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For the 100 million Americans — especially people of color, living at or below 200 percent of the poverty level — housing costs and homelessness pose one of the most fundamental threats to our ability to thrive as a nation. Many factors have contributed to the root causes of the current state of housing, including racially-biased government policies, systems, and structures; predatory capital practices and speculative markets; land and building costs; and extreme income inequality have all played a role in creating the affordability crisis we are experiencing today.