1.   Anthrax and bio-terrorism has prompted costume shops to expect a down year but store owners said business has been about normal.

2.   Bond funds do occasionally have a down year, he noted, but the magnitude is usually less than a down year for the stock market.

3.   A. Analysts have been predicting that next year will be a down year for the last decade.

4.   Cal was expected to have a down year.

5.   During the down years, he supported himself by scouring second-hand stores and flea markets for used classical records, which he sells to collectors.

6.   Everett was arguably the best overall player on the team, and while last season was a down year for Bell, he always has been a dangerous hitter.

7.   He also said that if he does suffer a down year next season, he would more than likely want to come back and fix things before he retired.

8.   I had a down year, but I knew I could come back from it.

9.   If the stock market has a down year, companies that earn fees based on assets under management could see revenues suffer.

10.   In what has been a down year in the conference, those two might be the only entries.