The Dow slipped one-half a percentage point, registering financial sector losses, falling to 12089.96, as housing stocks closed mixed.  Palm Harbor Homes closed up 15.38 percent, Nobility Homes gained 1.24 percent and Cavco was up .77 percent.  ELS lost 1.06 percent, MSCI dropped 1.04 percent, Skyline Corporation lost .54 percent and Sun Communities fell .26 percent.  Deer Valley was unchanged.  The Manufactured Housing Composite gained .18 percent to close at 1044.50.