How Urban Planners Caused The Housing Bubble

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How Urban Planners Caused the Housing Bubble

Author : Randal O'Toole
Publisher :
ISBN 13 :
Total Pages : 28 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis How Urban Planners Caused the Housing Bubble by : Randal O'Toole

Download or read book How Urban Planners Caused the Housing Bubble written by Randal O'Toole and published by . This book was released on 2014 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Everyone agrees that the recent financial crisis started with the deflation of the housing bubble. But what caused the bubble? Answering this question is important both for identifying the best short-term policies and for fixing the credit crisis, as well as for developing long-term policies aimed at preventing another crisis in the future.Some people blame the Federal Reserve for keeping interest rates low; some blame the Community Reinvestment Act for encouraging lenders to offer loans to marginal homebuyers; others blame Wall Street for failing to properly assess the risks of sub-prime mortgages. But all of these explanations apply equally nationwide, while a close look reveals that only some communities suffered from housing bubbles.Between 2000 and the bubble's peak, inflation- adjusted housing prices in California and Florida more than doubled, and since the peak they have fallen by 20 to 30 percent. In contrast, housing prices in Georgia and Texas grew by only about 20 to 25 percent, and they haven't significantly declined.In other words, California and Florida housing bubbled, but Georgia and Texas housing did not. This is hardly because people don't want to live in Georgia and Texas: since 2000, Atlanta, Dallas-Ft. Worth, and Houston have been the nation's fastest-growing urban areas, each growing by more than 120,000 people per year.This suggests that local factors, not national policies, were a necessary condition for the housing bubbles where they took place. The most important factor that distinguishes states like California and Florida from states like Georgia and Texas is the amount of regulation imposed on landowners and developers, and in particular a regulatory system known as growth management.In short, restrictive growth management was a necessary condition for the housing bubble. States that use some form of growth management should repeal laws that mandate or allow such planning, and other states and urban areas should avoid passing such laws or implementing such plans; otherwise, the next housing bubble could be even more devastating than this one.

The Great American Housing Bubble

Author : Adam J. Levitin
Publisher : Harvard University Press
ISBN 13 : 0674979656
Total Pages : 401 pages
Book Rating : 4.6/5 (749 download)

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Book Synopsis The Great American Housing Bubble by : Adam J. Levitin

Download or read book The Great American Housing Bubble written by Adam J. Levitin and published by Harvard University Press. This book was released on 2020-06-09 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: The definitive account of the housing bubble that caused the Great Recession—and earned Wall Street fantastic profits. The American housing bubble of the 2000s caused the worst global financial crisis since the Great Depression. In this definitive account, Adam Levitin and Susan Wachter pinpoint its source: the shift in mortgage financing from securitization by Fannie Mae and Freddie Mac to “private-label securitization” by Wall Street banks. This change set off a race to the bottom in mortgage underwriting standards, as banks competed in laxity to gain market share. The Great American Housing Bubble tells the story of the transformation of mortgage lending from a dysfunctional, local affair, featuring short-term, interest-only “bullet” loans, to a robust, national market based around the thirty-year fixed-rate mortgage, a uniquely American innovation that served as the foundation for the middle class. Levitin and Wachter show how Fannie and Freddie’s market power kept risk in check until 2003, when mortgage financing shifted sharply to private-label securitization, as lenders looked for a way to sustain lending volume following an unprecedented refinancing wave. Private-label securitization brought a return of bullet loans, which had lower initial payments—enabling borrowers to borrow more—but much greater back-loaded risks. These loans produced a vast oversupply of underpriced mortgage finance that drove up home prices unsustainably. When the bubble burst, it set off a destructive downward spiral of home prices and foreclosures. Levitin and Wachter propose a rebuild of the housing finance system that ensures the widespread availability of the thirty-year fixed-rate mortgage, while preventing underwriting competition and shifting risk away from the public to private investors.

Hot Property

Author : Rob Nijskens
Publisher : Springer
ISBN 13 : 3030116743
Total Pages : 220 pages
Book Rating : 4.0/5 (31 download)

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Book Synopsis Hot Property by : Rob Nijskens

Download or read book Hot Property written by Rob Nijskens and published by Springer. This book was released on 2019-06-14 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access book discusses booming housing markets in cities around the globe, and the resulting challenges for policymakers and central banks. Cities are booming everywhere, leading to a growing demand for urban housing. In many cities this demand is out-pacing supply, which causes house prices to soar and increases the pressure on rental markets. These developments are posing major challenges for policymakers, central banks and other authorities responsible for ensuring financial stability, and economic well-being in general.This volume collects views from high-level policymakers and researchers, providing essential insights into these challenges, their impact on society, the economy and financial stability, and possible policy responses. The respective chapters address issues such as the popularity of cities, the question of a credit-fueled housing bubble, the role of housing supply frictions and potential policy solutions. Given its scope, the book offers a revealing read and valuable guide for everyone involved in practical policymaking for housing markets, mortgage credit and financial stability.

Race for Profit

Author : Keeanga-Yamahtta Taylor
Publisher : UNC Press Books
ISBN 13 : 1469653672
Total Pages : 364 pages
Book Rating : 4.4/5 (696 download)

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Book Synopsis Race for Profit by : Keeanga-Yamahtta Taylor

Download or read book Race for Profit written by Keeanga-Yamahtta Taylor and published by UNC Press Books. This book was released on 2019-09-03 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.

Foreclosing the Dream

Author : William Lucy
Publisher : Routledge
ISBN 13 : 1351177982
Total Pages : 134 pages
Book Rating : 4.3/5 (511 download)

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Book Synopsis Foreclosing the Dream by : William Lucy

Download or read book Foreclosing the Dream written by William Lucy and published by Routledge. This book was released on 2017-11-08 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: That America entered a profound housing crisis in 2008 is well known. The wave of foreclosures that began to sweep the nation has had radical economic effects. But the force, ramifications, and implications for communities across America have never been spelled out as clearly and thoroughly as they are in this volume. As he did in Tomorrow's Cities, Tomorrow's Suburbs, the author has taken a clear-eyed and meticulous look at the latest data and found lessons that the mainstream discussion has overlooked - particularly with regard to the spatial and demographic implications of the housing crisis. The housing market did not collapse uniformly, and the pain has not been felt equally in all age groups. Planners, public officials, activists, students, and others will benefit from the author's's analysis of the real shape of the crisis, for what happens next will reflect these inequities. The author pulls no punches in this taut, readable assessment of what the crisis will mean for the shapes of our exurbs, older suburbs, and central cities.

Urban Warfare

Author : Raquel Rolnik
Publisher : Verso Books
ISBN 13 : 1788731603
Total Pages : 385 pages
Book Rating : 4.7/5 (887 download)

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Book Synopsis Urban Warfare by : Raquel Rolnik

Download or read book Urban Warfare written by Raquel Rolnik and published by Verso Books. This book was released on 2019-03-26 with total page 385 pages. Available in PDF, EPUB and Kindle. Book excerpt: How finance and politics have caused the global housing crisis The most comprehensive survey of the current crisis, Urban Warfare charts how the financial crisis and wider urban politics have left millions homeless and in financial desperation across the world. The financialization of housing has become a global catastrophe, leaving millions desperate and homeless. Since the 2008 financial collapse, models of home ownership, originating in the US and UK, are being exported around the world. Using examples from across the globe, Rolnik shows how our cities have been sold to construction companies and banks, while supported by government-facilitated schemes, such as “the right to buy” subsidies and micro-financing. Our homes and neighbourhoods have become the “last subprime frontiers of capitalism,” organised by those who benefit the most.

In Defense of Housing

Author : Peter Marcuse
Publisher : Verso Books
ISBN 13 : 1804294942
Total Pages : 257 pages
Book Rating : 4.8/5 (42 download)

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Book Synopsis In Defense of Housing by : Peter Marcuse

Download or read book In Defense of Housing written by Peter Marcuse and published by Verso Books. This book was released on 2024-08-27 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: In every major city in the world there is a housing crisis. How did this happen and what can we do about it? Everyone needs and deserves housing. But today our homes are being transformed into commodities, making the inequalities of the city ever more acute. Profit has become more important than social need. The poor are forced to pay more for worse housing. Communities are faced with the violence of displacement and gentrification. And the benefits of decent housing are only available for those who can afford it. In Defense of Housing is the definitive statement on this crisis from leading urban planner Peter Marcuse and sociologist David Madden. They look at the causes and consequences of the housing problem and detail the need for progressive alternatives. The housing crisis cannot be solved by minor policy shifts, they argue. Rather, the housing crisis has deep political and economic roots—and therefore requires a radical response.

The Urban Housing Crisis

Author : Arlene Zarembka
Publisher : Praeger
ISBN 13 : 0313266913
Total Pages : 0 pages
Book Rating : 4.3/5 (132 download)

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Book Synopsis The Urban Housing Crisis by : Arlene Zarembka

Download or read book The Urban Housing Crisis written by Arlene Zarembka and published by Praeger. This book was released on 1990-03-20 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Zarembka's one-volume analysis and synthesis of four major aspects of the current housing crisis (financing/affordability, inadequate supply of lower-priced housing, discrimination, and displacement) provides, for each of the areas discussed, historical background, a review of alternative methods of problem resolution, and concrete proposals for new housing policies. Few, if any, books in the field investigate all four topics in such detail. Drawing on her legal training and experience, Zarembka also summarizes and interprets key legal concepts and court decisions that are relevant to the housing issue in terms the non-lawyer can understand. In addition, the work proposes a comprehensive platform for resolving the housing crisis. Chapter 1 summarizes the present housing crisis in the United States and reviews the federal government's response to that crisis. Issues arising in capitalist, socialist, and mixed economies in devising an equitable housing system are discussed in Chapter 2. Chapters 3 through 7 provide detailed analyses of the problems of financing, production and preservation, discrimination, and displacement, and give concrete proposals in each of those areas. The book concludes with a chapter discussing constitutional considerations that apply to the housing proposals, as well as mechanisms for financing them. Public policy makers, housing experts, urban planners, housing and community activists, professors and students in the social sciences, minorities, and those interested in critiques of the existing social and economic structure will find the keen insights, systematic analysis, and proposals for change provided here important reading. The volume could well be used as a primary or supplemental text for courses in urban studies, public policy, sociology, political science, economics, social work, law, Afro-American studies, and history.

Scarcity by Design

Author : Peter D. Salins
Publisher :
ISBN 13 :
Total Pages : 194 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Scarcity by Design by : Peter D. Salins

Download or read book Scarcity by Design written by Peter D. Salins and published by . This book was released on 1992 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: No American metropolis has intervened in its housing market quite as aggressively as New York since World War II - and yet none is as burdened by the scarcity, poor quality, uneven distribution, and high cost of its rental housing stock. Why, after half a century of rent control, public housing programs, tax abatements, and land use regulation, is it so difficult for thousands of New Yorkers to find, rent, or maintain decent apartments? Addressing issues that are hotly debated in the Big Apple and other cities across the nation, Peter Salins and Gerard Mildner analyze New York's policies and assess their largely detrimental effects on housing quality and availability. They show how programs that were instituted for the benefit of both investors and the poor - by directly and indirectly subsidizing housing construction and by capping rents - have instead caused misallocation of housing, exacerbated tensions between tenants and landlords, progressively stifled private investment, and resulted in building deterioration and abandonment. Scarcity by Design is an object lesson in what governments should not do if they wish to improve housing and maintain communities. The authors make a strong case for deregulation: arguing from a free-market perspective, Salins and Mildner clearly demonstrate how transition to a fully deregulated, unsubsidized housing market would alleviate the social and economic woes of New York's tenants. They present deregulation as the essential stimulus of housing production, fair pricing, and good maintenance. The authors' crisply written analysis of New York's housing problems and their proposed solutions will enlighten citizens, city managers, investors, builders, and urban planners, and should spark discussions in academic as well as professional circles

The Housing Boom and Bust

Author : Thomas Sowell
Publisher : Basic Books (AZ)
ISBN 13 : 0465018807
Total Pages : 194 pages
Book Rating : 4.4/5 (65 download)

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Book Synopsis The Housing Boom and Bust by : Thomas Sowell

Download or read book The Housing Boom and Bust written by Thomas Sowell and published by Basic Books (AZ). This book was released on 2009-05-12 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explains how we got into the current economic disaster that developed out of the economics and politics of the housing boom and bust. The "creative" financing of home mortgages and "creative" marketing of financial securities based on these mortgages to countries around the world, are part of the story of how a financial house of cards was built up--and then collapsed.

Urban Planning and the Housing Market

Author : Nicole Gurran
Publisher : Springer
ISBN 13 : 1137464038
Total Pages : 449 pages
Book Rating : 4.1/5 (374 download)

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Book Synopsis Urban Planning and the Housing Market by : Nicole Gurran

Download or read book Urban Planning and the Housing Market written by Nicole Gurran and published by Springer. This book was released on 2017-05-31 with total page 449 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book re-examines the role of urban policy and planning in relation to the housing market in an era of global uncertainty and change. The relationship between planning and the housing market is a contested problem across research, policy, and practice. Problems with housing supply and affordability in many nations have been linked to planning system constraints, while the global financial crisis has raised new questions about the role of urban planning regulation and processes in responding to housing market trends. With reference to international cases from the United Kingdom, the United States, Ireland, Hong Kong and Australia, the book examines how different systems of urban planning and governance address complex and dynamic housing market trends. It also offers practical guidance on how urban planning can support an efficient supply of appropriate and affordable homes in preferred locations. A detailed study, which explains and decodes the workings of the planning system and housing market, this book will be of particular interest to scholars of human geography and urban planning, as well as housing policy makers and practitioners. To view Nicole Gurran’s related TEDx talk please visit: Housing Crisis? How about housing solutions. TEDx Sydney 2018 (http://bit.ly/2psfpMw)

Capital City

Author : Samuel Stein
Publisher : Verso Books
ISBN 13 : 1786636387
Total Pages : 242 pages
Book Rating : 4.7/5 (866 download)

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Book Synopsis Capital City by : Samuel Stein

Download or read book Capital City written by Samuel Stein and published by Verso Books. This book was released on 2019-03-05 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: “This superbly succinct and incisive book couldn’t be more timely or urgent.” —Michael Sorkin, author of All Over the Map Our cities are changing. Around the world, more and more money is being invested in buildings and land. Real estate is now a $217 trillion dollar industry, worth thirty-six times the value of all the gold ever mined. It forms sixty percent of global assets, and one of the most powerful people in the world—the president of the United States—made his name as a landlord and developer. Samuel Stein shows that this explosive transformation of urban life and politics has been driven not only by the tastes of wealthy newcomers, but by the state-driven process of urban planning. Planning agencies provide a unique window into the ways the state uses and is used by capital, and the means by which urban renovations are translated into rising real estate values and rising rents. Capital City explains the role of planners in the real estate state, as well as the remarkable power of planning to reclaim urban life.

The Irony of Barack Obama

Author : R. Ward Holder
Publisher : Routledge
ISBN 13 : 1317026977
Total Pages : 258 pages
Book Rating : 4.3/5 (17 download)

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Book Synopsis The Irony of Barack Obama by : R. Ward Holder

Download or read book The Irony of Barack Obama written by R. Ward Holder and published by Routledge. This book was released on 2016-03-09 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: Drawing on the political theology of Reinhold Niebuhr, described by Barack Obama as 'one of my favourite philosophers', this book assesses the challenges facing the President during his first term. It evaluates his success in adhering to Niebuhr's path of 'Christian realism' when faced with the pragmatic demands of domestic and foreign affairs. In 2008 Candidate Obama used the ideas of 'Hope' and 'Change' to inspire voters and secure the presidency. Obama promised change not only regarding America's policies, but even more fundamentally in the nation's political culture. Holder and Josephson describe the foundations of President Obama's Christian faith and the extent to which it has shaped his approach to politics. Their book explores Obama's journey of faith in the context of a broadly Augustinian understanding of faith and politics, examines the tensions between Christian realism and pragmatic progressivism, explains why a Christian realist interpretation is essential to understanding Obama's presidency, and applies this model of understanding to considerations of foreign and domestic policy. By combining this theological and political analysis the book offers a special opportunity to reflect on the relationship between Christian faith and statesmanship, reflections that are missing from current popular discussions of the Obama presidency. Through consideration of Niebuhr's models of the prophet and the statesman, and the more popular alternative of the political evangelist, Holder and Josephson are better able to explain the president's successes and his failures, and to unveil the Augustinian limits of the political life.

Shut Out

Author : Kevin Erdmann
Publisher : Rowman & Littlefield
ISBN 13 : 1538122154
Total Pages : 322 pages
Book Rating : 4.5/5 (381 download)

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Book Synopsis Shut Out by : Kevin Erdmann

Download or read book Shut Out written by Kevin Erdmann and published by Rowman & Littlefield. This book was released on 2019-01-21 with total page 322 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States suffers from a shortage of well-placed homes. This was true even at the peak of the housing boom in 2005. Using a broad array of evidence on housing inflation, income, migration, homeownership trends, and international comparisons, Shut Out demonstrates that high home prices have been largely caused by the constrained housing supply in a handful of magnet cities leading the new economy. The same phenomenon is occurring in leading countries across the globe. Gentrifying cities have become exclusionary bastions in the new postindustrial economy. The US housing bubble that peaked in 2005 is more accurately described as a refugee crisis than a credit bubble. Surging demand for limited urban housing triggered a spike of migration away from the magnet cities among households with moderate and lower incomes who could no longer afford to remain, causing a brief contagion of high prices in the cities where the migrants moved. In this book, author Kevin Erdmann observes that the housing bubble has been broadly and incorrectly attributed to various “excesses.” Policymakers and economists concluded that our key challenge was that we had built too many homes. This misdiagnosis of the problem, according to Erdmann, led to misguided public polices, which were the primary cause of the subsequent financial crisis. A sort of moral panic about supposed excesses in home lending and construction led to destabilizing monetary and regulatory decisions. As the economy slumped, a sense of fatalism prevented the government from responding appropriately to the worsening situation. Shut Out provides a much-needed correction to the causes and consequences of financial crises and secular stagnation.

Speculation

Author : Stuart Banner
Publisher : Oxford University Press
ISBN 13 : 0190623047
Total Pages : 353 pages
Book Rating : 4.1/5 (96 download)

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Book Synopsis Speculation by : Stuart Banner

Download or read book Speculation written by Stuart Banner and published by Oxford University Press. This book was released on 2017 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is the difference between a gambler and a speculator? Is there a readily identifiable line separating the two? If so, is it possible for us to discourage the former while encouraging the latter? These difficult questions cut across the entirety of American economic history, and the periodic failures by regulators to differentiate between irresponsible gambling and clear-headed investing have often been the proximate causes of catastrophic economic downturns. Most recently, the blurring of speculation and gambling in U.S. real estate markets fueled the 2008 global financial crisis, but it is one in a long line of similar economic disasters going back to the nation's founding. In Speculation, author Stuart Banner provides a sweeping and story-rich history of how the murky lines separating investment, speculation, and outright gambling have shaped America from the 1790s to the present. Regulators and courts always struggled to draw a line between investment and gambling, and it is no easier now than it was two centuries ago. Advocates for risky investments have long argued that risk-taking is what defines America. Critics counter that unregulated speculation results in bubbles that always draw in the least informed investors-gamblers, essentially. Financial chaos is the result. The debate has been a perennial feature of American history, with the pattern repeating before and after every financial downturn since the 1790s. The Panic of 1837, the speculative boom of the roaring twenties, and the real estate bubble of the early 2000s are all emblematic of the difficulty in differentiating sober from reckless speculation. Even after the recent financial crisis, the debate continues. Some, chastened by the crash, argue that we need to prohibit certain risky transactions, but others respond by citing the benefits of loosely governed markets and the dangers of over-regulation. These episodes have generated deep ambivalence, yet Americans' faith in investment and - by extension - the stock market has always rebounded quickly after even the most savage downturns. Indeed, the speculator on the make is a central figure in the folklore of American capitalism. Engaging and accessible, Speculation synthesizes a suite of themes that sit at the heart of American history - the ability of courts and regulators to protect ordinary Americans from the ravages of capitalism; the periodic fallibility of the American economy; and - not least - the moral conundrum inherent in valuing those who produce goods over those who speculate, and yet enjoying the fruits of speculation. Banner's history is not only invaluable for understanding the fault lines beneath the American economy today, but American identity itself.

The Affordable City

Author : Shane Phillips
Publisher : Island Press
ISBN 13 : 1642831336
Total Pages : 282 pages
Book Rating : 4.6/5 (428 download)

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Book Synopsis The Affordable City by : Shane Phillips

Download or read book The Affordable City written by Shane Phillips and published by Island Press. This book was released on 2020-09-15 with total page 282 pages. Available in PDF, EPUB and Kindle. Book excerpt: From Los Angeles to Boston and Chicago to Miami, US cities are struggling to address the twin crises of high housing costs and household instability. Debates over the appropriate course of action have been defined by two poles: building more housing or enacting stronger tenant protections. These options are often treated as mutually exclusive, with support for one implying opposition to the other. Shane Phillips believes that effectively tackling the housing crisis requires that cities support both tenant protections and housing abundance. He offers readers more than 50 policy recommendations, beginning with a set of principles and general recommendations that should apply to all housing policy. The remaining recommendations are organized by what he calls the Three S’s of Supply, Stability, and Subsidy. Phillips makes a moral and economic case for why each is essential and recommendations for making them work together. There is no single solution to the housing crisis—it will require a comprehensive approach backed by strong, diverse coalitions. The Affordable City is an essential tool for professionals and advocates working to improve affordability and increase community resilience through local action.

Foreclosing the Dream

Author : William H. Lucy
Publisher : Planners Press
ISBN 13 : 9781932364774
Total Pages : 195 pages
Book Rating : 4.3/5 (647 download)

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Book Synopsis Foreclosing the Dream by : William H. Lucy

Download or read book Foreclosing the Dream written by William H. Lucy and published by Planners Press. This book was released on 2010-01-01 with total page 195 pages. Available in PDF, EPUB and Kindle. Book excerpt: The housing market did not collapse uniformly, and the pain has not been felt equally in all age groups. Planners, public officials, activists, students, and others will benefit from Lucy's analysis of the real shape of the crisis, for what happens next will reflect these inequities. Lucy pulls no punches in this taut, readable assessment of what the crisis will mean for the shapes of our exurbs, older suburbs, and central cities. No responsible planner or housing professional can afford to miss this book.