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A financial zoo brings us this week’s Marketplace Money buzzword: bull-bear ratio.

The bull-bear ratio is a weekly indicator that gets info from Wall Street insiders. Ratio analysts pull financial advisers to see what they’re telling their clients. Bull if advisers think the market’s on an upswing, bear if it’s on a downturn.

This week, the bull-bear ratio fell for the third straight time. Some experts say the ratio is a good judge of what the average investor might do. More bad news leads to selling, and that means other investors might follow. Which means that there’s another animal on the loose: baaaaaaaaaaa . . .