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One of the biggest culprits in Florida's ongoing housing affordability crisis is zoning, said three experts who will gather at USF St. Petersburg Wednesday to discuss ways to increase housing stock and lower costs.Former state Sen. Jeff Brandes organized the Florida Housing Summit through a think tank he started called The Florida Policy Project. He discussed the summit's goals on WMNF WaveMakers with Janet & Tom, joined by Scott MacDonald, a partner in Bluesky Communities in Tampa, which has built thousands of affordable apartments in Florida.