The Dow closed down 28 points Thursday ahead of several corporate earnings reports. The Manufactured Housing Composite Value was down another 2.6 percent Thursday after a disappointing performance Wednesday. On January 12, the website Benzinga again called out the manufactured housing industry as one of the worst performing, citing a 3.5 percent drop, with declines by Cavco and Skyline exceeding that.  Both companies were down around three additional percentage points Thursday. Closing higher were Global Diversified Industries, UMH Properties and Walker & Dunlop.