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The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government. The federal Fair Housing Act prohibits discrimination because of race, color, creed, religion, national origin, sex, familial status or disability. For more information, visit www.hud.gov/fairhousing.