Great stuff, but I don't think I was the one who asked you for this, was I? But I do know that you and I have had quite a few interesting exchanges about this very issue over the years here on this board! I really appreciate you posting it. Thanks.
I remember talking about articles in the newspaper about "empowerment zones" and "CRA" with a friend back in the 90s when this stuff was sometimes in the political news, and though I was young, I was at least wise enough to keep making the point that if people can't afford a house in the first place, then how can this help them ultimately?
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