"It is property taxes, and outlawing affordable homes that has hammered the working poor. They do not need apartments, they need a home. The mortgage cuts the rent in half so they do not need subsidized housing, and in what they save in rent they do not need food stamps either. They can support themselves in independence and dignity. Furthermore, the mortgage grows wealth through equity that shortens the gap between rich and poor by lifting them to entry level middle class." -- Boozer, you have good points to make and the insults just get in your way. Give yourself, and what you have to add, more credit.