Markets in California and Massachusetts dominate a list of areas that are most vulnerable to a decline in housing values, according to Standard & Poor's housing volatility index.Nine of the ten metropolitan areas with the highest probability of housing value declines in the event of an economic downturn are in California or Massachusetts, with the tenth being in Florida. Several markets in the New York City region and New Jersey also figure prominently on S&P's list. Standard & Poor's is located on the Internet at http://www.sandp.com
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