how do you respond when there s been a crisis. how do you fix that crisis? what s happened here is the lenders who oftentimes cause the crisis. instead of taking steps to maintain it, they let them rot. the fair housing center found that oftentimes there were properties in black neighborhoods that were burned and destroyed. the companies didn t care. so, the communities that had been destroyed could not rebuild themselves because they had no access to the propertieproperti. there s a multicenter. you said you suspected this is going to be this reduction of mousing values particularly in black and latino communities. this is going to be the last big impact of the economic downturn. exactly. the dream of home ownership, the avenue for building wealth was pushed on all americans. in particular, in minority neighborhoods and minority communities. the fortunate effect of the