The Dow lost 19.15 points after hearing from the Federal Reserve Chairman, Ben Bernanke, that the government will not provide more economic stimulus, closing at 12,070.81.  Several  housing stocks ended the day up.  Cavco gained 2.89 percent, MSCI rose 1.38 percent, Skyline was up .73 percent, Sun Communities rose .47 percent and Nobility Homes gained .24 percent.  Equity LifeStyle Properties was down .23 percent.  Deer Valley remained flat.  The Manufactured Housing Composite gained 1.95 percent to close at 1064.90.