11.   In a down market, most chief executives should have suffered under the model that was applied on the way up.

12.   In a down market, shares of the largest auto makers declined.

13.   In a down market, the opposite could be true.

14.   In a down market, once the circuit breaker is set off, a stock may only be sold when its price is unchanged or rising slightly.

15.   In a down market, such differences between funds can produce a vast gulf in results.

16.   In a down market, the seller would probably react differently.

17.   Individuals do not trade very actively in a down market.

18.   Mitchell agreed that a down market can offer a buying opportunity.

19.   Now that the bull market has turned decidedly bearish, business and personal finance magazines are offering advice on which stocks to buy in a down market.

20.   Retiring in a down market also means reassessing other financial practices.