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版大會搞混，主要是一些片語和句型。整句地正確理解，必須先釐清底下吉祥關鍵的：

1. 注意省略部份就知曉：
Many investments ... either track (the S&P500) 
 or are measured against the S&P500.

2. 注意最後是分為三項，每項都是常用的財經勇於/片語：
in (1) the US housing market, (2) deterioration of credit and (3) record oil prices.

 (1) the US housing market 美國房產市場 
(2) deterioration of credit 信貸崩壞
 and (3) record oil prices 創歷史新高的油價

3. 加入省略的關係代名詞就清楚：
representatives from most of the franchise opportunities (which are) available on-hand to answer all of our questions.
來自大半現在可行的加盟商業機會的代表(representatives)，能夠回答我們所有的問題

available: 可行的 -- 你可以聯絡投資加盟。

4. 這句分段翻譯，依照原句型，比較容易理解原文

Stocks closed sharply lower 股市收盤大跌

as worries about the mortgage market and broader economy 
因為(大家對)房貸市場和整體經濟面的疑慮

triggered selling among nervous investors ahead of the
holiday shopping season.
引發緊張的投資人拋售，趕在假日購買季節之前
 

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