21.   She did not have to see the fund through a down market.

22.   Spread your money among different types of investments because diversification will save you in a down market.

23.   The best protection, according to some investment advisers, is to adopt a longer-range strategy and stick to it even in a down market.

24.   The prospect of needing to sell assets in a down market is daunting, he said.

25.   The winners tend to be funds that invest in futures or use other hedging techniques to post gains in a down market.

26.   You want to see how the portfolio manager has weathered the down markets.

27.   Drug and health care stocks are often seen as safer bets during uncertainty or a down market.

28.   Drug and health care stocks are often seen as a safe bet during uncertainty or a down market.

29.   Health care and pharmaceutical and health stocks, often seen as a safe bet during uncertainty or a down market, were mixed.

30.   Some pharmaceutical and health stocks, often seen as a safe bet during uncertainty or a down market, also gave up ground.