"If your portfolio is in Florida or Las Vegas, you may be down 20%, " he says.
Better market sentiment may be down to nothing more than the aspirin from the ECB.
They may be down in the dirt but it seems dung beetles also have their eyes on the stars.
And right now we may be down a little bit, but I can't imagine it being this way for very long.
Shares may be down 3.6% from the beginning of the year, but remain essentially flat from a year ago on Thursday.
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The stock market may be down recently, but business magazines are up.
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The researchers suggested this failure to transfer may be down to a lack of parental involvement or the "light touch" nature of the interventions.
They suggest it may be down to drinking patterns and habits - those that are mixing drinks, and drinking at different venues, may be more likely to under-report.
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Its doyens have gained powerful positions in government, although this may be down to the modern assumption that if people are rich they must be smart.
Although it agrees that spending cuts are better than tax rises, this may be down to the willingness of central banks to cut interest rates to compensate.
Audrey Kaplan, a portfolio manager at Federated Investors and manager of Federated InterContinental (RIMAX) told me two weeks ago that China may be down, but is not out.
While Binkowski is aware that hotel revenues may be down this year, there are other ways in which the bowl games can continue to drive a high economic impact.
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While the numbers of people coming through the traditional entry points at ports and the Channel Tunnel may be down, there remains anecdotal evidence that illegal immigrants are entering the UK by other means.
The delay may be down to simple perfectionism.
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It has since become a standard, performed by the Celine Dions, Sarah Brightmans and Lesley Garretts of the world, and its success may be down to the same effects of age that prevented Louis Armstrong from playing a note.
And while most China investors are far from overly bullish on China, nor subscribe to any saintly view of its economic management, the prevailing consensus among portfolio managers who continue to put money to work in China is this: China may be down, but it is not out.
With less credit in the California market, prices may be driven down even more.
The item may be taken down from some websites but it will be uploaded on others.
"I feel that we may be heading down a technology cul-de-sac at the moment, " he said.
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Often applicants may be turned down on the first or second attempt to receive benefits.
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Attempts to re-float the devolved Stormont Assembly may be bogged down, but elsewhere Northern Ireland is moving forward.
Fortunately, that cost may be heading down a little thanks to increased demand for used materials from Asia.
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The Republic of Ireland and Portugal may be tempted down the same route.
The good news: The bruising market share battle between AMD and rival Intel looks like it may be winding down.
Analysis may be broken down into existing beliefs and time spent applying those beliefs to new or newly discovered information.
Homeless people in part of Kent may be bumped down housing waiting lists under plans being considered by a council.
The recipe may be dumbed down for cookbook readers, yet it is served atop a complex dish of marinated giant scampi.
Better yet, she adds, major Wall Street banks have retained her company to analyze mortgages that may be securitized down the road.
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