent, MSCI dropped 1.00 percent and Sun Communities lost .86 percent.  Deer Valley remained unchanged.