Housing Policy Initiative | The Pew Charitable Trusts

<!DOCTYPE html> <html prefix="og: http://ogp.me/ns#" lang="en"> <head> <title>Housing Policy Initiative | The Pew Charitable Trusts</title> <meta charset="UTF-8" /> <meta name="HandheldFriendly" content="True" /> <meta name="MobileOptimized" content="320" /> <meta http-equiv="X-UA-Compatible" content="IE=edge"><script type="text/javascript">window.NREUM||(NREUM={});NREUM.info = {"beacon":"bam.nr-data.net","errorBeacon":"bam.nr-data.net","licenseKey":"NRJS-fde545555ce3fb6aa68","applicationID":"1793650477","transactionName":"MlVWbRRQW0BUUkJaXAsfY1wEQVRUUB5mQVwPVVdNRmFUVFA=","queueTime":0,"applicationTime":370,"agent":"","atts":""}</script><script type="text/javascript">(window.NREUM||(NREUM={})).init={privacy:{cookies_enabled:true},ajax:{deny_list:["bam.nr-data.net"]},distributed_tracing:{enabled:true}};(window.NREUM||(NREUM={})).loader_config={agentID:"1834982754",accountID:"4007801",trustKey:"360749",xpid:"UAYHVl5TCRABU1hRAQQHUlMG",licenseKey:"NRJS-fde545555ce3fb6aa68",applicationID:"1793650477"};;/*! For license information please see nr-loader-spa-1.274.0.min.js.LICENSE.txt */ (()=>{var e,t,r={8122:(e,t,r)=>{"use strict";r.d(t,{a:()=>i});var n=r(944);function i(e,t){try{if(!e||"object"!=typeof e)return(0,n.R)(3);if(!t||"object"!=typeof t)return(0,n.R)(4);const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{if(null===e[a]){r[a]=null;continue}Array.isArray(e[a])&&Array.isArray(t[a])?r[a]=Array.from(new Set([...e[a],...t[a]])):"object"==typeof e[a]&&"object"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.R)(1,e)}return r}catch(e){(0,n.R)(2,e)}}},2555:(e,t,r)=>{"use strict";r.d(t,{Vp:()=>c,fn:()=>s,x1:()=>u});var n=r(384),i=r(8122);const o={beacon:n.NT.beacon,errorBeacon:n.NT.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){try{const t=c(e);return!!t.licenseKey&&!!t.errorBeacon&&!!t.applicationID}catch(e){return!1}}function c(e){if(!e)throw new Error("All info objects require an agent identifier!");if(!a[e])throw new Error("Info for ".concat(e," was never set"));return a[e]}function u(e,t){if(!e)throw new Error("All info objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.info=a[e])}},9417:(e,t,r)=>{"use strict";r.d(t,{D0:()=>h,gD:()=>g,xN:()=>p});var n=r(993);const i=e=>{if(!e||"string"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var o=r(2614),a=r(944),s=r(384),c=r(8122);const u="[data-nr-mask]",d=()=>{const e={mask_selector:"*",block_selector:"[data-nr-block]",mask_input_options:{color:!1,date:!1,"datetime-local":!1,email:!1,month:!1,number:!1,range:!1,search:!1,tel:!1,text:!1,time:!1,url:!1,week:!1,textarea:!1,select:!1,password:!0}};return{ajax:{deny_list:void 0,block_internal:!0,enabled:!0,harvestTimeSeconds:10,autoStart:!0},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},feature_flags:[],generic_events:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},harvest:{tooManyRequestsDelay:60},jserrors:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},logging:{enabled:!0,harvestTimeSeconds:10,autoStart:!0,level:n.p_.INFO},metrics:{enabled:!0,autoStart:!0},obfuscate:void 0,page_action:{enabled:!0},page_view_event:{enabled:!0,autoStart:!0},page_view_timing:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},performance:{capture_marks:!1,capture_measures:!1},privacy:{cookies_enabled:!0},proxy:{assets:void 0,beacon:void 0},session:{expiresMs:o.wk,inactiveMs:o.BB},session_replay:{autoStart:!0,enabled:!1,harvestTimeSeconds:60,preload:!1,sampling_rate:10,error_sampling_rate:100,collect_fonts:!1,inline_images:!1,fix_stylesheets:!0,mask_all_inputs:!0,get mask_text_selector(){return e.mask_selector},set mask_text_selector(t){i(t)?e.mask_selector="".concat(t,",").concat(u):""===t||null===t?e.mask_selector=u:(0,a.R)(5,t)},get block_class(){return"nr-block"},get ignore_class(){return"nr-ignore"},get mask_text_class(){return"nr-mask"},get block_selector(){return e.block_selector},set block_selector(t){i(t)?e.block_selector+=",".concat(t):""!==t&&(0,a.R)(6,t)},get mask_input_options(){return e.mask_input_options},set mask_input_options(t){t&&"object"==typeof t?e.mask_input_options={...t,password:!0}:(0,a.R)(7,t)}},session_trace:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},soft_navigations:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},spa:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},ssl:void 0,user_actions:{enabled:!0}}},l={},f="All configuration objects require an agent identifier!";function h(e){if(!e)throw new Error(f);if(!l[e])throw new Error("Configuration for ".concat(e," was never set"));return l[e]}function p(e,t){if(!e)throw new Error(f);l[e]=(0,c.a)(t,d());const r=(0,s.nY)(e);r&&(r.init=l[e])}function g(e,t){if(!e)throw new Error(f);var r=h(e);if(r){for(var n=t.split("."),i=0;i<n.length-1;i++)if("object"!=typeof(r=r[n[i]]))return;r=r[n[n.length-1]]}return r}},5603:(e,t,r)=>{"use strict";r.d(t,{a:()=>c,o:()=>s});var n=r(384),i=r(8122);const o={accountID:void 0,trustKey:void 0,agentID:void 0,licenseKey:void 0,applicationID:void 0,xpid:void 0},a={};function s(e){if(!e)throw new Error("All loader-config objects require an agent identifier!");if(!a[e])throw new Error("LoaderConfig for ".concat(e," was never set"));return a[e]}function c(e,t){if(!e)throw new Error("All loader-config objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.loader_config=a[e])}},3371:(e,t,r)=>{"use strict";r.d(t,{V:()=>f,f:()=>l});var n=r(8122),i=r(384),o=r(6154),a=r(9324);let s=0;const c={buildEnv:a.F3,distMethod:a.Xs,version:a.xv,originTime:o.WN},u={customTransaction:void 0,disabled:!1,isolatedBacklog:!1,loaderType:void 0,maxBytes:3e4,onerror:void 0,ptid:void 0,releaseIds:{},appMetadata:{},session:void 0,denyList:void 0,timeKeeper:void 0,obfuscator:void 0},d={};function l(e){if(!e)throw new Error("All runtime objects require an agent identifier!");if(!d[e])throw new Error("Runtime for ".concat(e," was never set"));return d[e]}function f(e,t){if(!e)throw new Error("All runtime objects require an agent identifier!");d[e]={...(0,n.a)(t,u),...c},Object.hasOwnProperty.call(d[e],"harvestCount")||Object.defineProperty(d[e],"harvestCount",{get:()=>++s});const r=(0,i.nY)(e);r&&(r.runtime=d[e])}},9324:(e,t,r)=>{"use strict";r.d(t,{F3:()=>i,Xs:()=>o,Yq:()=>a,xv:()=>n});const n="1.274.0",i="PROD",o="CDN",a="^2.0.0-alpha.17"},6154:(e,t,r)=>{"use strict";r.d(t,{A4:()=>s,OF:()=>d,RI:()=>i,WN:()=>h,bv:()=>o,gm:()=>a,lR:()=>f,m:()=>u,mw:()=>c,sb:()=>l});var n=r(1863);const i="undefined"!=typeof window&&!!window.document,o="undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),a=i?window:"undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),s="complete"===a?.document?.readyState,c=Boolean("hidden"===a?.document?.visibilityState),u=""+a?.location,d=/iPad|iPhone|iPod/.test(a.navigator?.userAgent),l=d&&"undefined"==typeof SharedWorker,f=(()=>{const e=a.navigator?.userAgent?.match(/Firefox[/\s](\d+\.\d+)/);return Array.isArray(e)&&e.length>=2?+e[1]:0})(),h=Date.now()-(0,n.t)()},7295:(e,t,r)=>{"use strict";r.d(t,{Xv:()=>a,gX:()=>i,iW:()=>o});var n=[];function i(e){if(!e||o(e))return!1;if(0===n.length)return!0;for(var t=0;t<n.length;t++){var r=n[t];if("*"===r.hostname)return!1;if(s(r.hostname,e.hostname)&&c(r.pathname,e.pathname))return!1}return!0}function o(e){return void 0===e.hostname}function a(e){if(n=[],e&&e.length)for(var t=0;t<e.length;t++){let r=e[t];if(!r)continue;0===r.indexOf("http://")?r=r.substring(7):0===r.indexOf("https://")&&(r=r.substring(8));const i=r.indexOf("/");let o,a;i>0?(o=r.substring(0,i),a=r.substring(i)):(o=r,a="");let[s]=o.split(":");n.push({hostname:s,pathname:a})}}function s(e,t){return!(e.length>t.length)&&t.indexOf(e)===t.length-e.length}function c(e,t){return 0===e.indexOf("/")&&(e=e.substring(1)),0===t.indexOf("/")&&(t=t.substring(1)),""===e||e===t}},1687:(e,t,r)=>{"use strict";r.d(t,{Ak:()=>c,Ze:()=>l,x3:()=>u});var n=r(7836),i=r(3606),o=r(860),a=r(2646);const s={};function c(e,t){const r={staged:!1,priority:o.P3[t]||0};d(e),s[e].get(t)||s[e].set(t,r)}function u(e,t){e&&s[e]&&(s[e].get(t)&&s[e].delete(t),h(e,t,!1),s[e].size&&f(e))}function d(e){if(!e)throw new Error("agentIdentifier required");s[e]||(s[e]=new Map)}function l(e="",t="feature",r=!1){if(d(e),!e||!s[e].get(t)||r)return h(e,t);s[e].get(t).staged=!0,f(e)}function f(e){const t=Array.from(s[e]);t.every((([e,t])=>t.staged))&&(t.sort(((e,t)=>e[1].priority-t[1].priority)),t.forEach((([t])=>{s[e].delete(t),h(e,t)})))}function h(e,t,r=!0){const o=e?n.ee.get(e):n.ee,s=i.i.handlers;if(!o.aborted&&o.backlog&&s){if(r){const e=o.backlog[t],r=s[t];if(r){for(let t=0;e&&t<e.length;++t)p(e[t],r);Object.entries(r).forEach((([e,t])=>{Object.values(t||{}).forEach((t=>{t[0]?.on&&t[0]?.context()instanceof a.y&&t[0].on(e,t[1])}))}))}}o.isolatedBacklog||delete s[t],o.backlog[t]=null,o.emit("drain-"+t,[])}}function p(e,t){var r=e[1];Object.values(t[r]||{}).forEach((t=>{var r=e[0];if(t[0]===r){var n=t[1],i=e[3],o=e[2];n.apply(i,o)}}))}},7836:(e,t,r)=>{"use strict";r.d(t,{P:()=>c,ee:()=>u});var n=r(384),i=r(8990),o=r(3371),a=r(2646),s=r(5607);const c="nr@context:".concat(s.W),u=function e(t,r){var n={},s={},d={},l=!1;try{l=16===r.length&&(0,o.f)(r).isolatedBacklog}catch(e){}var f={on:p,addEventListener:p,removeEventListener:function(e,t){var r=n[e];if(!r)return;for(var i=0;i<r.length;i++)r[i]===t&&r.splice(i,1)},emit:function(e,r,n,i,o){!1!==o&&(o=!0);if(u.aborted&&!i)return;t&&o&&t.emit(e,r,n);for(var a=h(n),c=g(e),d=c.length,l=0;l<d;l++)c[l].apply(a,r);var p=v()[s[e]];p&&p.push([f,e,r,a]);return a},get:m,listeners:g,context:h,buffer:function(e,t){const r=v();if(t=t||"feature",f.aborted)return;Object.entries(e||{}).forEach((([e,n])=>{s[n]=t,t in r||(r[t]=[])}))},abort:function(){f._aborted=!0,Object.keys(f.backlog).forEach((e=>{delete f.backlog[e]}))},isBuffering:function(e){return!!v()[s[e]]},debugId:r,backlog:l?{}:t&&"object"==typeof t.backlog?t.backlog:{},isolatedBacklog:l};return Object.defineProperty(f,"aborted",{get:()=>{let e=f._aborted||!1;return e||(t&&(e=t.aborted),e)}}),f;function h(e){return e&&e instanceof a.y?e:e?(0,i.I)(e,c,(()=>new a.y(c))):new a.y(c)}function p(e,t){n[e]=g(e).concat(t)}function g(e){return n[e]||[]}function m(t){return d[t]=d[t]||e(f,t)}function v(){return f.backlog}}(void 0,"globalEE"),d=(0,n.Zm)();d.ee||(d.ee=u)},2646:(e,t,r)=>{"use strict";r.d(t,{y:()=>n});class n{constructor(e){this.contextId=e}}},9908:(e,t,r)=>{"use strict";r.d(t,{d:()=>n,p:()=>i});var n=r(7836).ee.get("handle");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},3606:(e,t,r)=>{"use strict";r.d(t,{i:()=>o});var n=r(9908);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.d,i,e,t,r)}function a(e,t,r,i,o){o||(o="feature"),e||(e=n.d);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3878:(e,t,r)=>{"use strict";function n(e,t){return{capture:e,passive:!1,signal:t}}function i(e,t,r=!1,i){window.addEventListener(e,t,n(r,i))}function o(e,t,r=!1,i){document.addEventListener(e,t,n(r,i))}r.d(t,{DD:()=>o,jT:()=>n,sp:()=>i})},5607:(e,t,r)=>{"use strict";r.d(t,{W:()=>n});const n=(0,r(9566).bz)()},9566:(e,t,r)=>{"use strict";r.d(t,{LA:()=>s,ZF:()=>c,bz:()=>a,el:()=>u});var n=r(6154);const i="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n.gm?.crypto||n.gm?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(30))),i.split("").map((e=>"x"===e?o(t,r++).toString(16):"y"===e?(3&o()|8).toString(16):e)).join("")}function s(e){const t=n.gm?.crypto||n.gm?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(e)));const a=[];for(var s=0;s<e;s++)a.push(o(r,i++).toString(16));return a.join("")}function c(){return s(16)}function u(){return s(32)}},2614:(e,t,r)=>{"use strict";r.d(t,{BB:()=>a,H3:()=>n,g:()=>u,iL:()=>c,tS:()=>s,uh:()=>i,wk:()=>o});const n="NRBA",i="SESSION",o=144e5,a=18e5,s={STARTED:"session-started",PAUSE:"session-pause",RESET:"session-reset",RESUME:"session-resume",UPDATE:"session-update"},c={SAME_TAB:"same-tab",CROSS_TAB:"cross-tab"},u={OFF:0,FULL:1,ERROR:2}},1863:(e,t,r)=>{"use strict";function n(){return Math.floor(performance.now())}r.d(t,{t:()=>n})},7485:(e,t,r)=>{"use strict";r.d(t,{D:()=>i});var n=r(6154);function i(e){if(0===(e||"").indexOf("data:"))return{protocol:"data"};try{const t=new URL(e,location.href),r={port:t.port,hostname:t.hostname,pathname:t.pathname,search:t.search,protocol:t.protocol.slice(0,t.protocol.indexOf(":")),sameOrigin:t.protocol===n.gm?.location?.protocol&&t.host===n.gm?.location?.host};return r.port&&""!==r.port||("http:"===t.protocol&&(r.port="80"),"https:"===t.protocol&&(r.port="443")),r.pathname&&""!==r.pathname?r.pathname.startsWith("/")||(r.pathname="/".concat(r.pathname)):r.pathname="/",r}catch(e){return{}}}},944:(e,t,r)=>{"use strict";function n(e,t){"function"==typeof console.debug&&console.debug("New Relic Warning: https://github.com/newrelic/newrelic-browser-agent/blob/main/docs/warning-codes.md#".concat(e),t)}r.d(t,{R:()=>n})},5284:(e,t,r)=>{"use strict";r.d(t,{t:()=>c,B:()=>s});var n=r(7836),i=r(6154);const o="newrelic";const a=new Set,s={};function c(e,t){const r=n.ee.get(t);s[t]??={},e&&"object"==typeof e&&(a.has(t)||(r.emit("rumresp",[e]),s[t]=e,a.add(t),function(e={}){try{i.gm.dispatchEvent(new CustomEvent(o,{detail:e}))}catch(e){}}({loaded:!0})))}},8990:(e,t,r)=>{"use strict";r.d(t,{I:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},6389:(e,t,r)=>{"use strict";function n(e,t=500,r={}){const n=r?.leading||!1;let i;return(...r)=>{n&&void 0===i&&(e.apply(this,r),i=setTimeout((()=>{i=clearTimeout(i)}),t)),n||(clearTimeout(i),i=setTimeout((()=>{e.apply(this,r)}),t))}}function i(e){let t=!1;return(...r)=>{t||(t=!0,e.apply(this,r))}}r.d(t,{J:()=>i,s:()=>n})},3304:(e,t,r)=>{"use strict";r.d(t,{A:()=>o});var n=r(7836);const i=()=>{const e=new WeakSet;return(t,r)=>{if("object"==typeof r&&null!==r){if(e.has(r))return;e.add(r)}return r}};function o(e){try{return JSON.stringify(e,i())??""}catch(e){try{n.ee.emit("internal-error",[e])}catch(e){}return""}}},5289:(e,t,r)=>{"use strict";r.d(t,{GG:()=>o,sB:()=>a});var n=r(3878);function i(){return"undefined"==typeof document||"complete"===document.readyState}function o(e,t){if(i())return e();(0,n.sp)("load",e,t)}function a(e){if(i())return e();(0,n.DD)("DOMContentLoaded",e)}},384:(e,t,r)=>{"use strict";r.d(t,{NT:()=>o,US:()=>d,Zm:()=>a,bQ:()=>c,dV:()=>s,nY:()=>u,pV:()=>l});var n=r(6154),i=r(1863);const o={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net"};function a(){return n.gm.NREUM||(n.gm.NREUM={}),void 0===n.gm.newrelic&&(n.gm.newrelic=n.gm.NREUM),n.gm.NREUM}function s(){let e=a();return e.o||(e.o={ST:n.gm.setTimeout,SI:n.gm.setImmediate,CT:n.gm.clearTimeout,XHR:n.gm.XMLHttpRequest,REQ:n.gm.Request,EV:n.gm.Event,PR:n.gm.Promise,MO:n.gm.MutationObserver,FETCH:n.gm.fetch,WS:n.gm.WebSocket}),e}function c(e,t){let r=a();r.initializedAgents??={},t.initializedAt={ms:(0,i.t)(),date:new Date},r.initializedAgents[e]=t}function u(e){let t=a();return t.initializedAgents?.[e]}function d(e,t){a()[e]=t}function l(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},2843:(e,t,r)=>{"use strict";r.d(t,{u:()=>i});var n=r(3878);function i(e,t=!1,r,i){(0,n.DD)("visibilitychange",(function(){if(t)return void("hidden"===document.visibilityState&&e());e(document.visibilityState)}),r,i)}},8139:(e,t,r)=>{"use strict";r.d(t,{u:()=>f});var n=r(7836),i=r(3434),o=r(8990),a=r(6154);const s={},c=a.gm.XMLHttpRequest,u="addEventListener",d="removeEventListener",l="nr@wrapped:".concat(n.P);function f(e){var t=function(e){return(e||n.ee).get("events")}(e);if(s[t.debugId]++)return t;s[t.debugId]=1;var r=(0,i.YM)(t,!0);function f(e){r.inPlace(e,[u,d],"-",p)}function p(e,t){return e[1]}return"getPrototypeOf"in Object&&(a.RI&&h(document,f),h(a.gm,f),h(c.prototype,f)),t.on(u+"-start",(function(e,t){var n=e[1];if(null!==n&&("function"==typeof n||"object"==typeof n)){var i=(0,o.I)(n,l,(function(){var e={object:function(){if("function"!=typeof n.handleEvent)return;return n.handleEvent.apply(n,arguments)},function:n}[typeof n];return e?r(e,"fn-",null,e.name||"anonymous"):n}));this.wrapped=e[1]=i}})),t.on(d+"-start",(function(e){e[1]=this.wrapped||e[1]})),t}function h(e,t,...r){let n=e;for(;"object"==typeof n&&!Object.prototype.hasOwnProperty.call(n,u);)n=Object.getPrototypeOf(n);n&&t(n,...r)}},3434:(e,t,r)=>{"use strict";r.d(t,{Jt:()=>o,YM:()=>c});var n=r(7836),i=r(5607);const o="nr@original:".concat(i.W);var a=Object.prototype.hasOwnProperty,s=!1;function c(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n="");const a="-"===n.charAt(0);for(let s=0;s<t.length;s++){const c=t[s],u=e[c];d(u)||(e[c]=r(u,a?c+n:n,i,c,o))}},r.flag=o,r;function r(t,r,n,s,c){return d(t)?t:(r||(r=""),nrWrapper[o]=t,function(e,t,r){if(Object.defineProperty&&Object.keys)try{return Object.keys(e).forEach((function(r){Object.defineProperty(t,r,{get:function(){return e[r]},set:function(t){return e[r]=t,t}})})),t}catch(e){u([e],r)}for(var n in e)a.call(e,n)&&(t[n]=e[n])}(t,nrWrapper,e),nrWrapper);function nrWrapper(){var o,a,d,l;try{a=this,o=[...arguments],d="function"==typeof n?n(o,a):n||{}}catch(t){u([t,"",[o,a,s],d],e)}i(r+"start",[o,a,s],d,c);try{return l=t.apply(a,o)}catch(e){throw i(r+"err",[o,a,e],d,c),e}finally{i(r+"end",[o,a,l],d,c)}}}function i(r,n,i,o){if(!s||t){var a=s;s=!0;try{e.emit(r,n,i,t,o)}catch(t){u([t,r,n,i],e)}s=a}}}function u(e,t){t||(t=n.ee);try{t.emit("internal-error",e)}catch(e){}}function d(e){return!(e&&"function"==typeof e&&e.apply&&!e[o])}},9300:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.ajax},3333:(e,t,r)=>{"use strict";r.d(t,{TZ:()=>n,Zp:()=>i,mq:()=>s,nf:()=>a,qN:()=>o});const n=r(860).K7.genericEvents,i=["auxclick","click","copy","keydown","paste","scrollend"],o=["focus","blur"],a=4,s=1e3},6774:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.jserrors},993:(e,t,r)=>{"use strict";r.d(t,{ET:()=>o,TZ:()=>a,p_:()=>i});var n=r(860);const i={ERROR:"ERROR",WARN:"WARN",INFO:"INFO",DEBUG:"DEBUG",TRACE:"TRACE"},o="log",a=n.K7.logging},3785:(e,t,r)=>{"use strict";r.d(t,{R:()=>c,b:()=>u});var n=r(9908),i=r(1863),o=r(860),a=r(3969),s=r(993);function c(e,t,r={},c=s.p_.INFO){(0,n.p)(a.xV,["API/logging/".concat(c.toLowerCase(),"/called")],void 0,o.K7.metrics,e),(0,n.p)(s.ET,[(0,i.t)(),t,r,c],void 0,o.K7.logging,e)}function u(e){return"string"==typeof e&&Object.values(s.p_).some((t=>t===e.toUpperCase().trim()))}},3969:(e,t,r)=>{"use strict";r.d(t,{TZ:()=>n,XG:()=>s,rs:()=>i,xV:()=>a,z_:()=>o});const n=r(860).K7.metrics,i="sm",o="cm",a="storeSupportabilityMetrics",s="storeEventMetrics"},6630:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewEvent},782:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewTiming},6344:(e,t,r)=>{"use strict";r.d(t,{BB:()=>d,G4:()=>o,Qb:()=>l,TZ:()=>i,Ug:()=>a,_s:()=>s,bc:()=>u,yP:()=>c});var n=r(2614);const i=r(860).K7.sessionReplay,o={RECORD:"recordReplay",PAUSE:"pauseReplay",REPLAY_RUNNING:"replayRunning",ERROR_DURING_REPLAY:"errorDuringReplay"},a=.12,s={DomContentLoaded:0,Load:1,FullSnapshot:2,IncrementalSnapshot:3,Meta:4,Custom:5},c={[n.g.ERROR]:15e3,[n.g.FULL]:3e5,[n.g.OFF]:0},u={RESET:{message:"Session was reset",sm:"Reset"},IMPORT:{message:"Recorder failed to import",sm:"Import"},TOO_MANY:{message:"429: Too Many Requests",sm:"Too-Many"},TOO_BIG:{message:"Payload was too large",sm:"Too-Big"},CROSS_TAB:{message:"Session Entity was set to OFF on another tab",sm:"Cross-Tab"},ENTITLEMENTS:{message:"Session Replay is not allowed and will not be started",sm:"Entitlement"}},d=5e3,l={API:"api"}},5270:(e,t,r)=>{"use strict";r.d(t,{Aw:()=>c,CT:()=>u,SR:()=>s});var n=r(384),i=r(9417),o=r(7767),a=r(6154);function s(e){return!!(0,n.dV)().o.MO&&(0,o.V)(e)&&!0===(0,i.gD)(e,"session_trace.enabled")}function c(e){return!0===(0,i.gD)(e,"session_replay.preload")&&s(e)}function u(e,t){const r=t.correctAbsoluteTimestamp(e);return{originalTimestamp:e,correctedTimestamp:r,timestampDiff:e-r,originTime:a.WN,correctedOriginTime:t.correctedOriginTime,originTimeDiff:Math.floor(a.WN-t.correctedOriginTime)}}},3738:(e,t,r)=>{"use strict";r.d(t,{He:()=>i,Kp:()=>s,Lc:()=>u,Rz:()=>d,TZ:()=>n,bD:()=>o,d3:()=>a,jx:()=>l,uP:()=>c});const n=r(860).K7.sessionTrace,i="bstResource",o="resource",a="-start",s="-end",c="fn"+a,u="fn"+s,d="pushState",l=1e3},3962:(e,t,r)=>{"use strict";r.d(t,{AM:()=>o,O2:()=>s,Qu:()=>c,TZ:()=>a,ih:()=>u,tC:()=>i});var n=r(860);const i=["click","keydown","submit"],o="api",a=n.K7.softNav,s={INITIAL_PAGE_LOAD:"",ROUTE_CHANGE:1,UNSPECIFIED:2},c={INTERACTION:1,AJAX:2,CUSTOM_END:3,CUSTOM_TRACER:4},u={IP:"in progress",FIN:"finished",CAN:"cancelled"}},7378:(e,t,r)=>{"use strict";r.d(t,{$p:()=>x,BR:()=>b,Kp:()=>R,L3:()=>y,Lc:()=>c,NC:()=>o,SG:()=>d,TZ:()=>i,U6:()=>p,UT:()=>m,d3:()=>w,dT:()=>f,e5:()=>A,gx:()=>v,l9:()=>l,oW:()=>h,op:()=>g,rw:()=>u,tH:()=>E,uP:()=>s,wW:()=>T,xq:()=>a});var n=r(384);const i=r(860).K7.spa,o=["click","submit","keypress","keydown","keyup","change"],a=999,s="fn-start",c="fn-end",u="cb-start",d="api-ixn-",l="remaining",f="interaction",h="spaNode",p="jsonpNode",g="fetch-start",m="fetch-done",v="fetch-body-",b="jsonp-end",y=(0,n.dV)().o.ST,w="-start",R="-end",x="-body",T="cb"+R,A="jsTime",E="fetch"},4234:(e,t,r)=>{"use strict";r.d(t,{W:()=>o});var n=r(7836),i=r(1687);class o{constructor(e,t){this.agentIdentifier=e,this.ee=n.ee.get(e),this.featureName=t,this.blocked=!1}deregisterDrain(){(0,i.x3)(this.agentIdentifier,this.featureName)}}},7767:(e,t,r)=>{"use strict";r.d(t,{V:()=>o});var n=r(9417),i=r(6154);const o=e=>i.RI&&!0===(0,n.gD)(e,"privacy.cookies_enabled")},425:(e,t,r)=>{"use strict";r.d(t,{j:()=>j});var n=r(860),i=r(2555),o=r(3371),a=r(9908),s=r(7836),c=r(1687),u=r(5289),d=r(6154),l=r(944),f=r(3969),h=r(384),p=r(6344);const g=["setErrorHandler","finished","addToTrace","addRelease","addPageAction","setCurrentRouteName","setPageViewName","setCustomAttribute","interaction","noticeError","setUserId","setApplicationVersion","start",p.G4.RECORD,p.G4.PAUSE,"log","wrapLogger"],m=["setErrorHandler","finished","addToTrace","addRelease"];var v=r(1863),b=r(2614),y=r(993),w=r(3785),R=r(2646),x=r(3434);function T(e,t,r,n){if("object"!=typeof t||!t||"string"!=typeof r||!r||"function"!=typeof t[r])return(0,l.R)(29);const i=function(e){return(e||s.ee).get("logger")}(e),o=(0,x.YM)(i),a=new R.y(s.P);return a.level=n.level,a.customAttributes=n.customAttributes,o.inPlace(t,[r],"wrap-logger-",a),i}function A(){const e=(0,h.pV)();g.forEach((t=>{e[t]=(...r)=>function(t,...r){let n=[];return Object.values(e.initializedAgents).forEach((e=>{e&&e.api?e.exposed&&e.api[t]&&n.push(e.api[t](...r)):(0,l.R)(38,t)})),n.length>1?n:n[0]}(t,...r)}))}const E={};var S=r(9417),N=r(5603),O=r(5284);const _=e=>{const t=e.startsWith("http");e+="/",r.p=t?e:"https://"+e};let I=!1;function j(e,t={},g,R){let{init:x,info:j,loader_config:P,runtime:C={},exposed:k=!0}=t;C.loaderType=g;const L=(0,h.pV)();j||(x=L.init,j=L.info,P=L.loader_config),(0,S.xN)(e.agentIdentifier,x||{}),(0,N.a)(e.agentIdentifier,P||{}),j.jsAttributes??={},d.bv&&(j.jsAttributes.isWorker=!0),(0,i.x1)(e.agentIdentifier,j);const H=(0,S.D0)(e.agentIdentifier),D=[j.beacon,j.errorBeacon];I||(H.proxy.assets&&(_(H.proxy.assets),D.push(H.proxy.assets)),H.proxy.beacon&&D.push(H.proxy.beacon),A(),(0,h.US)("activatedFeatures",O.B),e.runSoftNavOverSpa&&=!0===H.soft_navigations.enabled&&H.feature_flags.includes("soft_nav")),C.denyList=[...H.ajax.deny_list||[],...H.ajax.block_internal?D:[]],C.ptid=e.agentIdentifier,(0,o.V)(e.agentIdentifier,C),e.ee=s.ee.get(e.agentIdentifier),void 0===e.api&&(e.api=function(e,t,h=!1){t||(0,c.Ak)(e,"api");const g={};var R=s.ee.get(e),x=R.get("tracer");E[e]=b.g.OFF,R.on(p.G4.REPLAY_RUNNING,(t=>{E[e]=t}));var A="api-",S=A+"ixn-";function N(t,r,n,o){const a=(0,i.Vp)(e);return null===r?delete a.jsAttributes[t]:(0,i.x1)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),I(A,n,!0,o||null===r?"session":void 0)(t,r)}function O(){}g.log=function(e,{customAttributes:t={},level:r=y.p_.INFO}={}){(0,a.p)(f.xV,["API/log/called"],void 0,n.K7.metrics,R),(0,w.R)(R,e,t,r)},g.wrapLogger=(e,t,{customAttributes:r={},level:i=y.p_.INFO}={})=>{(0,a.p)(f.xV,["API/wrapLogger/called"],void 0,n.K7.metrics,R),T(R,e,t,{customAttributes:r,level:i})},m.forEach((e=>{g[e]=I(A,e,!0,"api")})),g.addPageAction=I(A,"addPageAction",!0,n.K7.genericEvents),g.setPageViewName=function(t,r){if("string"==typeof t)return"/"!==t.charAt(0)&&(t="/"+t),(0,o.f)(e).customTransaction=(r||"http://custom.transaction")+t,I(A,"setPageViewName",!0)()},g.setCustomAttribute=function(e,t,r=!1){if("string"==typeof e){if(["string","number","boolean"].includes(typeof t)||null===t)return N(e,t,"setCustomAttribute",r);(0,l.R)(40,typeof t)}else(0,l.R)(39,typeof e)},g.setUserId=function(e){if("string"==typeof e||null===e)return N("enduser.id",e,"setUserId",!0);(0,l.R)(41,typeof e)},g.setApplicationVersion=function(e){if("string"==typeof e||null===e)return N("application.version",e,"setApplicationVersion",!1);(0,l.R)(42,typeof e)},g.start=()=>{try{(0,a.p)(f.xV,["API/start/called"],void 0,n.K7.metrics,R),R.emit("manual-start-all")}catch(e){(0,l.R)(23,e)}},g[p.G4.RECORD]=function(){(0,a.p)(f.xV,["API/recordReplay/called"],void 0,n.K7.metrics,R),(0,a.p)(p.G4.RECORD,[],void 0,n.K7.sessionReplay,R)},g[p.G4.PAUSE]=function(){(0,a.p)(f.xV,["API/pauseReplay/called"],void 0,n.K7.metrics,R),(0,a.p)(p.G4.PAUSE,[],void 0,n.K7.sessionReplay,R)},g.interaction=function(e){return(new O).get("object"==typeof e?e:{})};const _=O.prototype={createTracer:function(e,t){var r={},i=this,o="function"==typeof t;return(0,a.p)(f.xV,["API/createTracer/called"],void 0,n.K7.metrics,R),h||(0,a.p)(S+"tracer",[(0,v.t)(),e,r],i,n.K7.spa,R),function(){if(x.emit((o?"":"no-")+"fn-start",[(0,v.t)(),i,o],r),o)try{return t.apply(this,arguments)}catch(e){const t="string"==typeof e?new Error(e):e;throw x.emit("fn-err",[arguments,this,t],r),t}finally{x.emit("fn-end",[(0,v.t)()],r)}}}};function I(e,t,r,i){return function(){return(0,a.p)(f.xV,["API/"+t+"/called"],void 0,n.K7.metrics,R),i&&(0,a.p)(e+t,[(0,v.t)(),...arguments],r?null:this,i,R),r?void 0:this}}function j(){r.e(478).then(r.bind(r,8778)).then((({setAPI:t})=>{t(e),(0,c.Ze)(e,"api")})).catch((e=>{(0,l.R)(27,e),R.abort()}))}return["actionText","setName","setAttribute","save","ignore","onEnd","getContext","end","get"].forEach((e=>{_[e]=I(S,e,void 0,h?n.K7.softNav:n.K7.spa)})),g.setCurrentRouteName=h?I(S,"routeName",void 0,n.K7.softNav):I(A,"routeName",!0,n.K7.spa),g.noticeError=function(t,r){"string"==typeof t&&(t=new Error(t)),(0,a.p)(f.xV,["API/noticeError/called"],void 0,n.K7.metrics,R),(0,a.p)("err",[t,(0,v.t)(),!1,r,!!E[e]],void 0,n.K7.jserrors,R)},d.RI?(0,u.GG)((()=>j()),!0):j(),g}(e.agentIdentifier,R,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=k),I=!0}},8374:(e,t,r)=>{r.nc=(()=>{try{return document?.currentScript?.nonce}catch(e){}return""})()},860:(e,t,r)=>{"use strict";r.d(t,{$J:()=>o,K7:()=>n,P3:()=>i});const n={ajax:"ajax",genericEvents:"generic_events",jserrors:"jserrors",logging:"logging",metrics:"metrics",pageAction:"page_action",pageViewEvent:"page_view_event",pageViewTiming:"page_view_timing",sessionReplay:"session_replay",sessionTrace:"session_trace",softNav:"soft_navigations",spa:"spa"},i={[n.pageViewEvent]:1,[n.pageViewTiming]:2,[n.metrics]:3,[n.jserrors]:4,[n.spa]:5,[n.ajax]:6,[n.sessionTrace]:7,[n.softNav]:8,[n.sessionReplay]:9,[n.logging]:10,[n.genericEvents]:11},o={[n.pageViewTiming]:"events",[n.ajax]:"events",[n.spa]:"events",[n.softNav]:"events",[n.metrics]:"jserrors",[n.jserrors]:"jserrors",[n.sessionTrace]:"browser/blobs",[n.sessionReplay]:"browser/blobs",[n.logging]:"browser/logs",[n.genericEvents]:"ins"}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>({212:"nr-spa-compressor",249:"nr-spa-recorder",478:"nr-spa"}[e]+"-1.274.0.min.js"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.274.0.PROD:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName("script"),d=0;d<u.length;d++){var l=u[d];if(l.getAttribute("src")==r||l.getAttribute("data-webpack")==t+o){s=l;break}}if(!s){c=!0;var f={478:"sha512-1vUqEfJPB8Pihje9mv5CfYgkitO1FWcS+UQb84DbXqP8oYctRv4/lzl/MzNLPlRhcY1WVDBGL20I8vm6s2VV7g==",249:"sha512-Y/BeZAh6VSTmUtUNmS5XdyKxL92s30Fyyj8xVW76HSPxcKItL4+x2+kGMZc8pMJnUpZDz1L4eftZQAJh3D8NnA==",212:"sha512-Gn2tQ3qog5Yhrx/gRutkSTYPp+7nkKFt4/mIXg99LxcNpMDAYJZDBYmAACdoHNM86+iq1F3cBcQotFNzjIX8bw=="};(s=document.createElement("script")).charset="utf-8",s.timeout=120,i.nc&&s.setAttribute("nonce",i.nc),s.setAttribute("data-webpack",t+o),s.src=r,0!==s.src.indexOf(window.location.origin+"/")&&(s.crossOrigin="anonymous"),f[a]&&(s.integrity=f[a])}e[r]=[n];var h=(t,n)=>{s.onerror=s.onload=null,clearTimeout(p);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},p=setTimeout(h.bind(null,void 0,{type:"timeout",target:s}),12e4);s.onerror=h.bind(null,s.onerror),s.onload=h.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},i.p="https://js-agent.newrelic.com/",(()=>{var e={38:0,788:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&("load"===r.type?"missing":r.type),a=r&&r.target&&r.target.src;s.message="Loading chunk "+t+" failed.\n("+o+": "+a+")",s.name="ChunkLoadError",s.type=o,s.request=a,n[1](s)}}),"chunk-"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,u=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);u<a.length;u++)o=a[u],i.o(e,o)&&e[o]&&e[o][0](),e[o]=0},r=self["webpackChunk:NRBA-1.274.0.PROD"]=self["webpackChunk:NRBA-1.274.0.PROD"]||[];r.forEach(t.bind(null,0)),r.push=t.bind(null,r.push.bind(r))})(),(()=>{"use strict";i(8374);var e=i(944),t=i(6344),r=i(9566);class n{agentIdentifier;constructor(e=(0,r.LA)(16)){this.agentIdentifier=e}#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}addPageAction(e,t){return this.#e("addPageAction",e,t)}setPageViewName(e,t){return this.#e("setPageViewName",e,t)}setCustomAttribute(e,t,r){return this.#e("setCustomAttribute",e,t,r)}noticeError(e,t){return this.#e("noticeError",e,t)}setUserId(e){return this.#e("setUserId",e)}setApplicationVersion(e){return this.#e("setApplicationVersion",e)}setErrorHandler(e){return this.#e("setErrorHandler",e)}addRelease(e,t){return this.#e("addRelease",e,t)}log(e,t){return this.#e("log",e,t)}}class o extends n{#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}start(){return this.#e("start")}finished(e){return this.#e("finished",e)}recordReplay(){return this.#e(t.G4.RECORD)}pauseReplay(){return this.#e(t.G4.PAUSE)}addToTrace(e){return this.#e("addToTrace",e)}setCurrentRouteName(e){return this.#e("setCurrentRouteName",e)}interaction(){return this.#e("interaction")}wrapLogger(e,t,r){return this.#e("wrapLogger",e,t,r)}}var a=i(860),s=i(9417);const c=Object.values(a.K7);function u(e){const t={};return c.forEach((r=>{t[r]=function(e,t){return!0===(0,s.gD)(t,"".concat(e,".enabled"))}(r,e)})),t}var d=i(425);var l=i(1687),f=i(4234),h=i(5289),p=i(6154),g=i(5270),m=i(7767),v=i(6389);class b extends f.W{constructor(e,t,r=!0){super(e.agentIdentifier,t),this.auto=r,this.abortHandler=void 0,this.featAggregate=void 0,this.onAggregateImported=void 0,!1===e.init[this.featureName].autoStart&&(this.auto=!1),this.auto?(0,l.Ak)(e.agentIdentifier,t):this.ee.on("manual-start-all",(0,v.J)((()=>{(0,l.Ak)(e.agentIdentifier,this.featureName),this.auto=!0,this.importAggregator(e)})))}importAggregator(t,r={}){if(this.featAggregate||!this.auto)return;let n;this.onAggregateImported=new Promise((e=>{n=e}));const o=async()=>{let o;try{if((0,m.V)(this.agentIdentifier)){const{setupAgentSession:e}=await i.e(478).then(i.bind(i,6526));o=e(t)}}catch(t){(0,e.R)(20,t),this.ee.emit("internal-error",[t]),this.featureName===a.K7.sessionReplay&&this.abortHandler?.()}try{if(t.sharedAggregator)await t.sharedAggregator;else{t.sharedAggregator=i.e(478).then(i.bind(i,9337));const{EventAggregator:e}=await t.sharedAggregator;t.sharedAggregator=new e}if(!this.#t(this.featureName,o))return(0,l.Ze)(this.agentIdentifier,this.featureName),void n(!1);const{lazyFeatureLoader:e}=await i.e(478).then(i.bind(i,6103)),{Aggregate:a}=await e(this.featureName,"aggregate");this.featAggregate=new a(t,r),n(!0)}catch(t){(0,e.R)(34,t),this.abortHandler?.(),(0,l.Ze)(this.agentIdentifier,this.featureName,!0),n(!1),this.ee&&this.ee.abort()}};p.RI?(0,h.GG)((()=>o()),!0):o()}#t(e,t){switch(e){case a.K7.sessionReplay:return(0,g.SR)(this.agentIdentifier)&&!!t;case a.K7.sessionTrace:return!!t;default:return!0}}}var y=i(6630);class w extends b{static featureName=y.T;constructor(e,t=!0){super(e,y.T,t),this.importAggregator(e)}}var R=i(384);var x=i(9908),T=i(2843),A=i(3878),E=i(782),S=i(1863);class N extends b{static featureName=E.T;constructor(e,t=!0){super(e,E.T,t),p.RI&&((0,T.u)((()=>(0,x.p)("docHidden",[(0,S.t)()],void 0,E.T,this.ee)),!0),(0,A.sp)("pagehide",(()=>(0,x.p)("winPagehide",[(0,S.t)()],void 0,E.T,this.ee))),this.importAggregator(e))}}var O=i(3969);class _ extends b{static featureName=O.TZ;constructor(e,t=!0){super(e,O.TZ,t),this.importAggregator(e)}}var I=i(6774),j=i(3304);class P{constructor(e,t,r,n,i){this.name="UncaughtError",this.message="string"==typeof e?e:(0,j.A)(e),this.sourceURL=t,this.line=r,this.column=n,this.__newrelic=i}}function C(e){return H(e)?e:new P(void 0!==e?.message?e.message:e,e?.filename||e?.sourceURL,e?.lineno||e?.line,e?.colno||e?.col,e?.__newrelic)}function k(e){const t="Unhandled Promise Rejection";if(!e?.reason)return;if(H(e.reason))try{return e.reason.message=t+": "+e.reason.message,C(e.reason)}catch(t){return C(e.reason)}const r=C(e.reason);return r.message=t+": "+r?.message,r}function L(e){if(e.error instanceof SyntaxError&&!/:\d+$/.test(e.error.stack?.trim())){const t=new P(e.message,e.filename,e.lineno,e.colno,e.error.__newrelic);return t.name=SyntaxError.name,t}return H(e.error)?e.error:C(e)}function H(e){return e instanceof Error&&!!e.stack}class D extends b{static featureName=I.T;#r=!1;constructor(e,r=!0){super(e,I.T,r);try{this.removeOnAbort=new AbortController}catch(e){}this.ee.on("internal-error",(e=>{this.abortHandler&&(0,x.p)("ierr",[C(e),(0,S.t)(),!0,{},this.#r],void 0,this.featureName,this.ee)})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.#r=e})),p.gm.addEventListener("unhandledrejection",(e=>{this.abortHandler&&(0,x.p)("err",[k(e),(0,S.t)(),!1,{unhandledPromiseRejection:1},this.#r],void 0,this.featureName,this.ee)}),(0,A.jT)(!1,this.removeOnAbort?.signal)),p.gm.addEventListener("error",(e=>{this.abortHandler&&(0,x.p)("err",[L(e),(0,S.t)(),!1,{},this.#r],void 0,this.featureName,this.ee)}),(0,A.jT)(!1,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator(e)}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var M=i(8990);let K=1;const U="nr@id";function V(e){const t=typeof e;return!e||"object"!==t&&"function"!==t?-1:e===p.gm?0:(0,M.I)(e,U,(function(){return K++}))}function G(e){if("string"==typeof e&&e.length)return e.length;if("object"==typeof e){if("undefined"!=typeof ArrayBuffer&&e instanceof ArrayBuffer&&e.byteLength)return e.byteLength;if("undefined"!=typeof Blob&&e instanceof Blob&&e.size)return e.size;if(!("undefined"!=typeof FormData&&e instanceof FormData))try{return(0,j.A)(e).length}catch(e){return}}}var F=i(8139),B=i(7836),W=i(3434);const z={},q=["open","send"];function Z(t){var r=t||B.ee;const n=function(e){return(e||B.ee).get("xhr")}(r);if(z[n.debugId]++)return n;z[n.debugId]=1,(0,F.u)(r);var i=(0,W.YM)(n),o=p.gm.XMLHttpRequest,a=p.gm.MutationObserver,s=p.gm.Promise,c=p.gm.setInterval,u="readystatechange",d=["onload","onerror","onabort","onloadstart","onloadend","onprogress","ontimeout"],l=[],f=p.gm.XMLHttpRequest=function(t){const r=new o(t),a=n.context(r);try{n.emit("new-xhr",[r],a),r.addEventListener(u,(s=a,function(){var e=this;e.readyState>3&&!s.resolved&&(s.resolved=!0,n.emit("xhr-resolved",[],e)),i.inPlace(e,d,"fn-",y)}),(0,A.jT)(!1))}catch(t){(0,e.R)(15,t);try{n.emit("internal-error",[t])}catch(e){}}var s;return r};function h(e,t){i.inPlace(t,["onreadystatechange"],"fn-",y)}if(function(e,t){for(var r in e)t[r]=e[r]}(o,f),f.prototype=o.prototype,i.inPlace(f.prototype,q,"-xhr-",y),n.on("send-xhr-start",(function(e,t){h(e,t),function(e){l.push(e),a&&(g?g.then(b):c?c(b):(m=-m,v.data=m))}(t)})),n.on("open-xhr-start",h),a){var g=s&&s.resolve();if(!c&&!s){var m=1,v=document.createTextNode(m);new a(b).observe(v,{characterData:!0})}}else r.on("fn-end",(function(e){e[0]&&e[0].type===u||b()}));function b(){for(var e=0;e<l.length;e++)h(0,l[e]);l.length&&(l=[])}function y(e,t){return t}return n}var Y="fetch-",X=Y+"body-",J=["arrayBuffer","blob","json","text","formData"],Q=p.gm.Request,ee=p.gm.Response,te="prototype";const re={};function ne(e){const t=function(e){return(e||B.ee).get("fetch")}(e);if(!(Q&&ee&&p.gm.fetch))return t;if(re[t.debugId]++)return t;function r(e,r,n){var i=e[r];"function"==typeof i&&(e[r]=function(){var e,r=[...arguments],o={};t.emit(n+"before-start",[r],o),o[B.P]&&o[B.P].dt&&(e=o[B.P].dt);var a=i.apply(this,r);return t.emit(n+"start",[r,e],a),a.then((function(e){return t.emit(n+"end",[null,e],a),e}),(function(e){throw t.emit(n+"end",[e],a),e}))})}return re[t.debugId]=1,J.forEach((e=>{r(Q[te],e,X),r(ee[te],e,X)})),r(p.gm,"fetch",Y),t.on(Y+"end",(function(e,r){var n=this;if(r){var i=r.headers.get("content-length");null!==i&&(n.rxSize=i),t.emit(Y+"done",[null,r],n)}else t.emit(Y+"done",[e],n)})),t}var ie=i(7485),oe=i(5603);class ae{constructor(e){this.agentIdentifier=e}generateTracePayload(e){if(!this.shouldGenerateTrace(e))return null;var t=(0,oe.o)(this.agentIdentifier);if(!t)return null;var n=(t.accountID||"").toString()||null,i=(t.agentID||"").toString()||null,o=(t.trustKey||"").toString()||null;if(!n||!i)return null;var a=(0,r.ZF)(),s=(0,r.el)(),c=Date.now(),u={spanId:a,traceId:s,timestamp:c};return(e.sameOrigin||this.isAllowedOrigin(e)&&this.useTraceContextHeadersForCors())&&(u.traceContextParentHeader=this.generateTraceContextParentHeader(a,s),u.traceContextStateHeader=this.generateTraceContextStateHeader(a,c,n,i,o)),(e.sameOrigin&&!this.excludeNewrelicHeader()||!e.sameOrigin&&this.isAllowedOrigin(e)&&this.useNewrelicHeaderForCors())&&(u.newrelicHeader=this.generateTraceHeader(a,s,c,n,i,o)),u}generateTraceContextParentHeader(e,t){return"00-"+t+"-"+e+"-01"}generateTraceContextStateHeader(e,t,r,n,i){return i+"@nr=0-1-"+r+"-"+n+"-"+e+"----"+t}generateTraceHeader(e,t,r,n,i,o){if(!("function"==typeof p.gm?.btoa))return null;var a={v:[0,1],d:{ty:"Browser",ac:n,ap:i,id:e,tr:t,ti:r}};return o&&n!==o&&(a.d.tk=o),btoa((0,j.A)(a))}shouldGenerateTrace(e){return this.isDtEnabled()&&this.isAllowedOrigin(e)}isAllowedOrigin(e){var t=!1,r={};if((0,s.gD)(this.agentIdentifier,"distributed_tracing")&&(r=(0,s.D0)(this.agentIdentifier).distributed_tracing),e.sameOrigin)t=!0;else if(r.allowed_origins instanceof Array)for(var n=0;n<r.allowed_origins.length;n++){var i=(0,ie.D)(r.allowed_origins[n]);if(e.hostname===i.hostname&&e.protocol===i.protocol&&e.port===i.port){t=!0;break}}return t}isDtEnabled(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.enabled}excludeNewrelicHeader(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.exclude_newrelic_header}useNewrelicHeaderForCors(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!1!==e.cors_use_newrelic_header}useTraceContextHeadersForCors(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.cors_use_tracecontext_headers}}var se=i(9300),ce=i(7295),ue=["load","error","abort","timeout"],de=ue.length,le=(0,R.dV)().o.REQ,fe=(0,R.dV)().o.XHR;class he extends b{static featureName=se.T;constructor(e,t=!0){super(e,se.T,t),this.dt=new ae(e.agentIdentifier),this.handler=(e,t,r,n)=>(0,x.p)(e,t,r,n,this.ee);try{const e={xmlhttprequest:"xhr",fetch:"fetch",beacon:"beacon"};p.gm?.performance?.getEntriesByType("resource").forEach((t=>{if(t.initiatorType in e&&0!==t.responseStatus){const r={status:t.responseStatus},n={rxSize:t.transferSize,duration:Math.floor(t.duration),cbTime:0};pe(r,t.name),this.handler("xhr",[r,n,t.startTime,t.responseEnd,e[t.initiatorType]],void 0,a.K7.ajax)}}))}catch(e){}ne(this.ee),Z(this.ee),function(e,t,r,n){function i(e){var t=this;t.totalCbs=0,t.called=0,t.cbTime=0,t.end=R,t.ended=!1,t.xhrGuids={},t.lastSize=null,t.loadCaptureCalled=!1,t.params=this.params||{},t.metrics=this.metrics||{},e.addEventListener("load",(function(r){T(t,e)}),(0,A.jT)(!1)),p.lR||e.addEventListener("progress",(function(e){t.lastSize=e.loaded}),(0,A.jT)(!1))}function o(e){this.params={method:e[0]},pe(this,e[1]),this.metrics={}}function s(t,r){e.loader_config.xpid&&this.sameOrigin&&r.setRequestHeader("X-NewRelic-ID",e.loader_config.xpid);var i=n.generateTracePayload(this.parsedOrigin);if(i){var o=!1;i.newrelicHeader&&(r.setRequestHeader("newrelic",i.newrelicHeader),o=!0),i.traceContextParentHeader&&(r.setRequestHeader("traceparent",i.traceContextParentHeader),i.traceContextStateHeader&&r.setRequestHeader("tracestate",i.traceContextStateHeader),o=!0),o&&(this.dt=i)}}function c(e,r){var n=this.metrics,i=e[0],o=this;if(n&&i){var a=G(i);a&&(n.txSize=a)}this.startTime=(0,S.t)(),this.body=i,this.listener=function(e){try{"abort"!==e.type||o.loadCaptureCalled||(o.params.aborted=!0),("load"!==e.type||o.called===o.totalCbs&&(o.onloadCalled||"function"!=typeof r.onload)&&"function"==typeof o.end)&&o.end(r)}catch(e){try{t.emit("internal-error",[e])}catch(e){}}};for(var s=0;s<de;s++)r.addEventListener(ue[s],this.listener,(0,A.jT)(!1))}function u(e,t,r){this.cbTime+=e,t?this.onloadCalled=!0:this.called+=1,this.called!==this.totalCbs||!this.onloadCalled&&"function"==typeof r.onload||"function"!=typeof this.end||this.end(r)}function d(e,t){var r=""+V(e)+!!t;this.xhrGuids&&!this.xhrGuids[r]&&(this.xhrGuids[r]=!0,this.totalCbs+=1)}function l(e,t){var r=""+V(e)+!!t;this.xhrGuids&&this.xhrGuids[r]&&(delete this.xhrGuids[r],this.totalCbs-=1)}function f(){this.endTime=(0,S.t)()}function h(e,r){r instanceof fe&&"load"===e[0]&&t.emit("xhr-load-added",[e[1],e[2]],r)}function g(e,r){r instanceof fe&&"load"===e[0]&&t.emit("xhr-load-removed",[e[1],e[2]],r)}function m(e,t,r){t instanceof fe&&("onload"===r&&(this.onload=!0),("load"===(e[0]&&e[0].type)||this.onload)&&(this.xhrCbStart=(0,S.t)()))}function v(e,r){this.xhrCbStart&&t.emit("xhr-cb-time",[(0,S.t)()-this.xhrCbStart,this.onload,r],r)}function b(e){var t,r=e[1]||{};if("string"==typeof e[0]?0===(t=e[0]).length&&p.RI&&(t=""+p.gm.location.href):e[0]&&e[0].url?t=e[0].url:p.gm?.URL&&e[0]&&e[0]instanceof URL?t=e[0].href:"function"==typeof e[0].toString&&(t=e[0].toString()),"string"==typeof t&&0!==t.length){t&&(this.parsedOrigin=(0,ie.D)(t),this.sameOrigin=this.parsedOrigin.sameOrigin);var i=n.generateTracePayload(this.parsedOrigin);if(i&&(i.newrelicHeader||i.traceContextParentHeader))if(e[0]&&e[0].headers)s(e[0].headers,i)&&(this.dt=i);else{var o={};for(var a in r)o[a]=r[a];o.headers=new Headers(r.headers||{}),s(o.headers,i)&&(this.dt=i),e.length>1?e[1]=o:e.push(o)}}function s(e,t){var r=!1;return t.newrelicHeader&&(e.set("newrelic",t.newrelicHeader),r=!0),t.traceContextParentHeader&&(e.set("traceparent",t.traceContextParentHeader),t.traceContextStateHeader&&e.set("tracestate",t.traceContextStateHeader),r=!0),r}}function y(e,t){this.params={},this.metrics={},this.startTime=(0,S.t)(),this.dt=t,e.length>=1&&(this.target=e[0]),e.length>=2&&(this.opts=e[1]);var r,n=this.opts||{},i=this.target;"string"==typeof i?r=i:"object"==typeof i&&i instanceof le?r=i.url:p.gm?.URL&&"object"==typeof i&&i instanceof URL&&(r=i.href),pe(this,r);var o=(""+(i&&i instanceof le&&i.method||n.method||"GET")).toUpperCase();this.params.method=o,this.body=n.body,this.txSize=G(n.body)||0}function w(e,t){if(this.endTime=(0,S.t)(),this.params||(this.params={}),(0,ce.iW)(this.params))return;let n;this.params.status=t?t.status:0,"string"==typeof this.rxSize&&this.rxSize.length>0&&(n=+this.rxSize);const i={txSize:this.txSize,rxSize:n,duration:(0,S.t)()-this.startTime};r("xhr",[this.params,i,this.startTime,this.endTime,"fetch"],this,a.K7.ajax)}function R(e){const t=this.params,n=this.metrics;if(!this.ended){this.ended=!0;for(let t=0;t<de;t++)e.removeEventListener(ue[t],this.listener,!1);t.aborted||(0,ce.iW)(t)||(n.duration=(0,S.t)()-this.startTime,this.loadCazptureCalled||4!==e.readyState?null==t.status&&(t.status=0):T(this,e),n.cbTime=this.cbTime,r("xhr",[t,n,this.startTime,this.endTime,"xhr"],this,a.K7.ajax))}}function T(e,r){e.params.status=r.status;var n=function(e,t){var r=e.responseType;return"json"===r&&null!==t?t:"arraybuffer"===r||"blob"===r||"json"===r?G(e.response):"text"===r||""===r||void 0===r?G(e.responseText):void 0}(r,e.lastSize);if(n&&(e.metrics.rxSize=n),e.sameOrigin){var i=r.getResponseHeader("X-NewRelic-App-Data");i&&((0,x.p)(O.rs,["Ajax/CrossApplicationTracing/Header/Seen"],void 0,a.K7.metrics,t),e.params.cat=i.split(", ").pop())}e.loadCaptureCalled=!0}t.on("new-xhr",i),t.on("open-xhr-start",o),t.on("open-xhr-end",s),t.on("send-xhr-start",c),t.on("xhr-cb-time",u),t.on("xhr-load-added",d),t.on("xhr-load-removed",l),t.on("xhr-resolved",f),t.on("addEventListener-end",h),t.on("removeEventListener-end",g),t.on("fn-end",v),t.on("fetch-before-start",b),t.on("fetch-start",y),t.on("fn-start",m),t.on("fetch-done",w)}(e,this.ee,this.handler,this.dt),this.importAggregator(e)}}function pe(e,t){var r=(0,ie.D)(t),n=e.params||e;n.hostname=r.hostname,n.port=r.port,n.protocol=r.protocol,n.host=r.hostname+":"+r.port,n.pathname=r.pathname,e.parsedOrigin=r,e.sameOrigin=r.sameOrigin}const ge={},me=["pushState","replaceState"];function ve(e){const t=function(e){return(e||B.ee).get("history")}(e);return!p.RI||ge[t.debugId]++||(ge[t.debugId]=1,(0,W.YM)(t).inPlace(window.history,me,"-")),t}var be=i(3738);const{He:ye,bD:we,d3:Re,Kp:xe,TZ:Te,Lc:Ae,uP:Ee,Rz:Se}=be;class Ne extends b{static featureName=Te;constructor(e,t=!0){super(e,Te,t);if(!(0,m.V)(this.agentIdentifier))return void this.deregisterDrain();const r=this.ee;let n;ve(r),this.eventsEE=(0,F.u)(r),this.eventsEE.on(Ee,(function(e,t){this.bstStart=(0,S.t)()})),this.eventsEE.on(Ae,(function(e,t){(0,x.p)("bst",[e[0],t,this.bstStart,(0,S.t)()],void 0,a.K7.sessionTrace,r)})),r.on(Se+Re,(function(e){this.time=(0,S.t)(),this.startPath=location.pathname+location.hash})),r.on(Se+xe,(function(e){(0,x.p)("bstHist",[location.pathname+location.hash,this.startPath,this.time],void 0,a.K7.sessionTrace,r)}));try{n=new PerformanceObserver((e=>{const t=e.getEntries();(0,x.p)(ye,[t],void 0,a.K7.sessionTrace,r)})),n.observe({type:we,buffered:!0})}catch(e){}this.importAggregator(e,{resourceObserver:n})}}var Oe=i(2614);class _e extends b{static featureName=t.TZ;#i;#o;constructor(e,r=!0){let n;super(e,t.TZ,r),this.replayRunning=!1,this.#o=e;try{n=JSON.parse(localStorage.getItem("".concat(Oe.H3,"_").concat(Oe.uh)))}catch(e){}(0,g.SR)(e.agentIdentifier)&&this.ee.on(t.G4.RECORD,(()=>this.#a())),this.#s(n)?(this.#i=n?.sessionReplayMode,this.#c()):this.importAggregator(e),this.ee.on("err",(e=>{this.replayRunning&&(this.errorNoticed=!0,(0,x.p)(t.G4.ERROR_DURING_REPLAY,[e],void 0,this.featureName,this.ee))})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.replayRunning=e}))}#s(e){return e&&(e.sessionReplayMode===Oe.g.FULL||e.sessionReplayMode===Oe.g.ERROR)||(0,g.Aw)(this.agentIdentifier)}#u=!1;async#c(e){if(!this.#u){this.#u=!0;try{const{Recorder:t}=await Promise.all([i.e(478),i.e(249)]).then(i.bind(i,8589));this.recorder??=new t({mode:this.#i,agentIdentifier:this.agentIdentifier,trigger:e,ee:this.ee}),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording}catch(e){}this.importAggregator(this.#o,{recorder:this.recorder,errorNoticed:this.errorNoticed})}}#a(){this.featAggregate?this.featAggregate.mode!==Oe.g.FULL&&this.featAggregate.initializeRecording(Oe.g.FULL,!0):(this.#i=Oe.g.FULL,this.#c(t.Qb.API),this.recorder&&this.recorder.parent.mode!==Oe.g.FULL&&(this.recorder.parent.mode=Oe.g.FULL,this.recorder.stopRecording(),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording))}}var Ie=i(3962);class je extends b{static featureName=Ie.TZ;constructor(e,t=!0){if(super(e,Ie.TZ,t),!p.RI||!(0,R.dV)().o.MO)return;const r=ve(this.ee);Ie.tC.forEach((e=>{(0,A.sp)(e,(e=>{a(e)}),!0)}));const n=()=>(0,x.p)("newURL",[(0,S.t)(),""+window.location],void 0,this.featureName,this.ee);r.on("pushState-end",n),r.on("replaceState-end",n);try{this.removeOnAbort=new AbortController}catch(e){}(0,A.sp)("popstate",(e=>(0,x.p)("newURL",[e.timeStamp,""+window.location],void 0,this.featureName,this.ee)),!0,this.removeOnAbort?.signal);let i=!1;const o=new((0,R.dV)().o.MO)(((e,t)=>{i||(i=!0,requestAnimationFrame((()=>{(0,x.p)("newDom",[(0,S.t)()],void 0,this.featureName,this.ee),i=!1})))})),a=(0,v.s)((e=>{(0,x.p)("newUIEvent",[e],void 0,this.featureName,this.ee),o.observe(document.body,{attributes:!0,childList:!0,subtree:!0,characterData:!0})}),100,{leading:!0});this.abortHandler=function(){this.removeOnAbort?.abort(),o.disconnect(),this.abortHandler=void 0},this.importAggregator(e,{domObserver:o})}}var Pe=i(7378);const Ce={},ke=["appendChild","insertBefore","replaceChild"];function Le(e){const t=function(e){return(e||B.ee).get("jsonp")}(e);if(!p.RI||Ce[t.debugId])return t;Ce[t.debugId]=!0;var r=(0,W.YM)(t),n=/[?&](?:callback|cb)=([^&#]+)/,i=/(.*)\.([^.]+)/,o=/^(\w+)(\.|$)(.*)$/;function a(e,t){if(!e)return t;const r=e.match(o),n=r[1];return a(r[3],t[n])}return r.inPlace(Node.prototype,ke,"dom-"),t.on("dom-start",(function(e){!function(e){if(!e||"string"!=typeof e.nodeName||"script"!==e.nodeName.toLowerCase())return;if("function"!=typeof e.addEventListener)return;var o=(s=e.src,c=s.match(n),c?c[1]:null);var s,c;if(!o)return;var u=function(e){var t=e.match(i);if(t&&t.length>=3)return{key:t[2],parent:a(t[1],window)};return{key:e,parent:window}}(o);if("function"!=typeof u.parent[u.key])return;var d={};function l(){t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,A.jT)(!1)),e.removeEventListener("error",f,(0,A.jT)(!1))}function f(){t.emit("jsonp-error",[],d),t.emit("jsonp-end",[],d),e.removeEventListener("load",l,(0,A.jT)(!1)),e.removeEventListener("error",f,(0,A.jT)(!1))}r.inPlace(u.parent,[u.key],"cb-",d),e.addEventListener("load",l,(0,A.jT)(!1)),e.addEventListener("error",f,(0,A.jT)(!1)),t.emit("new-jsonp",[e.src],d)}(e[0])})),t}const He={};function De(e){const t=function(e){return(e||B.ee).get("promise")}(e);if(He[t.debugId])return t;He[t.debugId]=!0;var r=t.context,n=(0,W.YM)(t),i=p.gm.Promise;return i&&function(){function e(r){var o=t.context(),a=n(r,"executor-",o,null,!1);const s=Reflect.construct(i,[a],e);return t.context(s).getCtx=function(){return o},s}p.gm.Promise=e,Object.defineProperty(e,"name",{value:"Promise"}),e.toString=function(){return i.toString()},Object.setPrototypeOf(e,i),["all","race"].forEach((function(r){const n=i[r];e[r]=function(e){let i=!1;[...e||[]].forEach((e=>{this.resolve(e).then(a("all"===r),a(!1))}));const o=n.apply(this,arguments);return o;function a(e){return function(){t.emit("propagate",[null,!i],o,!1,!1),i=i||!e}}}})),["resolve","reject"].forEach((function(r){const n=i[r];e[r]=function(e){const r=n.apply(this,arguments);return e!==r&&t.emit("propagate",[e,!0],r,!1,!1),r}})),e.prototype=i.prototype;const o=i.prototype.then;i.prototype.then=function(...e){var i=this,a=r(i);a.promise=i,e[0]=n(e[0],"cb-",a,null,!1),e[1]=n(e[1],"cb-",a,null,!1);const s=o.apply(this,e);return a.nextPromise=s,t.emit("propagate",[i,!0],s,!1,!1),s},i.prototype.then[W.Jt]=o,t.on("executor-start",(function(e){e[0]=n(e[0],"resolve-",this,null,!1),e[1]=n(e[1],"resolve-",this,null,!1)})),t.on("executor-err",(function(e,t,r){e[1](r)})),t.on("cb-end",(function(e,r,n){t.emit("propagate",[n,!0],this.nextPromise,!1,!1)})),t.on("propagate",(function(e,r,n){this.getCtx&&!r||(this.getCtx=function(){if(e instanceof Promise)var r=t.context(e);return r&&r.getCtx?r.getCtx():this})}))}(),t}const Me={},Ke="setTimeout",Ue="setInterval",Ve="clearTimeout",Ge="-start",Fe=[Ke,"setImmediate",Ue,Ve,"clearImmediate"];function Be(e){const t=function(e){return(e||B.ee).get("timer")}(e);if(Me[t.debugId]++)return t;Me[t.debugId]=1;var r=(0,W.YM)(t);return r.inPlace(p.gm,Fe.slice(0,2),Ke+"-"),r.inPlace(p.gm,Fe.slice(2,3),Ue+"-"),r.inPlace(p.gm,Fe.slice(3),Ve+"-"),t.on(Ue+Ge,(function(e,t,n){e[0]=r(e[0],"fn-",null,n)})),t.on(Ke+Ge,(function(e,t,n){this.method=n,this.timerDuration=isNaN(e[1])?0:+e[1],e[0]=r(e[0],"fn-",this,n)})),t}const We={};function ze(e){const t=function(e){return(e||B.ee).get("mutation")}(e);if(!p.RI||We[t.debugId])return t;We[t.debugId]=!0;var r=(0,W.YM)(t),n=p.gm.MutationObserver;return n&&(window.MutationObserver=function(e){return this instanceof n?new n(r(e,"fn-")):n.apply(this,arguments)},MutationObserver.prototype=n.prototype),t}const{TZ:qe,d3:Ze,Kp:Ye,$p:Xe,wW:Je,e5:Qe,tH:$e,uP:et,rw:tt,Lc:rt}=Pe;class nt extends b{static featureName=qe;constructor(e,t=!0){if(super(e,qe,t),!p.RI)return;try{this.removeOnAbort=new AbortController}catch(e){}let r,n=0;const i=this.ee.get("tracer"),o=Le(this.ee),a=De(this.ee),s=Be(this.ee),c=Z(this.ee),u=this.ee.get("events"),d=ne(this.ee),l=ve(this.ee),f=ze(this.ee);function h(e,t){l.emit("newURL",[""+window.location,t])}function g(){n++,r=window.location.hash,this[et]=(0,S.t)()}function m(){n--,window.location.hash!==r&&h(0,!0);var e=(0,S.t)();this[Qe]=~~this[Qe]+e-this[et],this[rt]=e}function v(e,t){e.on(t,(function(){this[t]=(0,S.t)()}))}this.ee.on(et,g),a.on(tt,g),o.on(tt,g),this.ee.on(rt,m),a.on(Je,m),o.on(Je,m),this.ee.on("fn-err",((...t)=>{t[2]?.__newrelic?.[e.agentIdentifier]||(0,x.p)("function-err",[...t],void 0,this.featureName,this.ee)})),this.ee.buffer([et,rt,"xhr-resolved"],this.featureName),u.buffer([et],this.featureName),s.buffer(["setTimeout"+Ye,"clearTimeout"+Ze,et],this.featureName),c.buffer([et,"new-xhr","send-xhr"+Ze],this.featureName),d.buffer([$e+Ze,$e+"-done",$e+Xe+Ze,$e+Xe+Ye],this.featureName),l.buffer(["newURL"],this.featureName),f.buffer([et],this.featureName),a.buffer(["propagate",tt,Je,"executor-err","resolve"+Ze],this.featureName),i.buffer([et,"no-"+et],this.featureName),o.buffer(["new-jsonp","cb-start","jsonp-error","jsonp-end"],this.featureName),v(d,$e+Ze),v(d,$e+"-done"),v(o,"new-jsonp"),v(o,"jsonp-end"),v(o,"cb-start"),l.on("pushState-end",h),l.on("replaceState-end",h),window.addEventListener("hashchange",h,(0,A.jT)(!0,this.removeOnAbort?.signal)),window.addEventListener("load",h,(0,A.jT)(!0,this.removeOnAbort?.signal)),window.addEventListener("popstate",(function(){h(0,n>1)}),(0,A.jT)(!0,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator(e)}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var it=i(3333);class ot extends b{static featureName=it.TZ;constructor(e,t=!0){super(e,it.TZ,t);const r=[e.init.page_action.enabled,e.init.performance.capture_marks,e.init.performance.capture_measures,e.init.user_actions.enabled];p.RI&&e.init.user_actions.enabled&&(it.Zp.forEach((e=>(0,A.sp)(e,(e=>(0,x.p)("ua",[e],void 0,this.featureName,this.ee)),!0))),it.qN.forEach((e=>(0,A.sp)(e,(e=>(0,x.p)("ua",[e],void 0,this.featureName,this.ee)))))),r.some((e=>e))?this.importAggregator(e):this.deregisterDrain()}}var at=i(993),st=i(3785);class ct extends b{static featureName=at.TZ;constructor(e,t=!0){super(e,at.TZ,t);const r=this.ee;this.ee.on("wrap-logger-end",(function([e]){const{level:t,customAttributes:n}=this;(0,st.R)(r,e,n,t)})),this.importAggregator(e)}}new class extends o{constructor(t,r){super(r),p.gm?(this.features={},(0,R.bQ)(this.agentIdentifier,this),this.desiredFeatures=new Set(t.features||[]),this.desiredFeatures.add(w),this.runSoftNavOverSpa=[...this.desiredFeatures].some((e=>e.featureName===a.K7.softNav)),(0,d.j)(this,t,t.loaderType||"agent"),this.run()):(0,e.R)(21)}get config(){return{info:this.info,init:this.init,loader_config:this.loader_config,runtime:this.runtime}}run(){try{const t=u(this.agentIdentifier),r=[...this.desiredFeatures];r.sort(((e,t)=>a.P3[e.featureName]-a.P3[t.featureName])),r.forEach((r=>{if(!t[r.featureName]&&r.featureName!==a.K7.pageViewEvent)return;if(this.runSoftNavOverSpa&&r.featureName===a.K7.spa)return;if(!this.runSoftNavOverSpa&&r.featureName===a.K7.softNav)return;const n=function(e){switch(e){case a.K7.ajax:return[a.K7.jserrors];case a.K7.sessionTrace:return[a.K7.ajax,a.K7.pageViewEvent];case a.K7.sessionReplay:return[a.K7.sessionTrace];case a.K7.pageViewTiming:return[a.K7.pageViewEvent];default:return[]}}(r.featureName).filter((e=>!(e in this.features)));n.length>0&&(0,e.R)(36,{targetFeature:r.featureName,missingDependencies:n}),this.features[r.featureName]=new r(this)}))}catch(t){(0,e.R)(22,t);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,R.Zm)();delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.features,delete this.sharedAggregator;return r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[he,w,N,Ne,_e,_,D,ot,ct,je,nt],loaderType:"spa"})})()})();</script> <meta name="viewport" content="width=device-width, minimum-scale=1, initial-scale=1" /> <link rel="shortcut icon" href="https://www.pewtrusts.org/-/media/files/favicon.ico"> <link rel="canonical" href="https://www.pewtrusts.org/en/projects/housing-policy-initiative"> <meta name="description" content="The Pew Charitable Trusts’ housing policy initiative works to help policymakers reimagine their approach to housing by illuminating how regulations and statutes drive the housing shortage and rising costs. " /> <meta name="servername" content="pew-prod-cd01" /> <meta name="title" content="Housing Policy Initiative" /> <meta name="keywords" content="Project,Pew Charitable Trusts,Alex Horowitz,Tara Roche,Travis Plunkett" /> <meta name="pageLanguage" content="en" /> <link rel="alternate" href="https://www.pewtrusts.org/en/projects/housing-policy-initiative" hreflang="en" /> <meta name="twitter:card" content="summary_large_image" /> <meta name="twitter:title" content="Housing Policy Initiative" /> <meta name="twitter:site" content="@pewtrusts" /> <meta name="twitter:creator" content="@pewtrusts" /> <meta name="twitter:domain" content="pewtrusts.org" /> <meta name="twitter:image" content="https://www.pewtrusts.org/-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580/gettyimages103923614jpg-retouchedjpgmaster/16x9_m.jpg" /> <meta property="og:type" content="website" /> <meta property="og:url" content="https://pew.org/3nOQQv0" /> <meta property="og:description" content="The Pew Charitable Trusts’ housing policy initiative works to help policymakers reimagine their approach to housing by illuminating how regulations and statutes drive the housing shortage and rising costs. " /> <meta property="og:title" content="Housing Policy Initiative" /> <meta property="og:image" content="https://www.pewtrusts.org/-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580/gettyimages103923614jpg-retouchedjpgmaster/16x9_m.jpg" /> <meta name="selshare:viatwitter" content ="@pewtrusts" /> <meta name="selshare:subject-suffix" content ="The Pew Charitable Trusts" /> <link href="/assets/pew/css/Pew-generated.css?v=638665945658133983" media="all" rel="stylesheet" /> <link href="/assets/pew/css/print-generated.css?v=638665945658133983" media="print" rel="stylesheet" />  <script> // Define dataLayer and the gtag function. window.dataLayer = window.dataLayer || []; function gtag() { dataLayer.push(arguments); } gtag('consent', 'default', { 'ad_storage': 'denied', 'analytics_storage': 'denied', 'functionality_storage': 'granted', 'security_storage' : 'granted', 'personalization_storage': 'denied', 'region': ['BE', 'BG', 'CZ', 'DK', 'DE', 'EE', 'IE', 'GR', 'ES', 'FR', 'HR', 'IT', 'CY', 'LV', 'LT', 'LU', 'HU', 'MT', 'NL', 'AT', 'PL', 'PT', 'RO', 'SI', 'SK', 'FI', 'SE'] }); gtag('consent', 'default', { 'ad_storage': 'granted', 'analytics_storage': 'granted', 'functionality_storage': 'granted', 'personalization_storage': 'granted', 'security_storage' : 'granted' }); (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-W2Z5TT'); </script>   <script> window.dataLayer = window.dataLayer || []; window.dataLayer.push({"legacyID":"JW28ZZML01","pageDate":"","project":"Housing Policy","mediaContact":"eberg@pewtrusts.org","topicsPlaces":"United States, Finance & Economy, Fiscal & Economic Policy, Family Finances","topics":"Finance & Economy, Fiscal & Economic Policy, Family Finances","places":"United States","siteSection":"Pew Trusts","templateType":"Project Page","taxonomyType":"Project","contentAndMediatypes":"Project","pageLanguage":"en","tags":"","data_mart_segments":"","data_mart_segment_ids":"","suggest_read_time_msec":"","sitecore_item_id":"a811f6ed-de0b-4432-9935-fae3126e0cb9"}); </script>   <script> window.dataLayer = window.dataLayer || []; window.dataLayer.push({"event":"Personalization Impressions","Personalization Impressions Data":[{"personalizedComponent":"Text Banner","personalizationCondition":"Default","personalizationContent":"/sitecore/content/PewTrusts_org/Home/Projects/Housing Policy Initiative/Components/Banners/Housing Month","personalizationRendering":null,"personalizationVisibleState":"Show"},{"personalizedComponent":"Multi Promo Container","personalizationCondition":"Default","personalizationContent":"/sitecore/content/PewTrusts_org/Home/Projects/Housing Policy Initiative/Components/Promos/Housing Month","personalizationRendering":null,"personalizationVisibleState":"Show"},{"personalizedComponent":"Multi Promo Container","personalizationCondition":"Default","personalizationContent":"/sitecore/content/PewTrusts_org/Home/Projects/Housing Policy Initiative/Components/Promos/Home Financing Double Promo","personalizationRendering":null,"personalizationVisibleState":"Show"}]}); </script>    <script src="https://cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="b3e0abab-c1b7-4fad-84fe-b4910c732174" ></script> <script type="text/javascript"> function OptanonWrapper() { } </script>  <meta name="VIcurrentDateTime" content="638689371865273638" /> <meta name="VirtualFolder" content="/" /> <script type="text/javascript" src="/layouts/system/VisitorIdentification.js"></script> <script type="application/ld+json"> {"name":"Housing Policy Initiative","description":"The Pew Charitable Trusts’ housing policy initiative works to help policymakers reimagine their approach to housing by illuminating how regulations and statutes drive the housing shortage and rising costs. ","publisher":{"@type":"Organization","name":"The Pew Charitable Trusts"},"@context":"https://schema.org","@type":"WebPage"} </script> </head> <body class="" style="">  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-W2Z5TT" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <header class="global-header" aria-label="Site header"> <div class="skip-navigation"> <a href="#main-content" class="skip-navigation__wrapper u-visuallyhidden focusable js-skip-navigation">Skip to main content</a> </div> <div class="global-header__desktop"> <div class="container container-wide--100 is-adjacent"> <div class="container__col"> <div class="container__inner"> <div class="global-header__top"> <div class="global-header__top-left"> <div class="site-logo"> <a href="/"> <svg version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" x="0" y="0" viewBox="0 0 215 88" xml:space="preserve"> <path fill="currentColor" d="M190.5 25.7v2.9h13.7l-13.7 36.3-16-39.2h-1.4l-14.4 39.5-13.4-36.6h13.1v-2.9h-34.2v2.9h5.9L153 85.5h1.5L169 46.6l15.9 38.9h1.4l21.2-56.9h5.5v-2.9zM117.3 31.1c-4.8-4.4-11.3-6.6-19.4-6.6-5.7 0-10.7 1.3-15 4-4.3 2.7-7.7 6.4-10.1 11.2-2.4 4.8-3.6 10.4-3.6 16.7 0 6 1.2 11.3 3.7 15.8 2.5 4.6 5.9 8.1 10.3 10.6s9.4 3.7 14.9 3.7c6.9 0 12.6-2 17.2-5.9 4-3.4 7.1-8.3 9.2-14.6l-2.8-.7c-1.5 4.7-3.5 8.4-6.1 10.9-3.5 3.3-6.2 4.4-10.9 4.4-6.2 0-11.1-2.6-14.8-7.9-3.5-5.1-5.3-12.1-5.4-21h40c.3-6.5-.5-14.2-7.2-20.6zm-8.2 17.8H84.6c.4-6.1 1.4-11.3 3.1-14.8 1.8-3.7 5.5-6.8 10.1-6.8s7.7 3.2 9.2 6.8c1.6 3.8 2.1 8.6 2.1 14.8zM41 1.4H2v2.9h10v78.3H1.9v2.9h37.7v-2.9H27.2V47.1H41c16.4 0 28.7-8.4 28.7-22.9S57.3 1.4 41 1.4zM27.2 4.3h10.5c6.8 0 15.1 4 15.1 20.2 0 17.8-10.1 19.8-16.7 19.8h-8.9v-40z"/> </svg> </a> </div> </div> <div class="global-header__top-right"> <nav class="primary-nav js-primary-nav" aria-label="primary"> <div class="primary-nav__menu-wrap js-menu"> <ul class="primary-nav__menu" role="menubar"> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <a href="/en/topics" class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu1-trigger" aria-haspopup="true" aria-controls="menu1" aria-expanded="false">Topics</a> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container-wide--100" role="none presentation"> <ul class="primary-nav__topics-menu" role="menu" aria-labelledby="menu0-trigger" aria-orientation="vertical"> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#communities" class="js-primary-nav-sub-link" role="menuitem" >Communities</a> <ul aria-label="Communities" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/arts-and-culture" class="js-primary-nav-sub-link" role="menuitem" >Arts & Culture</a></li> <li role="none presentation"><a href="/en/topics/higher-education" class="js-primary-nav-sub-link" role="menuitem" >Higher Education</a></li> <li role="none presentation"><a href="/en/projects/supporting-the-greater-philadelphia-area" class="js-primary-nav-sub-link" role="menuitem" >Philadelphia</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#conservation" class="js-primary-nav-sub-link" role="menuitem" >Conservation</a> <ul aria-label="Conservation" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/land" class="js-primary-nav-sub-link" role="menuitem" >Land Conservation</a></li> <li role="none presentation"><a href="/en/topics/oceans" class="js-primary-nav-sub-link" role="menuitem" >Ocean Conservation</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#finance-economy" class="js-primary-nav-sub-link" role="menuitem" >Finance & Economy</a> <ul aria-label="Finance & Economy" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/economic-mobility" class="js-primary-nav-sub-link" role="menuitem" >Economic Mobility</a></li> <li role="none presentation"><a href="/en/topics/family-finances" class="js-primary-nav-sub-link" role="menuitem" >Family Finances</a></li> <li role="none presentation"><a href="/en/topics/fiscal-and-economic-policy" class="js-primary-nav-sub-link" role="menuitem" >Fiscal & Economic Policy</a></li> <li role="none presentation"><a href="/en/topics/retirement" class="js-primary-nav-sub-link" role="menuitem" >Retirement</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#governing" class="js-primary-nav-sub-link" role="menuitem" >Governing</a> <ul aria-label="Governing" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/infrastructure" class="js-primary-nav-sub-link" role="menuitem" >Infrastructure</a></li> <li role="none presentation"><a href="/en/topics/us-policy" class="js-primary-nav-sub-link" role="menuitem" >U.S. Policy</a></li> <li role="none presentation"><a href="/en/topics/us-state-policy" class="js-primary-nav-sub-link" role="menuitem" >U.S. State Policy</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#health" class="js-primary-nav-sub-link" role="menuitem" >Health</a> <ul aria-label="Health" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/antibiotics" class="js-primary-nav-sub-link" role="menuitem" >Antibiotics</a></li> <li role="none presentation"><a href="/en/topics/behavioral-health" class="js-primary-nav-sub-link" role="menuitem" >Behavioral Health</a></li> <li role="none presentation"><a href="/en/topics/biomedical-research" class="js-primary-nav-sub-link" role="menuitem" >Biomedical Research</a></li> <li role="none presentation"><a href="/en/topics/health-care" class="js-primary-nav-sub-link" role="menuitem" >Health Care</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#trends" class="js-primary-nav-sub-link" role="menuitem" >Trends</a> <ul aria-label="Trends" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/global-trends" class="js-primary-nav-sub-link" role="menuitem" >Global Trends</a></li> <li role="none presentation"><a href="/en/topics/hispanics" class="js-primary-nav-sub-link" role="menuitem" >Hispanics</a></li> <li role="none presentation"><a href="/en/topics/internet-and-tech" class="js-primary-nav-sub-link" role="menuitem" >Internet & Tech</a></li> <li role="none presentation"><a href="/en/topics/media-and-news" class="js-primary-nav-sub-link" role="menuitem" >Media & News</a></li> <li role="none presentation"><a href="/en/topics/religion" class="js-primary-nav-sub-link" role="menuitem" >Religion</a></li> <li role="none presentation"><a href="/en/topics/social-trends" class="js-primary-nav-sub-link" role="menuitem" >Social & Demographic Trends</a></li> <li role="none presentation"><a href="/en/topics/us-politics" class="js-primary-nav-sub-link" role="menuitem" >U.S. Politics</a></li> </ul> <a href="/en/topics" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" role="menuitem" > <div class="primary-nav__view-all-topics-text"> <span>View all Topics</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" /> </svg> </div> </a> </li> </ul> </div> </div> </li> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <a href="/en/projects" class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu2-trigger" aria-haspopup="true" aria-controls="menu2" aria-expanded="false">Projects</a> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container-wide--100" role="none presentation"> <ul class="primary-nav__topics-menu" role="menu" aria-labelledby="menu0-trigger" aria-orientation="vertical"> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#communities" class="js-primary-nav-sub-link" role="menuitem" >Communities</a> <ul aria-label="Communities" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/courts-and-communities" class="js-primary-nav-sub-link" role="menuitem" >Courts & Communities</a></li> <li role="none presentation"><a href="/en/projects/supporting-the-greater-philadelphia-area" class="js-primary-nav-sub-link" role="menuitem" >Philadelphia</a></li> <li role="none presentation"><a href="/en/projects/philadelphia-research-and-policy-initiative" class="js-primary-nav-sub-link" role="menuitem" >Philadelphia Research and Policy</a></li> <li role="none presentation"><a href="/en/projects/student-loans" class="js-primary-nav-sub-link" role="menuitem" >Student Loans</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#conservation" class="js-primary-nav-sub-link" role="menuitem" >Conservation</a> <ul aria-label="Conservation" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/advancing-coastal-wetlands-conservation" class="js-primary-nav-sub-link" role="menuitem" >Advancing Coastal Wetlands Conservation</a></li> <li role="none presentation"><a href="/en/projects/chilean-patagonia" class="js-primary-nav-sub-link" role="menuitem" >Chilean Patagonia</a></li> <li role="none presentation"><a href="/en/projects/conservation-canada" class="js-primary-nav-sub-link" role="menuitem" >Conservation Canada</a></li> <li role="none presentation"><a href="/en/projects/conserving-the-pantanal-and-gran-chaco-of-south-america" class="js-primary-nav-sub-link" role="menuitem" >Conserving the Pantanal and Gran Chaco</a></li> <li role="none presentation"><a href="/en/projects/energy-modernization" class="js-primary-nav-sub-link" role="menuitem" >Energy Modernization</a></li> <li role="none presentation"><a href="/en/projects/international-fisheries" class="js-primary-nav-sub-link" role="menuitem" >International Fisheries</a></li> <li role="none presentation"><a href="/en/projects/marine-fellows" class="js-primary-nav-sub-link" role="menuitem" >Marine Fellows</a></li> <li role="none presentation"><a href="/en/projects/ocean-governance" class="js-primary-nav-sub-link" role="menuitem" >Ocean Governance</a></li> <li role="none presentation"><a href="/en/projects/pew-bertarelli-ocean-legacy" class="js-primary-nav-sub-link" role="menuitem" >Pew Bertarelli Ocean Legacy</a></li> <li role="none presentation"><a href="/en/projects/preventing-ocean-plastics" class="js-primary-nav-sub-link" role="menuitem" >Preventing Ocean Plastics</a></li> <li role="none presentation"><a href="/en/projects/protecting-australias-nature" class="js-primary-nav-sub-link" role="menuitem" >Protecting Australia's Nature</a></li> <li role="none presentation"><a href="/en/projects/us-conservation" class="js-primary-nav-sub-link" role="menuitem" >U.S. Conservation</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#finance-economy" class="js-primary-nav-sub-link" role="menuitem" >Finance & Economy</a> <ul aria-label="Finance & Economy" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/housing-policy-initiative" class="js-primary-nav-sub-link" role="menuitem" >Housing Policy</a></li> <li role="none presentation"><a href="/en/projects/retirement-savings" class="js-primary-nav-sub-link" role="menuitem" >Retirement Savings</a></li> <li role="none presentation"><a href="/en/projects/state-fiscal-policy" class="js-primary-nav-sub-link" role="menuitem" >State Fiscal Policy</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#governing" class="js-primary-nav-sub-link" role="menuitem" >Governing</a> <ul aria-label="Governing" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/broadband-access-initiative" class="js-primary-nav-sub-link" role="menuitem" >Broadband Access</a></li> <li role="none presentation"><a href="/en/projects/managing-fiscal-risks" class="js-primary-nav-sub-link" role="menuitem" >Managing Fiscal Risks</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#health" class="js-primary-nav-sub-link" role="menuitem" >Health</a> <ul aria-label="Health" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/antibiotic-resistance-project" class="js-primary-nav-sub-link" role="menuitem" >Antibiotic Resistance</a></li> <li role="none presentation"><a href="/en/projects/biomedical-research" class="js-primary-nav-sub-link" role="menuitem" >Biomedical Research</a></li> <li role="none presentation"><a href="/en/projects/mental-health-and-justice-partnerships" class="js-primary-nav-sub-link" role="menuitem" >Mental Health and Justice Partnerships</a></li> <li role="none presentation"><a href="/en/projects/public-health-data-improvement" class="js-primary-nav-sub-link" role="menuitem" >Public Health Data Improvement</a></li> <li role="none presentation"><a href="/en/projects/state-health-solutions" class="js-primary-nav-sub-link" role="menuitem" >State Health Solutions</a></li> <li role="none presentation"><a href="/en/projects/substance-use-prevention-and-treatment-initiative" class="js-primary-nav-sub-link" role="menuitem" >Substance Use Prevention and Treatment</a></li> <li role="none presentation"><a href="/en/projects/suicide-risk-reduction-project" class="js-primary-nav-sub-link" role="menuitem" >Suicide Risk Reduction</a></li> </ul> <a href="/en/projects" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" role="menuitem" > <div class="primary-nav__view-all-topics-text"> <span>View all Projects</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" /> </svg> </div> </a> </li> </ul> </div> </div> </li> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <a href="/en/trust/archive/winter-2024/indigenous-leadership-protects-canadas-boreal-forest" class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu3-trigger" aria-haspopup="true" aria-controls="menu3" aria-expanded="false">Features</a> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container-wide--100" role="none presentation"> <div class="primary-nav__submenu-wrapper" role="none presentation"> <div class="primary-nav__link-list" role="menu"> <div class="primary-nav__link-list-col primary-nav__link-list-col-1" role="none presentation"> <a href="/en/trust/archive/winter-2024/indigenous-leadership-protects-canadas-boreal-forest" class="js-primary-nav-sub-link" role="menuitem" >Features</a> <ul aria-label="Features" role="menu"> <li role="none presentation"><a href="/en/trust" title="Trust Magazine" role="menuitem" >Trust Magazine</a></li> <li role="none presentation"><a href="/en/trend" role="menuitem" >Trend Magazine</a></li> </ul> </div> <div class="primary-nav__link-list-col primary-nav__link-list-col-2" role="none presentation"> <ul aria-label="Features" role="menu"> <li role="none presentation"><a href="/en/research-and-analysis/articles/2017/01/after-the-fact" role="menuitem" >After The Fact Podcast</a></li> <li role="none presentation"><a href="/en/about/celebrating-75-years" role="menuitem" >Celebrating 75 Years</a></li> </ul> </div> <a href="/en/trust/archive/winter-2024/indigenous-leadership-protects-canadas-boreal-forest" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" > <div class="primary-nav__view-all-topics-text"> <span>Features</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round"></path> </svg> </div> </a></div> <div class="primary-nav__features-wrapper u-clearfix" role="none presentation" data-sitecore-component-name="Primary Navigation Promo" data-sitecore-data-source=""> <div class="global-feature is-left" role="none presentation"> <div class="global-feature__content u-color-pair" style="color: #FFFFFF" role="none presentation"> <div class="global-feature__content-typedate-wrapper"> <span class="global-feature__content-type">Trust Magazine</span> <span class="global-feature__content-date">May 29, 2024</span> </div> <h2 class="global-feature__title js-make-clickable" id="d5df86a4-8f2f-4273-aca4-e56a22f752e0" data-location="/en/trust/archive/spring-2024/the-high-cost-of-putting-a-roof-over-your-head">The High Cost of Putting a Roof Over Your Head</h2> <div class="global-feature__description">A record housing shortage and skyrocketing rents and home prices mean millions of Americans now struggle to afford housing.</div> <a href="/en/trust/archive/spring-2024/the-high-cost-of-putting-a-roof-over-your-head" class="global-feature__cta" aria-labelledby="d5df86a4-8f2f-4273-aca4-e56a22f752e0" role="menuitem"> <span>Dive Deeper</span> <svg focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" /> </svg> </a> </div> <div class="global-feature__media-wrapper"> <figure class="global-feature__media"> <picture class="global-feature__picture js-make-clickable" data-location="/en/trust/archive/spring-2024/the-high-cost-of-putting-a-roof-over-your-head"> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=676&hash=DAA8F84546327DB3BD6FF0106B654370 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=1351&hash=43AC65B04531279EB325CFBDBF160819 2x" media="(min-width: 56.9375em)" /> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=462&hash=59E976CE50579AE16AE73B68F080AE42 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=924&hash=CDA665C5726667691250DEDACA863F79 2x" media="(min-width: 29.4375em)" /> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=462&hash=59E976CE50579AE16AE73B68F080AE42 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=924&hash=CDA665C5726667691250DEDACA863F79 2x" media="(max-width: 29.375em)" /> <img src="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?la=en&h=676&w=676&hash=DC42EE033C0BA4499C06DE5B474FDC1A" alt="" /> </picture> <figcaption class="u-visuallyhidden">A record housing shortage and skyrocketing rents and home prices mean millions of Americans now struggle to afford housing.</figcaption> </figure> <div class="global-feature__overlay" style=""></div> </div> </div> </div> </div> </div> </div> </li> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <a href="/en/about" class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu4-trigger" aria-haspopup="true" aria-controls="menu4" aria-expanded="false">About</a> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container-wide--100" role="none presentation"> <div class="primary-nav__submenu-wrapper" role="none presentation"> <div class="primary-nav__link-list" role="menu"> <div class="primary-nav__link-list-col primary-nav__link-list-col-1" role="none presentation"> <a href="/en/about" class="js-primary-nav-sub-link" role="menuitem" >About</a> <ul aria-label="About" role="menu"> <li role="none presentation"><a href="/en/about/mission-and-values" role="menuitem" >Mission & Values</a></li> <li role="none presentation"><a href="/en/about/how-we-work" role="menuitem" >How We Work</a></li> <li role="none presentation"><a href="/en/about/history" role="menuitem" >History</a></li> <li role="none presentation"><a href="/en/about/leadership" role="menuitem" >Leadership</a></li> <li role="none presentation"><a href="/en/about/experts" role="menuitem" >Experts</a></li> <li role="none presentation"><a href="/en/about/news-room" role="menuitem" >News Room</a></li> <li role="none presentation"><a href="/en/about/events" role="menuitem" >Events</a></li> </ul> </div> <div class="primary-nav__link-list-col primary-nav__link-list-col-2" role="none presentation"> <ul aria-label="About" role="menu"> <li role="none presentation"><a href="/en/about/careers" role="menuitem" >Careers</a></li> <li role="none presentation"><a href="/en/about/diversity-equity-and-inclusion" role="menuitem" >Diversity, Equity, and Inclusion</a></li> <li role="none presentation"><a href="/en/about/accountability" role="menuitem" >Accountability</a></li> <li role="none presentation"><a href="/en/about/philanthropic-partnerships" role="menuitem" >Partnerships</a></li> <li role="none presentation"><a href="/en/about/contact-us" role="menuitem" >Contact Us</a></li> <li role="none presentation"><a href="http://www.pewresearch.org/" class="link-item__external" target="_blank" rel="noopener noreferrer" role="menuitem" >Pew Research Center</a></li> </ul> </div> <a href="/en/about" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" > <div class="primary-nav__view-all-topics-text"> <span>About</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round"></path> </svg> </div> </a></div> <div class="primary-nav__features-wrapper u-clearfix" role="none presentation" data-sitecore-component-name="Primary Navigation Promo" data-sitecore-data-source=""> <div class="global-feature is-left" role="none presentation"> <div class="global-feature__content u-color-pair" style="color: #FFFFFF" role="none presentation"> <div class="global-feature__content-typedate-wrapper"> <span class="global-feature__content-type">Trust Magazine</span> <span class="global-feature__content-date">May 29, 2024</span> </div> <h2 class="global-feature__title js-make-clickable" id="e5a14c5f-b045-42b3-a1f1-47551b2f45df" data-location="/en/trust/archive/spring-2024/the-digital-divide">The Digital Divide</h2> <div class="global-feature__description">High-speed internet is a staple of everyday life, but many Americans don’t have access to it because no network reaches them—or they can’t afford to pay.</div> <a href="/en/trust/archive/spring-2024/the-digital-divide" class="global-feature__cta" aria-labelledby="e5a14c5f-b045-42b3-a1f1-47551b2f45df" role="menuitem"> <span>Explore Now</span> <svg focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" /> </svg> </a> </div> <div class="global-feature__media-wrapper"> <figure class="global-feature__media"> <picture class="global-feature__picture js-make-clickable" data-location="/en/trust/archive/spring-2024/the-digital-divide"> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/broadband/broadband_thumbnail1x1.jpg?mw=676&hash=716EE5C58896C807CEF83D0A13ECEBE6 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/broadband/broadband_thumbnail1x1.jpg?mw=1351&hash=4CB5339F5425E913892E2F97D6DEEDAB 2x" media="(min-width: 56.9375em)" /> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/broadband/broadband_thumbnail1x1.jpg?mw=462&hash=02DFCC18FE35131E4788F6FD8ED7FE9A 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/broadband/broadband_thumbnail1x1.jpg?mw=924&hash=9A3A5E6105798AB681216DD3174C381A 2x" media="(min-width: 29.4375em)" /> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/broadband/broadband_thumbnail1x1.jpg?mw=462&hash=02DFCC18FE35131E4788F6FD8ED7FE9A 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/broadband/broadband_thumbnail1x1.jpg?mw=924&hash=9A3A5E6105798AB681216DD3174C381A 2x" media="(max-width: 29.375em)" /> <img src="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/broadband/broadband_thumbnail1x1.jpg?la=en&h=676&w=676&hash=F5A266A80467BF356E7E03D2C0E366F1" alt="" /> </picture> <figcaption class="u-visuallyhidden">High-speed internet is a staple of everyday life, but many Americans don’t have access to it because no network reaches them—or they can’t afford to pay.</figcaption> </figure> <div class="global-feature__overlay" style=""></div> </div> </div> </div> </div> </div> </div> </li> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <a href="/en/get-involved" class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu5-trigger" aria-haspopup="true" aria-controls="menu5" aria-expanded="false">Get Involved</a> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container-wide--100" role="none presentation"> <div class="primary-nav__submenu-wrapper" role="none presentation"> <div class="primary-nav__link-list" role="menu"> <div class="primary-nav__link-list-col primary-nav__link-list-col-1" role="none presentation"> <a href="/en/get-involved" class="js-primary-nav-sub-link" role="menuitem" >Get Involved</a> <ul aria-label="Get Involved" role="menu"> <li role="none presentation"><a href="https://cloud.pewtrusts.org/pewsignup" target="_blank" rel="noopener noreferrer" role="menuitem" >Sign Up</a></li> <li role="none presentation"><a href="/en/get-involved/action-alerts" role="menuitem" >Take Action</a></li> <li role="none presentation"><a href="/en/get-involved/rss-feeds" role="menuitem" >RSS Feeds</a></li> </ul> </div> <div class="primary-nav__link-list-col primary-nav__link-list-col-2" role="none presentation"> <ul aria-label="Get Involved" role="menu"> <li role="none presentation"><a href="/en/get-involved/social-media-page" role="menuitem" >Follow Us</a></li> <li role="none presentation"><a href="/en/about/philanthropic-partnerships" role="menuitem" >Partner with Us</a></li> </ul> </div> <a href="/en/get-involved" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" > <div class="primary-nav__view-all-topics-text"> <span>Get Involved</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round"></path> </svg> </div> </a></div> <div class="primary-nav__features-wrapper u-clearfix" role="none presentation" data-sitecore-component-name="Primary Navigation Promo" data-sitecore-data-source=""> <div class="global-feature global-feature--overlay" role="none presentation"> <div class="global-feature__content u-color-pair" style="color: #FFFFFF" role="none presentation"> <h2 class="global-feature__title js-make-clickable" id="afa7344c-bf4b-4f3e-b2fc-1901ddd9a5d1" data-location="https://www.instagram.com/pewtrusts/">Follow Pew on Instagram</h2> <div class="global-feature__description">Sharing charts, maps, and more to show who Americans are, how policy affects the everyday, and how we can use data to make a difference. Nonpartisan forever.</div> </div> <div class="global-feature__media-wrapper"> <figure class="global-feature__media"> <picture class="global-feature__picture js-make-clickable" data-location="https://www.instagram.com/pewtrusts/"> <source srcset="/-/media/post-launch-images/2022/06/johnmarkarnoldunsplash_16x9.jpg?mw=676&hash=E5CBF52F62B847190CBDA95E3AE3E6D8 1x, /-/media/post-launch-images/2022/06/johnmarkarnoldunsplash_16x9.jpg?mw=1351&hash=8402AC6B1A3FEA2CB5B19492BB5C52B8 2x" media="(min-width: 56.9375em)" /> <source srcset="/-/media/post-launch-images/2022/06/johnmarkarnoldunsplash_16x9.jpg?mw=462&hash=5B872E559254255E9780455C98EA1B64 1x, /-/media/post-launch-images/2022/06/johnmarkarnoldunsplash_16x9.jpg?mw=924&hash=543D1C6EA9C20B37872BCDF8A3F10E51 2x" media="(min-width: 29.4375em)" /> <source srcset="/-/media/post-launch-images/2022/06/johnmarkarnoldunsplash_16x9.jpg?mw=462&hash=5B872E559254255E9780455C98EA1B64 1x, /-/media/post-launch-images/2022/06/johnmarkarnoldunsplash_16x9.jpg?mw=924&hash=543D1C6EA9C20B37872BCDF8A3F10E51 2x" media="(max-width: 29.375em)" /> <img src="/-/media/post-launch-images/2022/06/johnmarkarnoldunsplash_16x9.jpg?la=en&h=381&w=676&hash=8424D6A96C3A514DE5EF36186C2AF016" alt="Two hands reaching out from a crowd with a phone to record someone on stage." /> </picture> <figcaption class="u-visuallyhidden">Sharing charts, maps, and more to show who Americans are, how policy affects the everyday, and how we can use data to make a difference. Nonpartisan forever.</figcaption> </figure> <div class="global-feature__overlay" style=""></div> </div> </div> </div> </div> </div> </div> </li> </ul> </div> </nav> <form action="/en/search" aria-label="Quick search" class="search-box quick-search-box" method="post" novalidate="" role="search"> <div class="search-box__input"> <input id="SearchPageUrl" name="SearchPageUrl" type="hidden" value="/en/search" /> <label class="u-visuallyhidden" for="keyword-37b7200a-6f69-436e-a400-4ab2e9f5fe8d">Search</label> <input autocomplete="off" class="js-quick-search-input" id="keyword-37b7200a-6f69-436e-a400-4ab2e9f5fe8d" name="Keyword" placeholder="Search" type="search" value="" /> <button type="button" class="search-box__clear-and-close js-quick-search-clear-and-close" aria-label="clear and close"> <svg focusable="false" role="img" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 24 24" width="24" height="24"><path d="M18.98 6.42L13.4 12 19 17.58l-1.4 1.4L12 13.4 6.42 19l-1.4-1.4L10.6 12 5 6.42l1.4-1.4L12 10.6 17.58 5z"/></svg> </button> <button type="submit" class="search-box__button"> <svg id="Layer_1" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 165.67 164.76"> <defs> <style> .cls-1{fill:currentColor} </style> </defs> <path class="cls-1" d="M69.73 139.46C31.28 139.46 0 108.18 0 69.73S31.28 0 69.73 0s69.73 31.28 69.73 69.73-31.28 69.73-69.73 69.73Zm0-125.46C39 14 14 39 14 69.73s25 55.73 55.73 55.73 55.73-25 55.73-55.73S100.46 14 69.73 14Z"/> <path class="cls-1" d="M158.67 164.76c-1.79 0-3.58-.68-4.95-2.05l-44.28-44.28a7.007 7.007 0 0 1 0-9.9 7.007 7.007 0 0 1 9.9 0l44.28 44.28a7.007 7.007 0 0 1 0 9.9 6.973 6.973 0 0 1-4.95 2.05Z"/> </svg> </button> </div> </form> </div> </div> </div> </div> </div> </div> <div class="global-header__mobile">  <div class="site-logo"> <a href="/"> <svg version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" x="0" y="0" viewBox="0 0 215 88" xml:space="preserve"> <path fill="currentColor" d="M190.5 25.7v2.9h13.7l-13.7 36.3-16-39.2h-1.4l-14.4 39.5-13.4-36.6h13.1v-2.9h-34.2v2.9h5.9L153 85.5h1.5L169 46.6l15.9 38.9h1.4l21.2-56.9h5.5v-2.9zM117.3 31.1c-4.8-4.4-11.3-6.6-19.4-6.6-5.7 0-10.7 1.3-15 4-4.3 2.7-7.7 6.4-10.1 11.2-2.4 4.8-3.6 10.4-3.6 16.7 0 6 1.2 11.3 3.7 15.8 2.5 4.6 5.9 8.1 10.3 10.6s9.4 3.7 14.9 3.7c6.9 0 12.6-2 17.2-5.9 4-3.4 7.1-8.3 9.2-14.6l-2.8-.7c-1.5 4.7-3.5 8.4-6.1 10.9-3.5 3.3-6.2 4.4-10.9 4.4-6.2 0-11.1-2.6-14.8-7.9-3.5-5.1-5.3-12.1-5.4-21h40c.3-6.5-.5-14.2-7.2-20.6zm-8.2 17.8H84.6c.4-6.1 1.4-11.3 3.1-14.8 1.8-3.7 5.5-6.8 10.1-6.8s7.7 3.2 9.2 6.8c1.6 3.8 2.1 8.6 2.1 14.8zM41 1.4H2v2.9h10v78.3H1.9v2.9h37.7v-2.9H27.2V47.1H41c16.4 0 28.7-8.4 28.7-22.9S57.3 1.4 41 1.4zM27.2 4.3h10.5c6.8 0 15.1 4 15.1 20.2 0 17.8-10.1 19.8-16.7 19.8h-8.9v-40z"/> </svg> </a> </div> <div class="global-header__search-menu-wrapper">   <div class="search-menu js-mobile-search-menu" role="search" aria-label="Global"> <button type="button" class="search-menu__button js-mobile-search-menu-button" aria-label="open search menu"> <svg class="search-menu__toggle" role="img" aria-hidden="true" focusable="false" width="20" height="20" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> <use xlink:href="#search-a" transform="translate(1.11 1.11)" fill="currentColor"></use> <use xlink:href="#search-b" transform="translate(13.33 13.333)" fill="currentColor"></use> <defs> <path id="search-a" d="M7.22 15.44c4.54 0 8.22-3.68 8.22-8.22h-2c0 3.44-2.78 6.22-6.22 6.22v2zm8.22-8.22C15.44 2.68 11.76-1 7.22-1v2c3.44 0 6.22 2.8 6.22 6.22h2zM7.22-1C2.68-1-1 2.68-1 7.22h2C1 3.8 3.8 1 7.22 1v-2zM-1 7.22c0 4.54 3.68 8.22 8.22 8.22v-2C3.8 13.44 1 10.66 1 7.22h-2z"></path> <path id="search-b" d="M1.26-.15c-.4-.4-1.02-.4-1.4 0-.4.4-.4 1.02 0 1.4l1.4-1.4zM4.3 5.7c.38.4 1.02.4 1.4 0 .4-.38.4-1.02 0-1.4L4.3 5.7zM-.16 1.27L4.3 5.7l1.4-1.4L1.27-.16l-1.4 1.4z"></path> </defs> </svg> </button> <div class="search-menu__drop-down js-mobile-search-menu-content"> <form action="/en/search" class="search-box quick-search-box" method="post" novalidate=""> <div class="search-box__input"> <input id="SearchPageUrl" name="SearchPageUrl" type="hidden" value="/en/search" /> <label class="u-visuallyhidden" for="Keyword" id="keyword-3b809016-332f-4e63-8fb0-bfd6070e626f">Search</label> <input autocomplete="off" class="js-mobile-search-input" id="keyword-3b809016-332f-4e63-8fb0-bfd6070e626f" name="Keyword" placeholder="Search" type="text" value="" /> <button type="button" class="search-box__clear-and-close js-mobile-search-clear-and-close" aria-label="clear and close"> <svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 24 24" width="24" height="24"><path d="M18.98 6.42L13.4 12 19 17.58l-1.4 1.4L12 13.4 6.42 19l-1.4-1.4L10.6 12 5 6.42l1.4-1.4L12 10.6 17.58 5z" /></svg> </button> <button type="submit" class="search-box__button"> <span class="u-visuallyhidden">Submit Search</span> <svg aria-hidden="true" focusable="false" viewBox="0 0 20 20" width="20" height="20" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> <use xlink:href="#search2-a" transform="translate(1.11 1.11)"></use> <use xlink:href="#search2-b" transform="translate(13.33 13.333)"></use> <defs> <path id="search2-a" d="M7.22 15.44c4.54 0 8.22-3.68 8.22-8.22h-2c0 3.44-2.78 6.22-6.22 6.22v2zm8.22-8.22C15.44 2.68 11.76-1 7.22-1v2c3.44 0 6.22 2.8 6.22 6.22h2zM7.22-1C2.68-1-1 2.68-1 7.22h2C1 3.8 3.8 1 7.22 1v-2zM-1 7.22c0 4.54 3.68 8.22 8.22 8.22v-2C3.8 13.44 1 10.66 1 7.22h-2z"></path> <path id="search2-b" d="M1.26-.15c-.4-.4-1.02-.4-1.4 0-.4.4-.4 1.02 0 1.4l1.4-1.4zM4.3 5.7c.38.4 1.02.4 1.4 0 .4-.38.4-1.02 0-1.4L4.3 5.7zM-.16 1.27L4.3 5.7l1.4-1.4L1.27-.16l-1.4 1.4z"></path> </defs> </svg> </button> </div> </form> </div> </div> <nav class="mobile-menu js-mobile-menu"> <button type="button" aria-label="toggle mobile menu" class="nav-toggle js-nav-toggle"> <span class="nav-toggle__hamburger-icon"> <svg role="img" aria-hidden="true" focusable="false" width="22" height="22" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"><use xlink:href="#navtoggle-a" transform="translate(2.5 3)" fill="currentColor"></use><use xlink:href="#navtoggle-a" transform="translate(2.5 10)" fill="currentColor"></use><use xlink:href="#navtoggle-a" transform="translate(2.5 17)" fill="currentColor"></use><defs><path id="navtoggle-a" d="M0 0c-.55 0-1 .45-1 1s.45 1 1 1V0zm17 2c.55 0 1-.45 1-1s-.45-1-1-1v2zM0 2h17V0H0v2z"></path></defs></svg> </span> <span class="nav-toggle__close-icon"> <svg role="img" aria-hidden="true" focusable="false" width="22" height="22" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="m4 4 14 14M4 18 18 4" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" /> </svg> </span> </button> <div class="mobile-menu__drop-down js-mobile-menu-content"> <div class="primary-nav js-primary-nav" aria-label="primary" role="menu"> <ul class="primary-nav__menu" role="menubar" aria-orientation="vertical"> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <button class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu1-trigger" aria-haspopup="true" aria-controls="menu1" aria-expanded="false"> <span>Topics</span> <svg aria-hidden="true" focusable="false" width="20" height="13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="m2 2.037 8 8.148M18 2.037l-8 8.148" stroke="#fff" stroke-linecap="round" stroke-linejoin="round" /> </svg> </button> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container--100" role="none presentation"> <ul class="primary-nav__topics-menu" role="menu" aria-labelledby="menu1-trigger" aria-orientation="vertical"> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#communities" class="js-primary-nav-sub-link" role="menuitem" >Communities</a> <ul aria-label="Communities" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/arts-and-culture" class="js-primary-nav-sub-link" role="menuitem" >Arts & Culture</a></li> <li role="none presentation"><a href="/en/topics/higher-education" class="js-primary-nav-sub-link" role="menuitem" >Higher Education</a></li> <li role="none presentation"><a href="/en/projects/supporting-the-greater-philadelphia-area" class="js-primary-nav-sub-link" role="menuitem" >Philadelphia</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#conservation" class="js-primary-nav-sub-link" role="menuitem" >Conservation</a> <ul aria-label="Conservation" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/land" class="js-primary-nav-sub-link" role="menuitem" >Land Conservation</a></li> <li role="none presentation"><a href="/en/topics/oceans" class="js-primary-nav-sub-link" role="menuitem" >Ocean Conservation</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#finance-economy" class="js-primary-nav-sub-link" role="menuitem" >Finance & Economy</a> <ul aria-label="Finance & Economy" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/economic-mobility" class="js-primary-nav-sub-link" role="menuitem" >Economic Mobility</a></li> <li role="none presentation"><a href="/en/topics/family-finances" class="js-primary-nav-sub-link" role="menuitem" >Family Finances</a></li> <li role="none presentation"><a href="/en/topics/fiscal-and-economic-policy" class="js-primary-nav-sub-link" role="menuitem" >Fiscal & Economic Policy</a></li> <li role="none presentation"><a href="/en/topics/retirement" class="js-primary-nav-sub-link" role="menuitem" >Retirement</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#governing" class="js-primary-nav-sub-link" role="menuitem" >Governing</a> <ul aria-label="Governing" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/infrastructure" class="js-primary-nav-sub-link" role="menuitem" >Infrastructure</a></li> <li role="none presentation"><a href="/en/topics/us-policy" class="js-primary-nav-sub-link" role="menuitem" >U.S. Policy</a></li> <li role="none presentation"><a href="/en/topics/us-state-policy" class="js-primary-nav-sub-link" role="menuitem" >U.S. State Policy</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#health" class="js-primary-nav-sub-link" role="menuitem" >Health</a> <ul aria-label="Health" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/antibiotics" class="js-primary-nav-sub-link" role="menuitem" >Antibiotics</a></li> <li role="none presentation"><a href="/en/topics/behavioral-health" class="js-primary-nav-sub-link" role="menuitem" >Behavioral Health</a></li> <li role="none presentation"><a href="/en/topics/biomedical-research" class="js-primary-nav-sub-link" role="menuitem" >Biomedical Research</a></li> <li role="none presentation"><a href="/en/topics/health-care" class="js-primary-nav-sub-link" role="menuitem" >Health Care</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/topics#trends" class="js-primary-nav-sub-link" role="menuitem" >Trends</a> <ul aria-label="Trends" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/topics/global-trends" class="js-primary-nav-sub-link" role="menuitem" >Global Trends</a></li> <li role="none presentation"><a href="/en/topics/hispanics" class="js-primary-nav-sub-link" role="menuitem" >Hispanics</a></li> <li role="none presentation"><a href="/en/topics/internet-and-tech" class="js-primary-nav-sub-link" role="menuitem" >Internet & Tech</a></li> <li role="none presentation"><a href="/en/topics/media-and-news" class="js-primary-nav-sub-link" role="menuitem" >Media & News</a></li> <li role="none presentation"><a href="/en/topics/religion" class="js-primary-nav-sub-link" role="menuitem" >Religion</a></li> <li role="none presentation"><a href="/en/topics/social-trends" class="js-primary-nav-sub-link" role="menuitem" >Social & Demographic Trends</a></li> <li role="none presentation"><a href="/en/topics/us-politics" class="js-primary-nav-sub-link" role="menuitem" >U.S. Politics</a></li> </ul> <a href="/en/topics" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" role="menuitem" > <div class="primary-nav__view-all-topics-text"> <span>View all Topics</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" /> </svg> </div> </a> </li> </ul> </div> </div> </li> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <button class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu2-trigger" aria-haspopup="true" aria-controls="menu2" aria-expanded="false"> <span>Projects</span> <svg aria-hidden="true" focusable="false" width="20" height="13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="m2 2.037 8 8.148M18 2.037l-8 8.148" stroke="#fff" stroke-linecap="round" stroke-linejoin="round" /> </svg> </button> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container--100" role="none presentation"> <ul class="primary-nav__topics-menu" role="menu" aria-labelledby="menu2-trigger" aria-orientation="vertical"> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#communities" class="js-primary-nav-sub-link" role="menuitem" >Communities</a> <ul aria-label="Communities" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/courts-and-communities" class="js-primary-nav-sub-link" role="menuitem" >Courts & Communities</a></li> <li role="none presentation"><a href="/en/projects/supporting-the-greater-philadelphia-area" class="js-primary-nav-sub-link" role="menuitem" >Philadelphia</a></li> <li role="none presentation"><a href="/en/projects/philadelphia-research-and-policy-initiative" class="js-primary-nav-sub-link" role="menuitem" >Philadelphia Research and Policy</a></li> <li role="none presentation"><a href="/en/projects/student-loans" class="js-primary-nav-sub-link" role="menuitem" >Student Loans</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#conservation" class="js-primary-nav-sub-link" role="menuitem" >Conservation</a> <ul aria-label="Conservation" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/advancing-coastal-wetlands-conservation" class="js-primary-nav-sub-link" role="menuitem" >Advancing Coastal Wetlands Conservation</a></li> <li role="none presentation"><a href="/en/projects/chilean-patagonia" class="js-primary-nav-sub-link" role="menuitem" >Chilean Patagonia</a></li> <li role="none presentation"><a href="/en/projects/conservation-canada" class="js-primary-nav-sub-link" role="menuitem" >Conservation Canada</a></li> <li role="none presentation"><a href="/en/projects/conserving-the-pantanal-and-gran-chaco-of-south-america" class="js-primary-nav-sub-link" role="menuitem" >Conserving the Pantanal and Gran Chaco</a></li> <li role="none presentation"><a href="/en/projects/energy-modernization" class="js-primary-nav-sub-link" role="menuitem" >Energy Modernization</a></li> <li role="none presentation"><a href="/en/projects/international-fisheries" class="js-primary-nav-sub-link" role="menuitem" >International Fisheries</a></li> <li role="none presentation"><a href="/en/projects/marine-fellows" class="js-primary-nav-sub-link" role="menuitem" >Marine Fellows</a></li> <li role="none presentation"><a href="/en/projects/ocean-governance" class="js-primary-nav-sub-link" role="menuitem" >Ocean Governance</a></li> <li role="none presentation"><a href="/en/projects/pew-bertarelli-ocean-legacy" class="js-primary-nav-sub-link" role="menuitem" >Pew Bertarelli Ocean Legacy</a></li> <li role="none presentation"><a href="/en/projects/preventing-ocean-plastics" class="js-primary-nav-sub-link" role="menuitem" >Preventing Ocean Plastics</a></li> <li role="none presentation"><a href="/en/projects/protecting-australias-nature" class="js-primary-nav-sub-link" role="menuitem" >Protecting Australia's Nature</a></li> <li role="none presentation"><a href="/en/projects/us-conservation" class="js-primary-nav-sub-link" role="menuitem" >U.S. Conservation</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#finance-economy" class="js-primary-nav-sub-link" role="menuitem" >Finance & Economy</a> <ul aria-label="Finance & Economy" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/housing-policy-initiative" class="js-primary-nav-sub-link" role="menuitem" >Housing Policy</a></li> <li role="none presentation"><a href="/en/projects/retirement-savings" class="js-primary-nav-sub-link" role="menuitem" >Retirement Savings</a></li> <li role="none presentation"><a href="/en/projects/state-fiscal-policy" class="js-primary-nav-sub-link" role="menuitem" >State Fiscal Policy</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#governing" class="js-primary-nav-sub-link" role="menuitem" >Governing</a> <ul aria-label="Governing" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/broadband-access-initiative" class="js-primary-nav-sub-link" role="menuitem" >Broadband Access</a></li> <li role="none presentation"><a href="/en/projects/managing-fiscal-risks" class="js-primary-nav-sub-link" role="menuitem" >Managing Fiscal Risks</a></li> </ul> </li> <li class="primary-nav__topics-col" role="none presentation"> <a href="/en/projects#health" class="js-primary-nav-sub-link" role="menuitem" >Health</a> <ul aria-label="Health" role="menu" aria-orientation="vertical"> <li role="none presentation"><a href="/en/projects/antibiotic-resistance-project" class="js-primary-nav-sub-link" role="menuitem" >Antibiotic Resistance</a></li> <li role="none presentation"><a href="/en/projects/biomedical-research" class="js-primary-nav-sub-link" role="menuitem" >Biomedical Research</a></li> <li role="none presentation"><a href="/en/projects/mental-health-and-justice-partnerships" class="js-primary-nav-sub-link" role="menuitem" >Mental Health and Justice Partnerships</a></li> <li role="none presentation"><a href="/en/projects/public-health-data-improvement" class="js-primary-nav-sub-link" role="menuitem" >Public Health Data Improvement</a></li> <li role="none presentation"><a href="/en/projects/state-health-solutions" class="js-primary-nav-sub-link" role="menuitem" >State Health Solutions</a></li> <li role="none presentation"><a href="/en/projects/substance-use-prevention-and-treatment-initiative" class="js-primary-nav-sub-link" role="menuitem" >Substance Use Prevention and Treatment</a></li> <li role="none presentation"><a href="/en/projects/suicide-risk-reduction-project" class="js-primary-nav-sub-link" role="menuitem" >Suicide Risk Reduction</a></li> </ul> <a href="/en/projects" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" role="menuitem" > <div class="primary-nav__view-all-topics-text"> <span>View all Projects</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" /> </svg> </div> </a> </li> </ul> </div> </div> </li> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <button class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu3-trigger" aria-haspopup="true" aria-controls="menu3" aria-expanded="false"> <span>Features</span> <svg aria-hidden="true" focusable="false" width="20" height="13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="m2 2.037 8 8.148M18 2.037l-8 8.148" stroke="#fff" stroke-linecap="round" stroke-linejoin="round" /> </svg> </button> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container--100" role="none presentation"> <div class="primary-nav__submenu-wrapper" role="none presentation"> <div class="primary-nav__link-list" role="menu"> <div class="primary-nav__link-list-col primary-nav__link-list-col-1" role="none presentation"> <a href="/en/trust/archive/winter-2024/indigenous-leadership-protects-canadas-boreal-forest" class="js-primary-nav-sub-link" role="menuitem" >Features</a> <ul aria-label="Features" role="menu"> <li role="none presentation"><a href="/en/trust" title="Trust Magazine" role="menuitem" >Trust Magazine</a></li> <li role="none presentation"><a href="/en/trend" role="menuitem" >Trend Magazine</a></li> </ul> </div> <div class="primary-nav__link-list-col primary-nav__link-list-col-2" role="none presentation"> <ul aria-label="Features" role="menu"> <li role="none presentation"><a href="/en/research-and-analysis/articles/2017/01/after-the-fact" role="menuitem" >After The Fact Podcast</a></li> <li role="none presentation"><a href="/en/about/celebrating-75-years" role="menuitem" >Celebrating 75 Years</a></li> </ul> </div> <a href="/en/trust/archive/winter-2024/indigenous-leadership-protects-canadas-boreal-forest" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" > <div class="primary-nav__view-all-topics-text"> <span>Features</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round"></path> </svg> </div> </a></div> </div> </div> </div> </li> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <button class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu4-trigger" aria-haspopup="true" aria-controls="menu4" aria-expanded="false"> <span>About</span> <svg aria-hidden="true" focusable="false" width="20" height="13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="m2 2.037 8 8.148M18 2.037l-8 8.148" stroke="#fff" stroke-linecap="round" stroke-linejoin="round" /> </svg> </button> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container--100" role="none presentation"> <div class="primary-nav__submenu-wrapper" role="none presentation"> <div class="primary-nav__link-list" role="menu"> <div class="primary-nav__link-list-col primary-nav__link-list-col-1" role="none presentation"> <a href="/en/about" class="js-primary-nav-sub-link" role="menuitem" >About</a> <ul aria-label="About" role="menu"> <li role="none presentation"><a href="/en/about/mission-and-values" role="menuitem" >Mission & Values</a></li> <li role="none presentation"><a href="/en/about/how-we-work" role="menuitem" >How We Work</a></li> <li role="none presentation"><a href="/en/about/history" role="menuitem" >History</a></li> <li role="none presentation"><a href="/en/about/leadership" role="menuitem" >Leadership</a></li> <li role="none presentation"><a href="/en/about/experts" role="menuitem" >Experts</a></li> <li role="none presentation"><a href="/en/about/news-room" role="menuitem" >News Room</a></li> <li role="none presentation"><a href="/en/about/events" role="menuitem" >Events</a></li> </ul> </div> <div class="primary-nav__link-list-col primary-nav__link-list-col-2" role="none presentation"> <ul aria-label="About" role="menu"> <li role="none presentation"><a href="/en/about/careers" role="menuitem" >Careers</a></li> <li role="none presentation"><a href="/en/about/diversity-equity-and-inclusion" role="menuitem" >Diversity, Equity, and Inclusion</a></li> <li role="none presentation"><a href="/en/about/accountability" role="menuitem" >Accountability</a></li> <li role="none presentation"><a href="/en/about/philanthropic-partnerships" role="menuitem" >Partnerships</a></li> <li role="none presentation"><a href="/en/about/contact-us" role="menuitem" >Contact Us</a></li> <li role="none presentation"><a href="http://www.pewresearch.org/" class="link-item__external" target="_blank" rel="noopener noreferrer" role="menuitem" >Pew Research Center</a></li> </ul> </div> <a href="/en/about" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" > <div class="primary-nav__view-all-topics-text"> <span>About</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round"></path> </svg> </div> </a></div> </div> </div> </div> </li> <li class="primary-nav__item js-primary-nav-menu has-submenu js-has-submenu " role="none presentation"> <button class="primary-nav__main-nav-link js-primary-nav-top-link" role="menuitem" id="menu5-trigger" aria-haspopup="true" aria-controls="menu5" aria-expanded="false"> <span>Get Involved</span> <svg aria-hidden="true" focusable="false" width="20" height="13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="m2 2.037 8 8.148M18 2.037l-8 8.148" stroke="#fff" stroke-linecap="round" stroke-linejoin="round" /> </svg> </button> <div class="primary-nav__submenu js-submenu" role="none presentation"> <div class="container--100" role="none presentation"> <div class="primary-nav__submenu-wrapper" role="none presentation"> <div class="primary-nav__link-list" role="menu"> <div class="primary-nav__link-list-col primary-nav__link-list-col-1" role="none presentation"> <a href="/en/get-involved" class="js-primary-nav-sub-link" role="menuitem" >Get Involved</a> <ul aria-label="Get Involved" role="menu"> <li role="none presentation"><a href="https://cloud.pewtrusts.org/pewsignup" target="_blank" rel="noopener noreferrer" role="menuitem" >Sign Up</a></li> <li role="none presentation"><a href="/en/get-involved/action-alerts" role="menuitem" >Take Action</a></li> <li role="none presentation"><a href="/en/get-involved/rss-feeds" role="menuitem" >RSS Feeds</a></li> </ul> </div> <div class="primary-nav__link-list-col primary-nav__link-list-col-2" role="none presentation"> <ul aria-label="Get Involved" role="menu"> <li role="none presentation"><a href="/en/get-involved/social-media-page" role="menuitem" >Follow Us</a></li> <li role="none presentation"><a href="/en/about/philanthropic-partnerships" role="menuitem" >Partner with Us</a></li> </ul> </div> <a href="/en/get-involved" class="primary-nav__view-all-topics-link js-primary-nav-sub-link" > <div class="primary-nav__view-all-topics-text"> <span>Get Involved</span> <svg class="primary-nav__view-all-topics-arrow" focusable="false" role="img" aria-hidden="true" width="16" height="18" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <path d="M2.667 8.86h12M10.32 4.268l4.347 4.591M10.32 13.45l4.347-4.59" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round"></path> </svg> </div> </a></div> </div> </div> </div> </li> </ul> </div> </div> </nav> </div> </div> </header> <div class="main-content js-main-primary" id="main-content"> <section class="container container--bleed has-color u-color-pair " id="Container-33f1bf98-5c85-45db-9462-69ecd974c66d" style="background-color:#333333;"> <div class="container__col container__col--bleed"> <div class="page-banner js-dynamic-banner " style="" id-"@Model.RenderingParameters.Unique_ID"> <img class="page-banner__image-overlay" src="data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=" style="background-image: linear-gradient(to bottom,transparent 0, 60%,rgba(0,0,0,.25) 70%,rgba(0,0,0,.5) 80%,rgba(0,0,0,.7) 90%,rgba(0,0,0,1) 100%)"> <div class="page-banner__inner"> <div class="page-banner__image"> <picture> <source srcset="/-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580.jpg?mw=2580&hash=41FE39BE4E853A7A316E7229E2B43DE6 1x, /-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580.jpg?mw=5660&hash=BA180F02FC5CAB9F261F16964AEC9500 2x" media="(min-width: 80.6875em)" /> <source srcset="/-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580.jpg?mw=1290&hash=47BF506CD1E2612DFED2F2534DEC5583 1x, /-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580.jpg?mw=2680&hash=CF2E5DB5EC3D829571CDA5EA3E59D5C5 2x" media="(min-width: 56.9375em)" /> <source srcset="/-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580.jpg?mw=910&hash=C8D50435F2672E26B5A1AF0BA9831B04 1x, /-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580.jpg?mw=1820&hash=992C8AD94C3A55C469BA30FFE285BE85 2x" media="(min-width: 29.4375em)" /> <source srcset="/-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580.jpg?mw=470&hash=7D987EBA8E7FE1252D3AD4EEA88C0FD6 1x, /-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580.jpg?mw=940&hash=ABBE9FAF7E7C88B98764546C30A7AFC3 2x" media="(max-width: 29.375em)" /> <img src="/-/media/images/branding-and-banners/projects/active_new/gettyimages103923614jpg2580.jpg?la=en&h=876&w=2580&hash=10523B244FDE763D53820911493AF2F7" class="js-banner-media" alt="" /> </picture> </div> <div class="page-banner__text u-color-pair" style="color: #FFFFFF;"> <span class="page-banner__eyebrow">Project</span> <h1 id="banner-e6440fb5-6fd7-492a-9f93-81526bc495dd" class="page-banner__title">Housing Policy Initiative</h1> <div class="page-banner__details"> </div> </div> </div> </div> <div class="page-toolbar__wrapper" id=""> <div class="page-toolbar"> <div class="container container--100"> <div class="page-toolbar__action-items"> <div class="page-toolbar__selector page-toolbar__share "> <span class="page-toolbar__selector-title">Share</span> <svg class="page-toolbar__selector-icon page-toolbar__selector-icon--share" viewBox="0 0 10 11" xmlns="http://www.w3.org/2000/svg"><g transform="translate(-4 -4)" fill="none" fill-rule="evenodd"><g stroke-linecap="round" stroke-linejoin="round"><path d="M8.9444444 11.1300001L8.9399996 4" /><path d="M5.0555556 9.5555556V14h7.7777777V9.5931575" /><path d="M6.1666667 6.7777778L8.9444444 4" /><path d="M11.7222222 6.7777778L8.9444444 4" /></g></g></svg> <div class="toolbar-callout" data-component="Share"> <a target="_blank" href="https://twitter.com/intent/tweet?text=Housing%20Policy%20Initiative&url=https%3A%2F%2Fpew.org%2F3nOQQv0&via=pewtrusts" class="xdbpe" data-xdbpe="92FCAB40-D585-426F-95A5-452E948A19A1" aria-label="Twitter"> Twitter <svg role="img" viewBox="0 0 8 6" class="toolbar-callout__social-icon" xmlns="http://www.w3.org/2000/svg"> <title>Twitter</title> <path stroke="none" d="M7.2 1.5v.2c0 2-1.7 4.3-4.7 4.3A5 5 0 0 1 0 5.3h.4c.8 0 1.5-.2 2-.6-.7 0-1.3-.5-1.5-1a1.9 1.9 0 0 0 .7 0C1 3.4.3 2.8.3 2l.8.2C.6 2 .3 1.6.3 1 .3.8.4.5.6.3a5 5 0 0 0 3.3 1.6v-.4C3.9.7 4.6 0 5.5 0c.5 0 1 .2 1.2.5.4 0 .8-.2 1-.4 0 .4-.3.7-.6.8.3 0 .6 0 .9-.2l-.8.8z" fill-rule="evenodd"/> </svg> </a> <a target="_blank" href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fpew.org%2F3nOQQv0&t=Housing%20Policy%20Initiative" class="xdbpe" data-xdbpe="92FCAB40-D585-426F-95A5-452E948A19A1" aria-label="Facebook"> Facebook <svg role="img" viewBox="0 0 4 8" class="toolbar-callout__social-icon" xmlns="http://www.w3.org/2000/svg"> <title>Facebook</title> <path stroke="none" d="M1.3.4A2 2 0 0 1 2.6 0H4v1.4H3l-.4.3v1H4L3.8 4H2.6v4H1V4H0V2.6h1V1.3c0-.3.2-.7.4-.9z"/> </svg> </a> <a target="_blank" href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fpew.org%2F3nOQQv0&title=Housing%20Policy%20Initiative&summary=&source=PewTrusts.org" class="xdbpe" data-xdbpe="92FCAB40-D585-426F-95A5-452E948A19A1" aria-label="LinkedIn"> LinkedIn <svg role="img" viewBox="0 0 8 8" class="toolbar-callout__social-icon" xmlns="http://www.w3.org/2000/svg"> <title>LinkedIn</title> <path stroke="none" d="M8 4.9V8H6.3V5.1C6.3 4.4 6 4 5.4 4c-.5 0-.7.3-.9.6V8H2.8V2.6h1.7v.8c.2-.4.6-1 1.5-1 1.2 0 2 .8 2 2.5zM1 0C.4 0 0 .4 0 1c0 .5.4.9 1 .9s1-.4 1-1C2 .4 1.5 0 1 0zM0 8h1.7V2.6H.1V8z"/> </svg> </a> <a href="/cdn-cgi/l/email-protection#c1feb2b4a3aba4a2b5fc89aeb4b2a8afa6e4f3f191aeada8a2b8e4f3f188afa8b5a8a0b5a8b7a4e7a0acb1faa3aea5b8fca9b5b5b1b2e4f280e4f387e4f387b1a4b6efaeb3a6e4f387f2af8e9090b7f1" class="xdbpe" data-xdbpe="92FCAB40-D585-426F-95A5-452E948A19A1" aria-label="Email"> Email <svg role="img" viewBox="0 0 10 8" class="toolbar-callout__social-icon" xmlns="http://www.w3.org/2000/svg"> <title>Email</title> <g transform="translate(-1 -2)" fill="none" fill-rule="evenodd"><rect x="2" y="3" width="8" height="6" rx="1"/><path d="M6 6.5l2.5-2" stroke-linecap="round" stroke-linejoin="round"/><path d="M3.5 4.5l2.5 2" stroke-linecap="round" stroke-linejoin="round"/></g> </svg> </a> <a href="javascript:window.print();" class="xdbpe" data-xdbpe="FF65F8A2-F924-48B4-981A-C8FB6D8AA316" aria-label="Print"> Print <svg role="img" class="toolbar-callout__social-icon" viewBox="0 0 10 10" xmlns="http://www.w3.org/2000/svg"> <title>Print</title> <g fill="none" fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"><path d="M1 .5h8v9H1v-9z"/><path d="M3 3h4"/><path d="M3 5h4"/><path d="M3 7h4"/></g> </svg> </a> </div> </div><div class="share-bar-mobile"> <div class="share-bar-mobile__bottom-bar"> <div class="share-bar-mobile__item js-mobile-share"> <button class="share-bar-mobile__btn js-mobile-share-btn">Share</button> <div class="share-bar-mobile__menu-wrapper"> <div class="share-bar-mobile__menu-top"> <span>Share</span> <button class="share-bar-mobile__close-btn js-mobile-share-close"> <svg width="12" height="12" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="m7.095 6 4.155 4.155v1.095h-1.095L6 7.095 1.845 11.25H.75v-1.095L4.905 6 .75 1.845V.75h1.095L6 4.905 10.155.75h1.095v1.095L7.095 6Z" fill="currentColor" /></svg> </button> </div> <ul class="share-bar-mobile__menu share-bar-mobile__share-menu js-mobile-share-content"> <li> <a href="https://twitter.com/intent/tweet?text=Housing%20Policy%20Initiative&url=https%3A%2F%2Fpew.org%2F3nOQQv0&via=pewtrusts" class="share-bar-mobile__menu-item js-mobile-share-link"> <svg width="24" height="24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M22.46 6c-.77.35-1.6.58-2.46.69.88-.53 1.56-1.37 1.88-2.38-.83.5-1.75.85-2.72 1.05C18.37 4.5 17.26 4 16 4c-2.35 0-4.27 1.92-4.27 4.29 0 .34.04.67.11.98C8.28 9.09 5.11 7.38 3 4.79c-.37.63-.58 1.37-.58 2.15 0 1.49.75 2.81 1.91 3.56-.71 0-1.37-.2-1.95-.5v.03c0 2.08 1.48 3.82 3.44 4.21a4.22 4.22 0 0 1-1.93.07 4.28 4.28 0 0 0 4 2.98 8.521 8.521 0 0 1-5.33 1.84c-.34 0-.68-.02-1.02-.06C3.44 20.29 5.7 21 8.12 21 16 21 20.33 14.46 20.33 8.79c0-.19 0-.37-.01-.56.84-.6 1.56-1.36 2.14-2.23Z" fill="currentColor" /></svg> <span>Twitter</span> </a> </li> <li> <a href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fpew.org%2F3nOQQv0&title=Housing%20Policy%20Initiative&summary=&source=PewTrusts.org" class="share-bar-mobile__menu-item js-mobile-share-link"> <svg width="24" height="24" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#a)" fill="currentColor"><path d="M4.983 4.196a2.188 2.188 0 1 0 0-4.376 2.188 2.188 0 0 0 0 4.376ZM9.237 5.855v12.139h3.769V11.99c0-1.584.298-3.118 2.262-3.118 1.937 0 1.961 1.81 1.961 3.218v5.904H21v-6.657c0-3.27-.704-5.783-4.526-5.783-1.835 0-3.065 1.007-3.568 1.96h-.051v-1.66H9.237Zm-6.142 0H6.87v12.139H3.095V5.854Z" /></g><defs><clipPath id="a"><path fill="currentColor" d="M0 0h24v24H0z" /></clipPath></defs></svg> <span>LinkedIn</span> </a> </li> <li> <a href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fpew.org%2F3nOQQv0&t=Housing%20Policy%20Initiative" class="share-bar-mobile__menu-item js-mobile-share-link"> <svg width="24" height="24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M9.198 21.5h4v-8.01h3.604l.396-3.98h-4V7.5a1 1 0 0 1 1-1h3v-4h-3a5 5 0 0 0-5 5v2.01h-2l-.396 3.98h2.396v8.01Z" fill="currentColor" /></svg> <span>Facebook</span> </a> </li> <li> <a href="/cdn-cgi/l/email-protection#80bff3f5e2eae5e3f4bdc8eff5f3e9eee7a5b2b0d0efece9e3f9a5b2b0c9eee9f4e9e1f4e9f6e5a6e1edf0bbe2efe4f9bde8f4f4f0f3a5b3c1a5b2c6a5b2c6f0e5f7aeeff2e7a5b2c6b3eecfd1d1f6b0" class="share-bar-mobile__menu-item js-mobile-share-link"> <svg width="24" height="24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M22 4H2v16h20V4Zm-2 4-8 5-8-5V6l8 5 8-5v2Z" fill="currentColor" /></svg> <span>Email</span> </a> </li> <li> <a href="javascript:window.print();" class="share-bar-mobile__menu-item js-mobile-share-link"> <svg width="24" height="24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 3H6v4h12V3Zm1 9a1 1 0 1 1 0-2 1 1 0 0 1 0 2Zm-3 7H8v-5h8v5Zm3-11H5a3 3 0 0 0-3 3v6h4v4h12v-4h4v-6a3 3 0 0 0-3-3Z" fill="currentColor" /></svg> <span>Print</span> </a> </li> </ul> </div> </div> </div> </div> <div class="page-toolbar__selector"> <span class="page-toolbar__selector-title">Follow</span> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100" class="page-toolbar__selector-icon"><path d="M26.258 64.949a8.78 8.78 0 0 0-8.78 8.784 8.782 8.782 0 1 0 17.564 0 8.78 8.78 0 0 0-8.784-8.784z" /><path d="M23.536 40.801c-.046 0-.09.006-.135.007v-.007h-3.464v.039a3.437 3.437 0 0 0-3.056 3.344h-.007v6.159h.041a3.43 3.43 0 0 0 3.021 3.002v.039H23.4v-.048c.045.001.09.007.135.007 12.772 0 23.173 10.321 23.311 23.061h-.033v3.464h.039a3.437 3.437 0 0 0 3.344 3.056v.007h6.158v-.041a3.43 3.43 0 0 0 3.002-3.021h.039v-3.464h-.006c-.137-19.657-16.166-35.604-35.853-35.604z" /><path d="M83.119 76.403C82.98 43.664 56.308 17.07 23.536 17.07c-.046 0-.09.006-.135.007v-.007h-3.464v.039a3.437 3.437 0 0 0-3.056 3.344h-.007v6.159h.041a3.429 3.429 0 0 0 3.021 3.002v.039H23.4v-.048c.045.001.09.007.135.007 25.857 0 46.902 20.967 47.041 46.792h-.035v3.464h.039a3.437 3.437 0 0 0 3.344 3.056v.007h6.159v-.041a3.43 3.43 0 0 0 3.002-3.021h.039v-3.464h-.005z" /></svg> <div class="toolbar-callout" data-component="Follow"> <a href="https://www.pewtrusts.org/en/sitecore/content/global-configuration/taxonomy/projects/housing-policy?feed=rss" class="social-follow__link xdbpe" target="_blank" rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" >RSS <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100" class="toolbar-callout__social-icon"><path d="M26.258 64.949a8.78 8.78 0 0 0-8.78 8.784 8.782 8.782 0 1 0 17.564 0 8.78 8.78 0 0 0-8.784-8.784z" /><path d="M23.536 40.801c-.046 0-.09.006-.135.007v-.007h-3.464v.039a3.437 3.437 0 0 0-3.056 3.344h-.007v6.159h.041a3.43 3.43 0 0 0 3.021 3.002v.039H23.4v-.048c.045.001.09.007.135.007 12.772 0 23.173 10.321 23.311 23.061h-.033v3.464h.039a3.437 3.437 0 0 0 3.344 3.056v.007h6.158v-.041a3.43 3.43 0 0 0 3.002-3.021h.039v-3.464h-.006c-.137-19.657-16.166-35.604-35.853-35.604z" /><path d="M83.119 76.403C82.98 43.664 56.308 17.07 23.536 17.07c-.046 0-.09.006-.135.007v-.007h-3.464v.039a3.437 3.437 0 0 0-3.056 3.344h-.007v6.159h.041a3.429 3.429 0 0 0 3.021 3.002v.039H23.4v-.048c.045.001.09.007.135.007 25.857 0 46.902 20.967 47.041 46.792h-.035v3.464h.039a3.437 3.437 0 0 0 3.344 3.056v.007h6.159v-.041a3.43 3.43 0 0 0 3.002-3.021h.039v-3.464h-.005z" /></svg> </a> </div> </div>  </div>  <div class="local-navigation local-navigation--section-nav js-section-nav"> <span class="local-navigation__link-chevron-wrapper"> <span class="icon icon--chevron-down"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 13.6 6.1" xml:space="preserve" role="img" aria-hidden="true" focusable="false"> <path d="M12.4 0 6.8 4 1.2 0 0 1.2l6.8 4.9 6.8-4.9z"/> <path d="m1.2 0 5.6 4 5.6-4 1.2 1.2-6.8 4.9L0 1.2z"/> </svg> </span> </span> <p id="local-navigation-button-label" class="u-visuallyhidden">Sections</p> <button id="local-navigation-toolbar-trigger" class="local-navigation__active-header js-local-nav-toolbar-trigger" type="button" aria-labelledby="local-navigation-button-label local-navigation-toolbar-trigger" aria-haspopup="listbox" title="Housing Policy Initiative"> <span class="local-navigation__active-header-text">Housing Policy Initiative</span> <span class="local-navigation__active-header-type" aria-hidden="true">Sections</span> </button> <div id="local-navigation__pop-out-menu" class="local-navigation__pop-out-menu"> <ul class="local-navigation__menu-header-list js-local-nav-headers" role="listbox" aria-labelledby="local-navigation-button-label"> <li class="local-navigation__menu-h2 js-local-nav-header-link local-navigation__is-current-page" role="option" tabindex="-1" data-link-url="/en/projects/housing-policy-initiative"> Housing Policy Initiative </li> <li class="local-navigation__menu-h3 js-local-nav-header-link " role="option" tabindex="-1" data-link-url="/en/projects/housing-policy-initiative/meet-the-team"> Meet the Team </li> </ul> </div> </div> <span class="page-toolbar__page-title u-hidden"> Housing Policy Initiative </span> </div> </div> </div> </div> </section><section class="container container--70-30 " id=""> <div class="container__col container__col--70"> <div class="container__inner"> <style type="text/css"> #rte-49b97a5a-a170-4806-b8f9-a4f689edde65.rich-text > :not(.rich-text__embed) { max-width: 650px !important; } </style> <div id="rte-49b97a5a-a170-4806-b8f9-a4f689edde65" class="js-selection-sharer rich-text rich-text--Left u-allow-page-break" data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Projects/Housing Policy Initiative/Components/Rich Text/Body Text"> <h4>Housing is the largest regular expense for most Americans. But a record housing shortage and skyrocketing rents and home prices mean millions of Americans now struggle to afford housing. </h4> <p>The Pew Charitable Trusts’ housing policy initiative works to help policymakers reimagine their approach to housing by illuminating how regulations and statutes drive the housing shortage and rising costs. Strict zoning and land-use regulations have limited the availability of homes, especially lower-cost options such as apartments and townhouses, which could otherwise help meet the nation’s housing demand. At the same time, outdated financial regulations have prevented millions of creditworthy homebuyers—especially Black, Hispanic, and Indigenous people, and those in rural communities—from obtaining a mortgage to finance a low-cost home, pushing many borrowers into riskier and more costly alternative financing arrangements. </p> <p>Pew studies the ways that policymakers can increase housing availability and safe home financing by revising land-use regulations that have reduced housing supply and increased costs, improve access to small mortgages—those under $150,000—and make non-mortgage financing arrangements safer for homebuyers. </p> </div> <section class="flip-tile__container"> <div class="flip-tile js-flip-tile"> <div class="flip-tile__wrapper"> <div class="flip-tile__front" style=" "> <h4 class="flip-tile__title" style="">Flip To Find Out</h4> <div class="flip-tile__body-copy " style=""> <span class="flip-tile__center-body-copy" style="font-size: 46px;"> 36 million Americans </span> </div> <svg class="flip-tile__flip-icon" viewBox="0 0 30 21" xmlns="http://www.w3.org/2000/svg" style=""><g><path d="M10.06 9.29a.8.8 0 0 0-1.15 0l-2.67 2.6a9.97 9.97 0 0 1-.12-1.36 8.9 8.9 0 0 1 9-8.79c1.43 0 2.79.33 4.06.95.4.2.91.03 1.1-.36a.78.78 0 0 0-.37-1.06A10.63 10.63 0 0 0 15.12.14 10.53 10.53 0 0 0 4.61 12.13L1.7 9.29a.8.8 0 0 0-1.15 0c-.34.32-.34.83 0 1.12l4.18 4.08c.15.15.36.24.57.24.22 0 .43-.09.58-.24l4.18-4.08a.8.8 0 0 0 0-1.12z" /><path d="M29.73 10.59L25.58 6.5a.8.8 0 0 0-1.16 0l-4.18 4.08a.76.76 0 0 0 0 1.12.8.8 0 0 0 1.15 0l2.67-2.6c.06.44.12.89.12 1.36a8.9 8.9 0 0 1-9 8.79 9.18 9.18 0 0 1-4.06-.95.82.82 0 0 0-1.09.36.78.78 0 0 0 .36 1.06 10.8 10.8 0 0 0 4.82 1.13A10.53 10.53 0 0 0 25.73 8.87l2.9 2.84c.16.15.37.24.58.24.21 0 .43-.09.58-.24.27-.3.27-.8-.06-1.12z" /></g></svg> </div> <div class="flip-tile__back" style=""> <h4 class="flip-tile__title" style="">Flip To Find Out</h4> <div class="flip-tile__body-copy" style=""> <span class="flip-tile__center-body-copy" style=""> 36 million Americans have used alternative financing at some point to pursue homeownership. <span class="flip-tile__tile-link js-no-flip-tile-flip" data-component="Flip Tile"> <a href="https://twitter.com/intent/tweet?text=36%20million%20Americans%2036%20million%20Americans%20have%20used%20alternative%20financing%20at%20some%20point%20to%20pursue%20homeownership.%20&url=https%3A%2F%2Fpew.org%2F3nOQQv0&via=pewtrusts" target="_blank" class="xdbpe" data-xdbpe="92FCAB40-D585-426F-95A5-452E948A19A1" style=""> TWEET <svg class="flip-tile__twitter-icon" viewBox="0 0 22 16" xmlns="http://www.w3.org/2000/svg" style=""><path d="M19.5 4v.5A12 12 0 0 1 7 16a14 14 0 0 1-6.7-1.8h1c2.1 0 4-.6 5.5-1.7a4.2 4.2 0 0 1-4-2.8 5 5 0 0 0 1.9 0c-2-.4-3.5-2-3.5-4 .6.2 1.3.4 2 .4a4 4 0 0 1-2-3.3c0-.8.2-1.5.6-2 2.2 2.4 5.4 4 9 4.2V4c0-2.2 1.9-4 4.3-4 1.3 0 2.4.5 3.2 1.3 1-.2 2-.5 2.8-1a4 4 0 0 1-2 2.2 7 7 0 0 0 2.6-.6c-.6.8-1.4 1.5-2.2 2z" fill-rule="evenodd" /></svg> </a> </span> </span> </div> <svg class="flip-tile__flip-icon" viewBox="0 0 30 21" xmlns="http://www.w3.org/2000/svg" style=""><g><path d="M10.06 9.29a.8.8 0 0 0-1.15 0l-2.67 2.6a9.97 9.97 0 0 1-.12-1.36 8.9 8.9 0 0 1 9-8.79c1.43 0 2.79.33 4.06.95.4.2.91.03 1.1-.36a.78.78 0 0 0-.37-1.06A10.63 10.63 0 0 0 15.12.14 10.53 10.53 0 0 0 4.61 12.13L1.7 9.29a.8.8 0 0 0-1.15 0c-.34.32-.34.83 0 1.12l4.18 4.08c.15.15.36.24.57.24.22 0 .43-.09.58-.24l4.18-4.08a.8.8 0 0 0 0-1.12z" /><path d="M29.73 10.59L25.58 6.5a.8.8 0 0 0-1.16 0l-4.18 4.08a.76.76 0 0 0 0 1.12.8.8 0 0 0 1.15 0l2.67-2.6c.06.44.12.89.12 1.36a8.9 8.9 0 0 1-9 8.79 9.18 9.18 0 0 1-4.06-.95.82.82 0 0 0-1.09.36.78.78 0 0 0 .36 1.06 10.8 10.8 0 0 0 4.82 1.13A10.53 10.53 0 0 0 25.73 8.87l2.9 2.84c.16.15.37.24.58.24.21 0 .43-.09.58-.24.27-.3.27-.8-.06-1.12z" /></g></svg> </div> </div> </div> <div class="flip-tile js-flip-tile"> <div class="flip-tile__wrapper"> <div class="flip-tile__front" style=" "> <h4 class="flip-tile__title" style=""></h4> <div class="flip-tile__body-copy " style=""> <span class="flip-tile__center-body-copy" style="font-size: 72px;"> 30% </span> </div> <svg class="flip-tile__flip-icon" viewBox="0 0 30 21" xmlns="http://www.w3.org/2000/svg" style=""><g><path d="M10.06 9.29a.8.8 0 0 0-1.15 0l-2.67 2.6a9.97 9.97 0 0 1-.12-1.36 8.9 8.9 0 0 1 9-8.79c1.43 0 2.79.33 4.06.95.4.2.91.03 1.1-.36a.78.78 0 0 0-.37-1.06A10.63 10.63 0 0 0 15.12.14 10.53 10.53 0 0 0 4.61 12.13L1.7 9.29a.8.8 0 0 0-1.15 0c-.34.32-.34.83 0 1.12l4.18 4.08c.15.15.36.24.57.24.22 0 .43-.09.58-.24l4.18-4.08a.8.8 0 0 0 0-1.12z" /><path d="M29.73 10.59L25.58 6.5a.8.8 0 0 0-1.16 0l-4.18 4.08a.76.76 0 0 0 0 1.12.8.8 0 0 0 1.15 0l2.67-2.6c.06.44.12.89.12 1.36a8.9 8.9 0 0 1-9 8.79 9.18 9.18 0 0 1-4.06-.95.82.82 0 0 0-1.09.36.78.78 0 0 0 .36 1.06 10.8 10.8 0 0 0 4.82 1.13A10.53 10.53 0 0 0 25.73 8.87l2.9 2.84c.16.15.37.24.58.24.21 0 .43-.09.58-.24.27-.3.27-.8-.06-1.12z" /></g></svg> </div> <div class="flip-tile__back" style=""> <h4 class="flip-tile__title" style=""></h4> <div class="flip-tile__body-copy" style=""> <span class="flip-tile__center-body-copy" style=""> Rents rose by 30% from Jan. 2017 to Jan. 2023. <span class="flip-tile__tile-link js-no-flip-tile-flip" data-component="Flip Tile"> <a href="https://twitter.com/intent/tweet?text=30%25%20Rents%20rose%20by%2030%25%20from%20Jan.%202017%20to%20Jan.%202023.&url=https%3A%2F%2Fpew.org%2F3nOQQv0&via=pewtrusts" target="_blank" class="xdbpe" data-xdbpe="92FCAB40-D585-426F-95A5-452E948A19A1" style=""> TWEET <svg class="flip-tile__twitter-icon" viewBox="0 0 22 16" xmlns="http://www.w3.org/2000/svg" style=""><path d="M19.5 4v.5A12 12 0 0 1 7 16a14 14 0 0 1-6.7-1.8h1c2.1 0 4-.6 5.5-1.7a4.2 4.2 0 0 1-4-2.8 5 5 0 0 0 1.9 0c-2-.4-3.5-2-3.5-4 .6.2 1.3.4 2 .4a4 4 0 0 1-2-3.3c0-.8.2-1.5.6-2 2.2 2.4 5.4 4 9 4.2V4c0-2.2 1.9-4 4.3-4 1.3 0 2.4.5 3.2 1.3 1-.2 2-.5 2.8-1a4 4 0 0 1-2 2.2 7 7 0 0 0 2.6-.6c-.6.8-1.4 1.5-2.2 2z" fill-rule="evenodd" /></svg> </a> </span> </span> </div> <svg class="flip-tile__flip-icon" viewBox="0 0 30 21" xmlns="http://www.w3.org/2000/svg" style=""><g><path d="M10.06 9.29a.8.8 0 0 0-1.15 0l-2.67 2.6a9.97 9.97 0 0 1-.12-1.36 8.9 8.9 0 0 1 9-8.79c1.43 0 2.79.33 4.06.95.4.2.91.03 1.1-.36a.78.78 0 0 0-.37-1.06A10.63 10.63 0 0 0 15.12.14 10.53 10.53 0 0 0 4.61 12.13L1.7 9.29a.8.8 0 0 0-1.15 0c-.34.32-.34.83 0 1.12l4.18 4.08c.15.15.36.24.57.24.22 0 .43-.09.58-.24l4.18-4.08a.8.8 0 0 0 0-1.12z" /><path d="M29.73 10.59L25.58 6.5a.8.8 0 0 0-1.16 0l-4.18 4.08a.76.76 0 0 0 0 1.12.8.8 0 0 0 1.15 0l2.67-2.6c.06.44.12.89.12 1.36a8.9 8.9 0 0 1-9 8.79 9.18 9.18 0 0 1-4.06-.95.82.82 0 0 0-1.09.36.78.78 0 0 0 .36 1.06 10.8 10.8 0 0 0 4.82 1.13A10.53 10.53 0 0 0 25.73 8.87l2.9 2.84c.16.15.37.24.58.24.21 0 .43-.09.58-.24.27-.3.27-.8-.06-1.12z" /></g></svg> </div> </div> </div></section> <section class="multi-promo"> <div class="multi-promo__promo-container"> <section class="flexible-promo__outer-wrapper" id="" data-sitecore-component-name="Flexible Promo" data-sitecore-data-source="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/promo Housing in America A Foundation in Montana"> <section class="flexible-promo__modal-source js-flexible-promo-modal-source"> <a href="/en/research-and-analysis/articles/2024/04/19/housing-in-america-a-foundation-in-montana" class="flexible-promo is-left flexible-promo__overlay-text " style="color:#FFFFFF;" data-component-description="A Foundation in Montana: Housing in America" data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/promo Housing in America A Foundation in Montana"> <div class="flexible-promo__media-wrapper flexible-promo--prefer-aspect-ratio-16x9"> <figure class="flexible-promo__media flexible-promo__media--wide promo-feature-image"> <picture> <source srcset="/-/media/assets/after-the-fact/140/housing_ep140_mainimage_650x366.png?mw=615&hash=8059A1B9A6A86EE54E199A0DA7B4842C 1x, /-/media/assets/after-the-fact/140/housing_ep140_mainimage_650x366.png?mw=1230&hash=8E7ADFCF200B4A3CB4EFF750B54777B1 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/assets/after-the-fact/140/housing_ep140_mainimage_650x366.png?mw=420&hash=1E011DD776F8661FEEC337CDFE12B0DF 1x, /-/media/assets/after-the-fact/140/housing_ep140_mainimage_650x366.png?mw=840&hash=C6CF2E3E61C4EB2DE888C58F47A140E1 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/assets/after-the-fact/140/housing_ep140_mainimage_650x366.png?mw=420&hash=1E011DD776F8661FEEC337CDFE12B0DF 1x, /-/media/assets/after-the-fact/140/housing_ep140_mainimage_650x366.png?mw=840&hash=C6CF2E3E61C4EB2DE888C58F47A140E1 2x" media="(max-width: 29.375em)"> <img src="/-/media/assets/after-the-fact/140/housing_ep140_mainimage_650x366.png?la=en&h=346&w=615&hash=14C8B77CF939F8FE787505D06C0F167B" alt="" /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <figure class="flexible-promo__media flexible-promo__media--square promo-feature-image"> <picture> <source srcset="/-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=615&hash=A9B731A0A6A4D31725EB9BC786AE39E6 1x, /-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=1230&hash=160307B87F4A4A7FD30F75598364C14D 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=420&hash=4E33F8E9B6C910EAA257F9F8A0A3E010 1x, /-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=840&hash=FB3870B67A983C1650BE1B8C359DAC7B 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=420&hash=4E33F8E9B6C910EAA257F9F8A0A3E010 1x, /-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=840&hash=FB3870B67A983C1650BE1B8C359DAC7B 2x" media="(max-width: 29.375em)"> <img src="/-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?la=en&h=615&w=615&hash=2151BBB4207262C2954E7B6C889EA1F6" alt="" /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <div class="flexible-promo__quick-view-wrapper"> </div> </div> <div class="flexible-promo__content" style="color: inherit;"> <div class="flexible-promo__content-inner-wrapper flexible-promo--accept-color-overrides"> <div class="flexible-promo__content-typedate-wrapper flexible-promo--accept-color-overrides"> <span class="flexible-promo__content-type">Podcast</span> <span class="flexible-promo__content-date">April 19, 2024</span> </div>  <h4 class="flexible-promo__subtitle flexible-promo--accept-color-overrides" id="promo-a50e8478-d5a1-43d3-9655-cf1cb6662273">A Foundation in Montana: Housing in America </h4>  </div> </div> <div class="flexible-promo__overlay" style="background-image: linear-gradient(to bottom,transparent 0,rgba(0,0,0,.1) 15%,rgba(0,0,0,.2) 30%,rgba(0,0,0,.3) 45%,rgba(0,0,0,.5) 60%,rgba(0,0,0,.6) 75%,rgba(0,0,0,.7) 100%)"></div> </a> <div class="flexible-promo__modal-content js-modal-content"> <span class="flexible-promo__modal-label">Quick View</span> <div class="flexible-promo__modal-inset-wrapper"> <div class="flexible-promo__modal-image"> <figure class="promo__media 1x1 promo-feature-image"> <a href="/en/research-and-analysis/articles/2024/04/19/housing-in-america-a-foundation-in-montana"> <picture> <source srcset="/-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=615&hash=A9B731A0A6A4D31725EB9BC786AE39E6 1x, /-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=1230&hash=160307B87F4A4A7FD30F75598364C14D 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=420&hash=4E33F8E9B6C910EAA257F9F8A0A3E010 1x, /-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=840&hash=FB3870B67A983C1650BE1B8C359DAC7B 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=420&hash=4E33F8E9B6C910EAA257F9F8A0A3E010 1x, /-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?mw=840&hash=FB3870B67A983C1650BE1B8C359DAC7B 2x" media="(max-width: 29.375em)"> <img src="/-/media/assets/after-the-fact/140/housing_ep140_thumbnail_700x700.png?la=en&h=615&w=615&hash=2151BBB4207262C2954E7B6C889EA1F6" alt="" /> </picture> </a> <figcaption class="u-visuallyhidden"></figcaption> </figure> </div> <div class="flexible-promo__modal-content-details"> <div class="flexible-promo__content-typedate-wrapper"> <span class="flexible-promo__content-type">Podcast</span> <span class="flexible-promo__content-date">April 19, 2024</span> </div> <p class="flexible-promo__description">In this episode, we hear from Montana state lawmakers Daniel and Katie Zolnikov about the bipartisan legislation they championed to address rising concerns about access to housing. And Indigenous advocates in Montana, Jody Cahoon Perez, Tonya Plummer, and Patrick Yawakie, discuss how they’re helping their Tribal communities seek more affordable and culturally appropriate housing. </p> </div> </div> </div> </section> </section> <section class="flexible-promo__outer-wrapper" id="" data-sitecore-component-name="Flexible Promo" data-sitecore-data-source="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/promo Small Mortgages Are Too Hard to Get"> <section class="flexible-promo__modal-source js-flexible-promo-modal-source"> <a href="/en/research-and-analysis/issue-briefs/2023/06/small-mortgages-are-too-hard-to-get" class="flexible-promo is-left flexible-promo__overlay-text " style="color:#FFFFFF;" data-component-description="Small Mortgages Are Too Hard to Get" data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/promo Small Mortgages Are Too Hard to Get"> <div class="flexible-promo__media-wrapper flexible-promo--prefer-aspect-ratio-16x9"> <figure class="flexible-promo__media flexible-promo__media--wide promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get.png?mw=615&hash=71650FDB6BC974EC9834DB8721CF4A7A 1x, /-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get.png?mw=1230&hash=5FD852766E92ED938AD97CF807A7565E 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get.png?mw=420&hash=60E2AC5249E4051482784BBC353223FF 1x, /-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get.png?mw=840&hash=810C1E3C97F9CC03ED95C0E6412C70A3 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get.png?mw=420&hash=60E2AC5249E4051482784BBC353223FF 1x, /-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get.png?mw=840&hash=810C1E3C97F9CC03ED95C0E6412C70A3 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get.png?la=en&h=346&w=615&hash=A6EAF25286CB8FFFBD99DD8E4CFB941C" alt="An illustration of the sun setting behind a single story home with a mailbox and planter garden." /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <figure class="flexible-promo__media flexible-promo__media--square promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=615&hash=C33060419A170852E6E37744A7DF7927 1x, /-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=1230&hash=ED1582B8D272107F1F16B8D4B598846D 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=420&hash=94FD512DF94E4A54D1D05F55A1DCE10B 1x, /-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=840&hash=AAC960751E73828D099E4AFA6028915E 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=420&hash=94FD512DF94E4A54D1D05F55A1DCE10B 1x, /-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=840&hash=AAC960751E73828D099E4AFA6028915E 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?la=en&h=615&w=615&hash=85B3F1C8D02469AC338DB968619691F5" alt="An illustration of the sun setting behind a single story home with a mailbox and planter garden." /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <div class="flexible-promo__quick-view-wrapper"> </div> </div> <div class="flexible-promo__content" style="color: inherit;"> <div class="flexible-promo__content-inner-wrapper flexible-promo--accept-color-overrides"> <div class="flexible-promo__content-typedate-wrapper flexible-promo--accept-color-overrides"> <span class="flexible-promo__content-type">Issue Brief</span> <span class="flexible-promo__content-date">June 22, 2023</span> </div>  <h4 class="flexible-promo__subtitle flexible-promo--accept-color-overrides" id="promo-333a7e28-e38b-4383-9e1e-13c3b93390ce">Small Mortgages Are Too Hard to Get </h4>  </div> </div> <div class="flexible-promo__overlay" style="background-image: linear-gradient(to bottom,transparent 0,rgba(0,0,0,.1) 15%,rgba(0,0,0,.2) 30%,rgba(0,0,0,.3) 45%,rgba(0,0,0,.5) 60%,rgba(0,0,0,.6) 75%,rgba(0,0,0,.7) 100%)"></div> </a> <div class="flexible-promo__modal-content js-modal-content"> <span class="flexible-promo__modal-label">Quick View</span> <div class="flexible-promo__modal-inset-wrapper"> <div class="flexible-promo__modal-image"> <figure class="promo__media 1x1 promo-feature-image"> <a href="/en/research-and-analysis/issue-briefs/2023/06/small-mortgages-are-too-hard-to-get"> <picture> <source srcset="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=615&hash=C33060419A170852E6E37744A7DF7927 1x, /-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=1230&hash=ED1582B8D272107F1F16B8D4B598846D 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=420&hash=94FD512DF94E4A54D1D05F55A1DCE10B 1x, /-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=840&hash=AAC960751E73828D099E4AFA6028915E 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=420&hash=94FD512DF94E4A54D1D05F55A1DCE10B 1x, /-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?mw=840&hash=AAC960751E73828D099E4AFA6028915E 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2023/06/small-mortgages-are-too-hard-to-get-1x1.png?la=en&h=615&w=615&hash=85B3F1C8D02469AC338DB968619691F5" alt="An illustration of the sun setting behind a single story home with a mailbox and planter garden." /> </picture> </a> <figcaption class="u-visuallyhidden"></figcaption> </figure> </div> <div class="flexible-promo__modal-content-details"> <div class="flexible-promo__content-typedate-wrapper"> <span class="flexible-promo__content-type">Issue Brief</span> <span class="flexible-promo__content-date">June 22, 2023</span> </div> <p class="flexible-promo__description">Mortgages are essential financial tools that create a pathway to homeownership for millions of Americans each year. In recent years, however, many homebuyers have struggled to obtain small mortgages to purchase low-cost homes, those priced under $150,000. This problem has garnered the attention of federal regulators, including the Federal Housing Administration (FHA) and the Consumer Financial Protection Bureau (CFPB), who view small mortgages as important tools to increase wealth-building and homeownership opportunities in financially undeserved communities. </p> </div> </div> </div> </section> </section> <section class="flexible-promo__outer-wrapper" id="" data-sitecore-component-name="Flexible Promo" data-sitecore-data-source="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/The High Cost of Putting a Roof Over Your Head"> <section class="flexible-promo__modal-source js-flexible-promo-modal-source"> <a href="/en/trust/archive/spring-2024/the-high-cost-of-putting-a-roof-over-your-head" class="flexible-promo is-left flexible-promo__overlay-text " style="color:#FFFFFF;" data-component-description="The High Cost of Putting a Roof Over Your Head" data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/The High Cost of Putting a Roof Over Your Head"> <div class="flexible-promo__media-wrapper flexible-promo--prefer-aspect-ratio-16x9"> <figure class="flexible-promo__media flexible-promo__media--wide promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_bannerimage/16x9_s.jpg?mw=615&hash=07FE1F79C3A19ADD922F334EE87FE529 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_bannerimage/16x9_s.jpg?mw=1230&hash=BFCE0E2FB5E6FCBEA84D70B3FBCCA913 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_bannerimage/16x9_s.jpg?mw=420&hash=91B23E74B3E8E3FDA1AD3E69BE89A72A 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_bannerimage/16x9_s.jpg?mw=840&hash=5846DAADF03A12245E3761BD6D497EBA 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_bannerimage/16x9_s.jpg?mw=420&hash=91B23E74B3E8E3FDA1AD3E69BE89A72A 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_bannerimage/16x9_s.jpg?mw=840&hash=5846DAADF03A12245E3761BD6D497EBA 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_bannerimage/16x9_s.jpg?la=en&h=345&w=615&hash=EA35A1625346326B8D93F868D1A6E2F8" alt=" " title=" " /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <figure class="flexible-promo__media flexible-promo__media--square promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=615&hash=A29F4AE83835B03A43624A0224D25B9C 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=1230&hash=904D0129F909BBECD409ED5AE137A45C 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=420&hash=CB5BEAB312BDB91E328F7E69BE9AD949 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=840&hash=0B64CBD686D186C20BF357A481C864C6 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=420&hash=CB5BEAB312BDB91E328F7E69BE9AD949 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=840&hash=0B64CBD686D186C20BF357A481C864C6 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?la=en&h=615&w=615&hash=989CD0A20B9FDD08243AB6315A00FF8D" alt="" /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <div class="flexible-promo__quick-view-wrapper"> </div> </div> <div class="flexible-promo__content" style="color: inherit;"> <div class="flexible-promo__content-inner-wrapper flexible-promo--accept-color-overrides"> <div class="flexible-promo__content-typedate-wrapper flexible-promo--accept-color-overrides"> <span class="flexible-promo__content-type">Trust Magazine</span> <span class="flexible-promo__content-date">May 29, 2024</span> </div>  <h4 class="flexible-promo__subtitle flexible-promo--accept-color-overrides" id="promo-ab5d0c33-f058-42d5-bcc6-007812e22c7d">The High Cost of Putting a Roof Over Your Head </h4>  </div> </div> <div class="flexible-promo__overlay" style="background-image: linear-gradient(to bottom,transparent 0,rgba(0,0,0,.1) 15%,rgba(0,0,0,.2) 30%,rgba(0,0,0,.3) 45%,rgba(0,0,0,.5) 60%,rgba(0,0,0,.6) 75%,rgba(0,0,0,.7) 100%)"></div> </a> <div class="flexible-promo__modal-content js-modal-content"> <span class="flexible-promo__modal-label">Quick View</span> <div class="flexible-promo__modal-inset-wrapper"> <div class="flexible-promo__modal-image"> <figure class="promo__media 1x1 promo-feature-image"> <a href="/en/trust/archive/spring-2024/the-high-cost-of-putting-a-roof-over-your-head"> <picture> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=615&hash=A29F4AE83835B03A43624A0224D25B9C 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=1230&hash=904D0129F909BBECD409ED5AE137A45C 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=420&hash=CB5BEAB312BDB91E328F7E69BE9AD949 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=840&hash=0B64CBD686D186C20BF357A481C864C6 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=420&hash=CB5BEAB312BDB91E328F7E69BE9AD949 1x, /-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?mw=840&hash=0B64CBD686D186C20BF357A481C864C6 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/trust-magazine/spring-2024/web-images/housing/housing_thumbnail1x1.jpg?la=en&h=615&w=615&hash=989CD0A20B9FDD08243AB6315A00FF8D" alt="" /> </picture> </a> <figcaption class="u-visuallyhidden"></figcaption> </figure> </div> <div class="flexible-promo__modal-content-details"> <div class="flexible-promo__content-typedate-wrapper"> <span class="flexible-promo__content-type">Trust Magazine</span> <span class="flexible-promo__content-date">May 29, 2024</span> </div> <p class="flexible-promo__description">Across the country in the wide expanses of Montana, it was easy less than a decade ago to find a comfortable family home in Bozeman for $250,000. Today, many of those same houses sell for more than $600,000, with prices often driven up by people moving in from more expensive states who have sold a house and have ready cash to buy what they want. </p> </div> </div> </div> </section> </section> <section class="flexible-promo__outer-wrapper" id="" data-sitecore-component-name="Flexible Promo" data-sitecore-data-source="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/How housing costs drive levels of homelessness"> <section class="flexible-promo__modal-source js-flexible-promo-modal-source"> <a href="/en/research-and-analysis/articles/2023/08/22/how-housing-costs-drive-levels-of-homelessness" class="flexible-promo is-left flexible-promo__overlay-text " style="color:#FFFFFF;" data-component-description="How Housing Costs Drive Levels of Homelessness" data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/How housing costs drive levels of homelessness"> <div class="flexible-promo__media-wrapper flexible-promo--prefer-aspect-ratio-16x9"> <figure class="flexible-promo__media flexible-promo__media--wide promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/16x9_m.jpg?mw=615&hash=1735CFF121A9B0D394BF0E3C16138F4D 1x, /-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/16x9_m.jpg?mw=1230&hash=548626BB6FE5E021DB90F25042E37572 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/16x9_m.jpg?mw=420&hash=05BCEE0725DE10D4E11925229310C237 1x, /-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/16x9_m.jpg?mw=840&hash=7C10AB6CF4FDF1739E9B742FE6D2B45C 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/16x9_m.jpg?mw=420&hash=05BCEE0725DE10D4E11925229310C237 1x, /-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/16x9_m.jpg?mw=840&hash=7C10AB6CF4FDF1739E9B742FE6D2B45C 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/16x9_m.jpg?la=en&h=346&w=615&hash=00130321BC34EF051BF87151CC400029" alt=" " title=" " /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <figure class="flexible-promo__media flexible-promo__media--square promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=615&hash=4889C4DD544EBDFE6074C61293E9D341 1x, /-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=1230&hash=C3A39C5B35B375250B951038EEAEFB90 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=420&hash=328C901AD54E342F16A2061D8CEED612 1x, /-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=840&hash=768D49E206599FC0A877B75A9E3CEF3D 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=420&hash=328C901AD54E342F16A2061D8CEED612 1x, /-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=840&hash=768D49E206599FC0A877B75A9E3CEF3D 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?la=en&h=615&w=615&hash=684AAF8DD86407A401C51BA2C22A4462" alt=" " title=" " /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <div class="flexible-promo__quick-view-wrapper"> </div> </div> <div class="flexible-promo__content" style="color: inherit;"> <div class="flexible-promo__content-inner-wrapper flexible-promo--accept-color-overrides"> <div class="flexible-promo__content-typedate-wrapper flexible-promo--accept-color-overrides"> <span class="flexible-promo__content-type">Article</span> <span class="flexible-promo__content-date">August 22, 2023</span> </div>  <h4 class="flexible-promo__subtitle flexible-promo--accept-color-overrides" id="promo-1f7fc2c6-119a-4a6e-a974-84f4f7b4a69a">How Housing Costs Drive Levels of Homelessness </h4>  </div> </div> <div class="flexible-promo__overlay" style="background-image: linear-gradient(to bottom,transparent 0,rgba(0,0,0,.1) 15%,rgba(0,0,0,.2) 30%,rgba(0,0,0,.3) 45%,rgba(0,0,0,.5) 60%,rgba(0,0,0,.6) 75%,rgba(0,0,0,.7) 100%)"></div> </a> <div class="flexible-promo__modal-content js-modal-content"> <span class="flexible-promo__modal-label">Quick View</span> <div class="flexible-promo__modal-inset-wrapper"> <div class="flexible-promo__modal-image"> <figure class="promo__media 1x1 promo-feature-image"> <a href="/en/research-and-analysis/articles/2023/08/22/how-housing-costs-drive-levels-of-homelessness"> <picture> <source srcset="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=615&hash=4889C4DD544EBDFE6074C61293E9D341 1x, /-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=1230&hash=C3A39C5B35B375250B951038EEAEFB90 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=420&hash=328C901AD54E342F16A2061D8CEED612 1x, /-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=840&hash=768D49E206599FC0A877B75A9E3CEF3D 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=420&hash=328C901AD54E342F16A2061D8CEED612 1x, /-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?mw=840&hash=768D49E206599FC0A877B75A9E3CEF3D 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2023/08/gettyimages1239606887jpgmaster/1x1_s.jpg?la=en&h=615&w=615&hash=684AAF8DD86407A401C51BA2C22A4462" alt=" " title=" " /> </picture> </a> <figcaption class="u-visuallyhidden"></figcaption> </figure> </div> <div class="flexible-promo__modal-content-details"> <div class="flexible-promo__content-typedate-wrapper"> <span class="flexible-promo__content-type">Article</span> <span class="flexible-promo__content-date">August 22, 2023</span> </div> <p class="flexible-promo__description">A new analysis of rent prices and homelessness in American cities demonstrates the strong connection between the two: homelessness is high in urban areas where rents are high, and homelessness rises when rents rise. </p> </div> </div> </div> </section> </section> </div> </section> <div class="dynamic-content-listing__header-container" id=""> <span class="dynamic-content-listing__header-wrapper"> <h3 class="dynamic-content-listing__header">OUR WORK</h3> </span> <div class="js-dynamic-items-search-facets" data-search-id="search-b83fe6b4-1dc1-4f33-8d61-4d1379480ce8"></div> </div> <div class="js-dynamic-items" data-search-id="search-b83fe6b4-1dc1-4f33-8d61-4d1379480ce8"></div> <script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script><script> // If configuring from Razor, please use a JSON string var config = {searchId:"search-b83fe6b4-1dc1-4f33-8d61-4d1379480ce8",pageId:"a811f6ed-de0b-4432-9935-fae3126e0cb9",componentId:"6e63e952-4b9d-4f9a-bc06-cc9e2af91622",url:"/api/DynamicContent?pageGuid={a811f6ed-de0b-4432-9935-fae3126e0cb9}&componentGuid={6e63e952-4b9d-4f9a-bc06-cc9e2af91622}",pagination:false,perPage:4,viewAllUrl:"",dictionary:{viewAllLabel:"View All",loadMoreLabel:"Load More",contentResultsLabel:"CONTENT",projectResultsLabel:"PROJECTS",peopleResultsLabel:"PEOPLE",facetsTitle:"Filter Your Results",selectAll:"Select All",deselectAll:"Deselect All",clearAll:"Clear All",filterPlaces:"Filter Places",continents:"Continents",oceans:"Oceans",countriesAndTerritories:"Countries and Territories",unitedStatesAndTerritories:"U.S. and Territories",filterBy:"Filter By"},displayDates:true,displayContentTypeFilter:true,displayTopicsFilter:true,displayTagsFilter:true,displayProjectsFilter:false,displayPlacesFilter:false}; window.PewSearchConfigs = window.PewSearchConfigs || []; window.PewSearchConfigs.push(config); // or JSON.parse(@config) </script> </div> </div> <div class="container__col container__col--30"> <div class="container__inner"> <div class="related-resources related-resources--experts"> <span class="related-resources__title"> <span class="related-resources__title-text"> Related Experts </span> </span> <div class="related-resources__people-wrapper" data-component="Related Experts"> <div class="related-resources__expert-wrapper"> <a class="related-resources__image xdbpe" href="/en/about/experts/alex-horowitz" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320"> <img src="/-/media/images/branding-and-banners/experts/alex-horowitz/1x1_s.jpg?la=en&h=160&w=160&hash=21147C46F72D6D756ADBC8F43BBE95EF" class="related-resources__photo" alt="Alex Horowitz" title="Alex Horowitz" /> </a> <div class="related-resources__content-wrapper"> <span class="related-resources__link related-resources__link--experts"> <a href="/en/about/experts/alex-horowitz" class="xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320"> Alex Horowitz </a> </span> <span class="related-resources__link related-resources__link--experts"> Project Director <br />Housing Policy Initiative </span> <div class="related-resources__expert-contact-wrapper"> <a class="js-obfuscate-email xdbpe" data-obfuscate-email="nubebjvgm@crjgehfgf.bet " data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320"> <svg class="related-resources__media-icon" viewBox="0 0 14 10" xmlns="http://www.w3.org/2000/svg"><g transform="translate(-2 -4)" fill="none" fill-rule="evenodd"><rect x="3" y="4.5" width="12" height="9" rx="1" /><path d="M9 9.75l3.75-3M5.25 6.75l3.75 3" stroke-linecap="round" stroke-linejoin="round" /></g></svg> </a> <a href="https://twitter.com/alexhrwtz" class="xdbpe" target="_blank" rel="noopener noreferrer" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320" > <svg class="related-resources__media-icon related-resources__media-icon--twitter" viewBox="0 0 12 10" xmlns="http://www.w3.org/2000/svg"><path d="M10.773 2.743c.005.097.008.196.008.293C10.78 6.04 8.303 9.5 3.775 9.5A7.407 7.407 0 0 1 0 8.48c.19.021.388.03.585.03a5.216 5.216 0 0 0 3.06-.972c-1.077-.018-1.987-.675-2.301-1.577a2.658 2.658 0 0 0 1.112-.038C1.329 5.71.478 4.794.478 3.692v-.027c.334.169.714.27 1.117.283C.936 3.54.5 2.845.5 2.057c0-.416.122-.805.334-1.14 1.214 1.374 3.029 2.276 5.075 2.37a1.995 1.995 0 0 1-.064-.514C5.845 1.516 6.95.5 8.305.5c.71 0 1.352.277 1.8.715a5.205 5.205 0 0 0 1.563-.548 2.32 2.32 0 0 1-1.082 1.255c.497-.054.97-.175 1.414-.356-.33.457-.746.855-1.229 1.177h.002z" fill-rule="evenodd" /></svg> </a> </div> </div> </div> <div class="related-resources__expert-wrapper"> <a class="related-resources__image xdbpe" href="/en/about/experts/tara-roche" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320"> <img src="/-/media/post-launch-images/2022/08/tara-roche/1x1_s.jpg?la=en&h=160&w=160&hash=9CBBD24106A123AA5AF05C7B2A0A8845" class="related-resources__photo" alt="Tara Roche" title="Tara Roche" /> </a> <div class="related-resources__content-wrapper"> <span class="related-resources__link related-resources__link--experts"> <a href="/en/about/experts/tara-roche" class="xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320"> Tara Roche </a> </span> <span class="related-resources__link related-resources__link--experts"> Project Director <br />Housing Policy Initiative </span> </div> </div> <div class="related-resources__expert-wrapper"> <a class="related-resources__image xdbpe" href="/en/about/experts/travis-plunkett" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320"> <img src="/-/media/images/branding-and-banners/experts/pct_travisplunkett/pct_travisplunkett_1x1.jpg?la=en&h=160&w=160&hash=97EE19DE4A2F9BE83E6C0796FAFCF133" class="related-resources__photo" alt="Travis Plunkett" title="Travis Plunkett" /> </a> <div class="related-resources__content-wrapper"> <span class="related-resources__link related-resources__link--experts"> <a href="/en/about/experts/travis-plunkett" class="xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320"> Travis Plunkett </a> </span> <span class="related-resources__link related-resources__link--experts"> Senior Director <br />Family Economic Stability </span> <div class="related-resources__expert-contact-wrapper"> <a class="js-obfuscate-email xdbpe" data-obfuscate-email="gcyhaxrgg@crjgehfgf.bet " data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320"> <svg class="related-resources__media-icon" viewBox="0 0 14 10" xmlns="http://www.w3.org/2000/svg"><g transform="translate(-2 -4)" fill="none" fill-rule="evenodd"><rect x="3" y="4.5" width="12" height="9" rx="1" /><path d="M9 9.75l3.75-3M5.25 6.75l3.75 3" stroke-linecap="round" stroke-linejoin="round" /></g></svg> </a> </div> </div> </div> </div> </div> <section class="flexible-promo__outer-wrapper" id="" data-sitecore-component-name="Flexible Promo" data-sitecore-data-source="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/promo Financing a Low-Cost Home Should Be Easier"> <section class="flexible-promo__modal-source js-flexible-promo-modal-source"> <a href="/en/research-and-analysis/articles/2023/03/28/financing-a-low-cost-home-should-be-easier" class="flexible-promo is-left flexible-promo__overlay-text " style="color:#FFFFFF;" data-component-description="Financing a Low-Cost Home Should Be Easier" data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Flexible Promos/promo Financing a Low-Cost Home Should Be Easier"> <div class="flexible-promo__media-wrapper flexible-promo--prefer-aspect-ratio-16x9"> <figure class="flexible-promo__media flexible-promo__media--wide promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2023/03/manufactured-homes_ilus_color_v1.png?mw=615&hash=FBFBBB2B5863E7CF0E7BA6D389F10F1C 1x, /-/media/post-launch-images/2023/03/manufactured-homes_ilus_color_v1.png?mw=1230&hash=2C91607F7ADABA2276F7B5D160CE0AA6 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2023/03/manufactured-homes_ilus_color_v1.png?mw=420&hash=273488FB08677724FCDA00C67A42C428 1x, /-/media/post-launch-images/2023/03/manufactured-homes_ilus_color_v1.png?mw=840&hash=556DD3D6B843EFE6DB8812643A45E609 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2023/03/manufactured-homes_ilus_color_v1.png?mw=420&hash=273488FB08677724FCDA00C67A42C428 1x, /-/media/post-launch-images/2023/03/manufactured-homes_ilus_color_v1.png?mw=840&hash=556DD3D6B843EFE6DB8812643A45E609 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2023/03/manufactured-homes_ilus_color_v1.png?la=en&h=346&w=615&hash=9B24BFCC4E14BF3E2B1EB1E213CEE97C" alt="" /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <figure class="flexible-promo__media flexible-promo__media--square promo-feature-image"> <picture> <source srcset="/-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=615&hash=700F7FD7E47CA91C87344905C8284A60 1x, /-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=1230&hash=74165CFFE54C30478A6807114235B6B9 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=420&hash=4A52B8338E43C8A30947B8D93FB8FF97 1x, /-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=840&hash=2507FEF512A406BC9D5C84170B4C9DDA 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=420&hash=4A52B8338E43C8A30947B8D93FB8FF97 1x, /-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=840&hash=2507FEF512A406BC9D5C84170B4C9DDA 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?la=en&h=615&w=615&hash=4A6BFE77AAB06BCE08E9B0FDD26821D7" alt="" /> </picture> <figcaption class="u-visuallyhidden"></figcaption> </figure> <div class="flexible-promo__quick-view-wrapper"> </div> </div> <div class="flexible-promo__content" style="color: inherit;"> <div class="flexible-promo__content-inner-wrapper flexible-promo--accept-color-overrides"> <div class="flexible-promo__content-typedate-wrapper flexible-promo--accept-color-overrides"> </div>  <h4 class="flexible-promo__subtitle flexible-promo--accept-color-overrides" id="promo-e85f3763-8fa4-4d89-8795-c133256ba557">Financing a Low-Cost Home Should Be Easier </h4>  </div> </div> <div class="flexible-promo__overlay" style="background-image: linear-gradient(to bottom,transparent 0,rgba(0,0,0,.1) 15%,rgba(0,0,0,.2) 30%,rgba(0,0,0,.3) 45%,rgba(0,0,0,.5) 60%,rgba(0,0,0,.6) 75%,rgba(0,0,0,.7) 100%)"></div> </a> <div class="flexible-promo__modal-content js-modal-content"> <span class="flexible-promo__modal-label">Quick View</span> <div class="flexible-promo__modal-inset-wrapper"> <div class="flexible-promo__modal-image"> <figure class="promo__media 1x1 promo-feature-image"> <a href="/en/research-and-analysis/articles/2023/03/28/financing-a-low-cost-home-should-be-easier"> <picture> <source srcset="/-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=615&hash=700F7FD7E47CA91C87344905C8284A60 1x, /-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=1230&hash=74165CFFE54C30478A6807114235B6B9 2x" media="(min-width: 56.9375em)"> <source srcset="/-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=420&hash=4A52B8338E43C8A30947B8D93FB8FF97 1x, /-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=840&hash=2507FEF512A406BC9D5C84170B4C9DDA 2x" media="(min-width: 29.4375em)"> <source srcset="/-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=420&hash=4A52B8338E43C8A30947B8D93FB8FF97 1x, /-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?mw=840&hash=2507FEF512A406BC9D5C84170B4C9DDA 2x" media="(max-width: 29.375em)"> <img src="/-/media/post-launch-images/2023/03/manufactured-homes_promo_1x1.png?la=en&h=615&w=615&hash=4A6BFE77AAB06BCE08E9B0FDD26821D7" alt="" /> </picture> </a> <figcaption class="u-visuallyhidden"></figcaption> </figure> </div> <div class="flexible-promo__modal-content-details"> <div class="flexible-promo__content-typedate-wrapper"> </div> <p class="flexible-promo__description">Homeownership is the largest source of wealth for most American families, and obtaining a safe, traditional 15-to-30-year mortgage is a key step toward achieving financial security. But outdated housing policies and financial regulations have made small mortgages—those for homes priced under $150,000—expensive for lenders and unavailable for millions of qualified and creditworthy borrowers, especially Black, Hispanic, and Indigenous households and those in rural communities. </p> </div> </div> </div> </section> </section> <section class="video-block js-video-modal-source" id=""> <span class="modal-overlay__close-modal js-close-video-modal"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" width="24" height="24"> <path d="M18.98 6.42L13.4 12 19 17.58l-1.4 1.4L12 13.4 6.42 19l-1.4-1.4L10.6 12 5 6.42l1.4-1.4L12 10.6 17.58 5z"></path> </svg> </span> <figure class="video-block__media video-frame"> <div class="video-block__media-wrapper xdbpe-video" data-component="Why Do Millions of US Homebuyers Use Risky Financing Options" data-xdbpe="C707CC8E-A2C9-4BE1-9D99-7AB77C070135"> <iframe id="https://www.youtube.com/embed/Hwah2SppR5c" class="optanon-category-C0004" data-src="https://www.youtube.com/embed/Hwah2SppR5c?rel=0&controls=1&showinfo=0&enablejsapi=1" frameborder="0" allow="autoplay" allowfullscreen> </iframe> <div class="video-block__notice"> <div class="video-block__notice-wrapper"> <div class="video-block__notice-text video-block__notice-text--long"> <p> This video is hosted by YouTube. In order to view it, you must consent to the use of “Marketing Cookies” by updating your preferences in the Cookie Settings link below. <a class="video-block__notice-link" href="https://youtu.be/Hwah2SppR5c" target="_blank"> View on YouTube <svg viewBox="0 0 10 8" xmlns="http://www.w3.org/2000/svg"> <g fill="none" fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> <path d="M.5 4h9"></path> <path d="M6.24.74L9.5 4"></path> <path d="M6.24 7.26L9.5 4"></path> </g> </svg> </a> </p> </div> <div class="video-block__notice-text video-block__notice-text--short"> <p> This video is hosted by YouTube. In order to view it, you must consent to the use of “Marketing Cookies” by updating your preferences in the Cookie Settings link below. <a class="video-block__notice-link" href="https://youtu.be/Hwah2SppR5c" target="_blank"> View on YouTube <svg viewBox="0 0 10 8" xmlns="http://www.w3.org/2000/svg"> <g fill="none" fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> <path d="M.5 4h9"></path> <path d="M6.24.74L9.5 4"></path> <path d="M6.24 7.26L9.5 4"></path> </g> </svg> </a> </p> </div> <div class="video-block__notice-btn-wrapper"> <button id="ot-sdk-btn" class="pct-btn pct-btn--primary ot-sdk-show-settings">Allow content from YouTube</button> </div> </div> </div> </div> <div class="video-block__meta-wrapper"> <span class="video-block__title"> Why Do Millions of U.S. Homebuyers Use Risky Financing Options? </span> <figcaption class="video-block__caption">Short video describes challenging path to homeownership</figcaption> </div> </figure> </section> <section class="newsletter-signup--promo" data-sitecore-component-name="Newsletter Signup Promo" data-sitecore-data-source="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Newsletter Signup Promos/Policy Pulse Economic Advancement"> <header class="newsletter-signup__title"> Sign Up </header> <div class="newsletter-signup__middle-wrapper"> <p class="newsletter-signup__description"> Get monthly data and expert policy recommendations aimed at advancing Americans’ financial security. </p> </div> <form class="newsletter-signup__promo-form js-footer-newsletter-signup" name="etForm" novalidate="novalidate" method="post" action="" target="_blank" , data-component="Policy Pulse Economic Advancement" data-component-description="Get monthly data and expert policy recommendations aimed at advancing Americans’ financial security." data-component-ds-path="/sitecore/content/PewTrusts_org/Home/Shared Components/Shared Newsletter Signup Promos/Policy Pulse Economic Advancement"> <div class="newsletter-signup__input-wrapper"> <input type="hidden" class="js-newsletter-signup--mid" name="MID" value="1380145" /> <input type="hidden" class="js-newsletter-signup--landingguid" name="LandingGUID" value="5c591a8916642e73ed5d1388faa0b739b2a85feeac00a6b0e24b0732c2222e7c" /> <input type="hidden" class="js-newsletter-signup--baseUrl" name="formPostUrl" value="https://cloud.pewtrusts.org/confirmation?guid=" /> <div class="newsletter-signup__field-wrapper"> <div class="newsletter-signup__email-field"> <div class="newsletter-signup__validation-error elqErrorMessage" name="elqErrorMessage">Please provide a valid email address</div> <div class="newsletter-signup__email-input-wrapper"> <input placeholder="Enter email address" class="newsletter-signup__email-input" name="emailAddress" type="email" /> <input class="newsletter-signup__submit-button xdbpe-newsletter" data-xdbpe="F33298DE-AD63-4FB1-93AA-A6DA5FB863F3" value="Submit" type="submit" /> </div> </div> </div> </div> </form> </section> <div class="related-resources"> <span class="related-resources__title"> <span class="related-resources__title-text"> MEDIA CONTACT </span> </span> <div class="related-resources__content-wrapper" data-component="Media Contact"> <b class="related-resources__link related-resources__link--media">Esther Berg</b> <span class="related-resources__link related-resources__link--media"> Officer, Communications </span> <a class="related-resources__link related-resources__link--media xdbpe" data-xdbpe="DDAF8F02-6C8D-48E5-BB9B-D76F881FA4DE" href="tel: 202.552.2283">202.552.2283</a> <a class="related-resources__link related-resources__link--media js-obfuscate-email xdbpe" data-xdbpe="DDAF8F02-6C8D-48E5-BB9B-D76F881FA4DE" data-obfuscate-email="roret@crjgehfgf.bet"> <svg class="related-resources__media-icon" viewBox="0 0 14 10" xmlns="http://www.w3.org/2000/svg"><g transform="translate(-2 -4)" fill="none" fill-rule="evenodd"><rect x="3" y="4.5" width="12" height="9" rx="1" /><path d="M9 9.75l3.75-3M5.25 6.75l3.75 3" stroke-linecap="round" stroke-linejoin="round" /></g></svg> </a> </div> </div> <div class="related-resources related-resources--taxonomy"> <span class="related-resources__title"> <span class="related-resources__title-text"> RELATED </span> </span> <div class="related-resources__content-wrapper" data-component="Related Taxonomy"> <div class="related-resources__taxonomy-row"> <b class="related-resources__taxonomy-label">Topics</b> <div class="related-resources__taxonomy-items"> <a href="/en/topics/fiscal-and-economic-policy" class="related-resources__comma-separated xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320">Fiscal & Economic Policy</a> <a href="/en/topics/family-finances" class="related-resources__comma-separated xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320">Family Finances</a> </div> </div> <div class="related-resources__taxonomy-row"> <b class="related-resources__taxonomy-label">Projects</b> <div class="related-resources__taxonomy-items"> <a href="/en/projects/housing-policy-initiative" class="related-resources__comma-separated xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320">Housing Policy</a> <a href="/en/projects/archived-projects/consumer-finance" class="related-resources__comma-separated xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320">Consumer Finance</a> </div> </div> <div class="related-resources__taxonomy-row"> <b class="related-resources__taxonomy-label">Experts</b> <div class="related-resources__taxonomy-items"> <a href="/en/about/experts/alex-horowitz" class="related-resources__comma-separated xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320">Alex Horowitz</a> <a href="/en/about/experts/tara-roche" class="related-resources__comma-separated xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320">Tara Roche</a> <a href="/en/about/experts/travis-plunkett" class="related-resources__comma-separated xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320">Travis Plunkett</a> </div> </div> <div class="related-resources__taxonomy-row"> <b class="related-resources__taxonomy-label">Places</b> <div class="related-resources__taxonomy-items"> <a href="/en/search?places=North America|United States" class="related-resources__comma-separated xdbpe" data-xdbpe="6BD6D129-6973-4DA2-8007-63F530F1E320">United States</a> </div> </div> </div> </div> </div> </div> </section> </div> <footer class="global-footer" role="contentinfo"> <div class="container container--bleed container--footer-top"> <div class="container__col"> <div class="container__inner"> <div class="site-logo"> <a href="/"> <svg version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" x="0" y="0" viewBox="0 0 1383 88" xml:space="preserve"> <path fill="#fff" d="M41.8 5.6H48c6.2 0 8.8 1.4 10.6 2.6 1.9 1.2 7.1 5.1 10.1 16.7h2V3.2H.6v21.7h2c3-11.6 8.2-15.5 10.1-16.7 1.9-1.2 4.4-2.6 10.6-2.6h6.2v77H16.9V85h37.5v-2.4H41.8v-77zM1098 5.6h6.2c6.2 0 8.8 1.4 10.6 2.6 1.9 1.2 7.1 5.1 10.1 16.7h2V3.2h-70.1v21.7h2c3-11.6 8.2-15.5 10.1-16.7 1.9-1.2 4.4-2.6 10.6-2.6h6.2v77h-12.6V85h37.5v-2.4H1098v-77zM135.2 49.8c0-11.8-8.4-15.7-17.4-15.7-13.8 0-18.4 10.4-19.2 11.7V2.1H79.3v2.4H88v78.1h-8.8V85h28.2v-2.4h-8.8V57.3c0-12.3 8.4-20.8 17.7-20.8 8.1 0 8.2 8.2 8.2 9.7v36.4h-8.8V85H144v-2.4h-8.8V49.8zM605.3 49.8c0-11.8-8.4-15.7-17.4-15.7-13.8 0-18.4 10.4-19.2 11.7V2.1h-19.4v2.4h8.8v78.1h-8.8V85h28.2v-2.4h-8.8V57.3c0-12.3 8.4-20.8 17.7-20.8 8.1 0 8.2 8.2 8.2 9.7v36.4h-8.8V85H614v-2.4h-8.8V49.8zM175.6 33.9c-15.5 0-26 13.9-26 26.6 0 16.5 12 26.2 26.7 26.2 13.8 0 18.1-9.1 19.5-13.5.1-.4.4-1.4.4-1.4l-2.5-.5-.4 1.3c-1.1 2.9-3.6 11.7-16.8 11.7-12.9 0-14.6-11.9-14.6-22.5 0-1.2.1-4.3.1-4.9h35c0-18.3-13.9-23-21.4-23zm-.4 2.5c11 0 9.7 11.3 9.4 18.1h-22.5c.7-8.2 2.5-18.1 13.1-18.1zM322.5 33.9c-15.5 0-26 13.9-26 26.6 0 16.5 12 26.2 26.7 26.2 13.8 0 18.1-9.1 19.5-13.5.1-.4.4-1.4.4-1.4l-2.5-.5-.4 1.3c-1.1 2.9-3.6 11.7-16.8 11.7-12.9 0-14.6-11.9-14.6-22.5 0-1.2.1-4.3.1-4.9H344c-.1-18.3-14-23-21.5-23zm-.5 2.5c11 0 9.7 11.3 9.4 18.1H309c.6-8.2 2.5-18.1 13-18.1zM1008 33.9c-15.5 0-26 13.9-26 26.6 0 16.5 12 26.2 26.7 26.2 13.8 0 18.1-9.1 19.5-13.5.1-.4.4-1.4.4-1.4l-2.5-.5-.4 1.3c-1.1 2.9-3.6 11.7-16.8 11.7-12.9 0-14.6-11.9-14.6-22.5 0-1.2.1-4.3.1-4.9h35.1c-.1-18.3-14-23-21.5-23zm-.4 2.5c11 0 9.7 11.3 9.4 18.1h-22.5c.6-8.2 2.5-18.1 13.1-18.1zM277.4 4.4c-3.6-1-7.5-1.2-12.1-1.2h-34.5v2.4h12.6v77h-12.6V85h37.5v-2.4h-12.6V46.8h8.8c4-.1 7.8-.6 11.4-1.5 4.4-1.1 20-6.2 20-20.5 0-14.1-13.8-19.2-18.5-20.4zm4.6 20.5c0 18.3-12.4 19.5-17.5 19.5h-8.8V5.6h8.2c8.9 0 18.1 1 18.1 19.3zM416 37.8h10.5l-13.6 33.7-13.5-36.1h-3.6l-15.3 36.4-12.2-34h9.2v-2.4h-28.2v2.4h7.8l17.7 49.1h2L393 48.2l14.5 38.7h2.1l19.6-49.1h6.2v-2.4H416zM506.9 84.2c-8.8 0-14.8-2.9-18.1-7.2-7.9-9.9-8-25.4-8-32.8 0-19.7 3.5-40.8 26.1-40.8 22.2 0 24.5 21.7 24.8 23.2h2V3h-2.3c-.6.8-1.3 2.4-4.8 2.4-4.8 0-8.8-4.4-18.7-4.4-23.4 0-41.1 20.2-41.1 43.2 0 23.4 18.1 42.4 40.3 42.4 10.8 0 16.5-4.1 21.1-4.1 3.1 0 3.8 1.2 4.8 2.4h2.3v-25h-2c-.4 1.3-2.7 12.5-7.4 17.2-1.9 1.9-6.1 7.1-19 7.1zM673.3 81.8c-.8.6-2.6 1.7-5 1.7-3.6 0-3.6-3.1-3.6-5.2V50.1c0-7.5-3.8-16.1-18.9-16.1-11.7 0-18.2 6-18.2 13.1 0 1.8 0 5.3 6 5.3 5.3 0 5.1-4.2 4.5-7.1-.6-2.7-2.3-8.9 7.9-8.9 5.7 0 8.3 2 8.3 11.3 0 2.2-.1 4-.5 5.3-1.2 4.2-4.6 5-11.6 7.4-7.1 2.4-18.1 3.4-18.1 14.9 0 2.5.3 11.5 15.1 11.5 12.4 0 14.3-7.2 15.1-8.3.7 2.5 1.8 4.5 3.3 5.9 1.7 1.6 4.5 2.5 8.2 2.5 5.2 0 7.8-2.2 8.8-2.9l.3-.3-1.4-1.9h-.2zM654.1 58v10.1c0 15.3-8.8 15.4-11.2 15.4-1.8 0-8 0-8-9.6 0-7.6 5.8-9.8 7.5-10.5 4-1.7 10.2-3.5 11.7-5.4zM866.7 81.8c-.8.6-2.6 1.7-5 1.7-3.6 0-3.6-3.1-3.6-5.2V50.1c0-7.5-3.8-16.1-18.9-16.1-11.7 0-18.2 6-18.2 13.1 0 1.5.3 2.8 1 3.8s2.3 1.6 5 1.6c1.5 0 2.7-.4 3.6-1.2 1.7-1.6 1.4-3.4.9-5.9-.5-2.7-2.3-8.9 7.9-8.9 5.7 0 8.3 2 8.3 11.3 0 2.2-.1 4-.5 5.3-1.2 4.2-4.6 5-11.6 7.4-7.1 2.4-18.1 3.4-18.1 14.9 0 2.5.3 11.5 15.1 11.5 12.4 0 14.3-7.2 15.1-8.3.7 2.5 1.8 4.5 3.3 5.9 1.7 1.6 4.5 2.5 8.2 2.5 5.2 0 7.8-2.2 8.8-2.9l.3-.3-1.4-1.9-.2-.1zM847.5 58v10.1c0 15.3-8.8 15.4-11.2 15.4-1.8 0-8 0-8-9.6 0-7.6 5.8-9.8 7.5-10.5 4-1.7 10.2-3.5 11.7-5.4zM717.4 34.1c-9.8 0-13.9 8.6-14.7 11.2v-10h-19.2v2.4h8.8v44.8h-8.8v2.4h29.3v-2.4h-9.9V57c0-12.7 7.2-19.7 11.4-19.7 2.4 0 3.6 1 3.6 3.2 0 3.8-1.5 3.6-1.5 6.6 0 3 3 3.6 5.4 3.6 5.1 0 6.1-3.3 6.1-6.7 0-5.9-4.3-9.9-10.5-9.9zM1162.3 34.1c-9.8 0-13.9 8.6-14.7 11.2v-10h-19.2v2.4h8.8v44.8h-8.8v2.4h29.3v-2.4h-9.9V57c0-12.7 7.2-19.7 11.4-19.7 2.4 0 3.6 1 3.6 3.2 0 3.8-1.5 3.6-1.5 6.6 0 3 3 3.6 5.4 3.6 5.1 0 6.1-3.3 6.1-6.7.1-5.9-4.2-9.9-10.5-9.9zM754.8 35.4h-19.4v2.4h8.8v44.9h-8.8v2.4h28.2v-2.4h-8.8zM804.9 75c-.4 2.4-2.7 9.2-9.1 9.2-6.5 0-6.4-7.5-6.4-9.6V37.8h16.2v-2.4h-16.2V19.8h-10.6v15.6H770v2.4h8.8v35.8c0 4.1.7 13.1 15.7 13.1 11.1 0 12.7-9.9 12.9-10.9l.1-.4-2.4-.9-.2.5zM1334.5 75c-.4 2.4-2.7 9.2-9.1 9.2-6.5 0-6.4-7.5-6.4-9.6V37.8h16.2v-2.4H1319V19.8h-10.6v15.6h-8.8v2.4h8.8v35.8c0 4.1.7 13.1 15.7 13.1 11.1 0 12.7-9.9 12.9-10.9l.1-.4-2.4-.9-.2.5zM911.3 33.9c-10.9 0-14.3 7.4-15.4 9.4V2.1h-19.4v2.4h8.8v78.1h-8.8V85h19.2v-8.6c.8 2.2 4.5 10.2 14.8 10.2 13.8 0 25.2-13 25.2-26.7.1-13.9-11.3-26-24.4-26zm12.3 24.7c0 3.9-.2 7.5-.3 10.7-.3 5.4-1.4 14.9-12.8 14.9-3.1 0-14.5.2-14.5-21.9 0-3 .1-6.4.4-10.3.6-10 5.7-15.7 14.6-15.7 11.3.1 12.6 10.8 12.6 22.3zM963.2 2.1h-19.4v2.5h8.7v78.1h-8.7v2.4h28.1v-2.4h-8.7zM1234.2 35.4h-19.3v2.4h8.7v26c0 11.8-8.1 20.4-14.8 20.4-3.1 0-9.3-.5-9.3-13.5V35.4h-19.4v2.4h8.8v31.9c0 6.1 1.5 10.2 4.2 12.6 4.1 3.5 8.6 4.4 13.5 4.4 12.3 0 16.3-10.7 17.2-12.1v10.5h19.2v-2.4h-8.8V35.4zM1277.9 56.3c-5.3-1.7-8.3-2.7-8.3-2.7-3.3-1-5.8-2.2-7.5-3.4-1.6-1.2-2.4-2.9-2.4-5.2 0-5.7 4.5-8.6 11.1-8.6 7.1 0 9.5 5.4 10.5 7.8.9 1.9 1.9 5.1 1.9 5.1h2V35.4h-1.9c-.1.2-.3.9-1.6.9-.8 0-1.4-.1-2-.4-3.2-1.3-5.1-2-8.9-2-10.5 0-16.8 7.5-16.8 15.5 0 9.6 5.9 12 8.6 13.2 1.3.6 11.9 4.2 11.9 4.2 1.9.7 3.6 1.6 5.1 2.7 1.4 1.1 2.1 3 2.1 5.8 0 3.2-.9 5.5-2.7 6.9-1.8 1.4-3.9 2.1-6.2 2.1-9.8 0-13.7-6.4-15.6-10.2-.9-1.8-2.1-5.8-2.1-5.8h-2v16.8h1.9c.5-.8.7-1.6 2.5-1.6 3.3 0 7.6 3.2 14.5 3.2 11.4 0 18.5-7.7 18.5-16.6-.1-8.7-7.5-12.2-12.6-13.8zM1369.6 56.3c-5.3-1.7-8.3-2.7-8.3-2.7-3.3-1-5.8-2.2-7.5-3.4-1.6-1.2-2.4-2.9-2.4-5.2 0-5.7 4.5-8.6 11.1-8.6 7.1 0 9.5 5.4 10.5 7.8.9 1.9 1.9 5.1 1.9 5.1h2V35.4h-1.9c-.1.2-.3.9-1.6.9-.8 0-1.4-.1-2-.4-3.2-1.3-5.1-2-8.9-2-10.5 0-16.8 7.5-16.8 15.5 0 9.6 5.9 12 8.6 13.2 1.3.6 11.9 4.2 11.9 4.2 1.9.7 3.6 1.6 5.1 2.7 1.4 1.1 2.1 3 2.1 5.8 0 3.2-.9 5.5-2.7 6.9-1.8 1.4-3.9 2.1-6.2 2.1-9.8 0-13.7-6.4-15.6-10.2-.9-1.8-2.1-5.8-2.1-5.8h-2v16.8h1.9c.5-.8.7-1.6 2.5-1.6 3.3 0 7.6 3.2 14.5 3.2 11.4 0 18.5-7.7 18.5-16.6-.1-8.7-7.5-12.2-12.6-13.8z"/> <circle fill="#fff" cx="748" cy="9.3" r="6.5"/> </svg> </a> </div> </div> </div> </div> <div class="container container-wide--100"> <div class="container__col"> <div class="container__inner"> <div class="global-footer__mid"> <div class="global-footer__about-wrap"> <div class="global-footer__about"> <span class="global-footer__title">ABOUT PEW</span> <p>Founded in 1948, The Pew Charitable Trusts uses data to make a difference. Pew addresses the challenges of a changing world by illuminating issues, creating common ground, and advancing ambitious projects that lead to tangible progress. </p> </div> <nav class="social-links" data-component="Social Follow"> <span class="global-footer__title">Follow Us</span> <ul> <li> <a href="https://www.facebook.com/pewcharitabletrusts" class="xdbpe" aria-label="Facebook" target="_blank" title="Facebook" rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#facebook"> </use> </svg></a> </li> <li> <a href="https://www.instagram.com/pewtrusts/" class="xdbpe" aria-label="Instagram" target="_blank" title="Instagram" rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#instagram"> </use> </svg></a> </li> <li> <a href="https://www.linkedin.com/company/20974/" class="xdbpe" aria-label="LinkedIn" target="_blank" title="LinkedIn" rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#linkedin"> </use> </svg></a> </li> <li> <a href="https://twitter.com/pewtrusts" class="xdbpe" aria-label="Twitter" target="_blank" title="Follow us on twitter " rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#twitter"> </use> </svg></a> </li> <li> <a href="/en/get-involved/rss-feeds" class="xdbpe" aria-label="RSS" title="RSS" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#rss"> </use> </svg></a> </li> <li> <a href="http://youtube.com/pew" class="xdbpe" aria-label="YouTube" target="_blank" title="YouTube" rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#youtube"> </use> </svg></a> </li> </ul> </nav> </div> <nav class="footer-nav"> <div class="footer-nav__section has-1"> <span id="Explore-99b8054e-23e0-46a8-ad78-c2ae312c2307" class="global-footer__title"> Explore </span> <div class="footer-nav__col-wrapper"> <ul class="footer-nav__col" aria-labelledby="Explore-99b8054e-23e0-46a8-ad78-c2ae312c2307"> <li> <a href="/en/topics" class="footer-nav__link" >Topics</a> </li> <li> <a href="/en/projects" class="footer-nav__link" >Projects</a> </li> <li> <a href="/en/about/news-room" class="footer-nav__link" >News Room</a> </li> <li> <a href="http://www.pewresearch.org/" class="footer-nav__link" target="_blank" rel="noopener noreferrer" >Pew Research Center</a> </li> </ul> </div> </div> <div class="footer-nav__section has-1"> <span class="global-footer__title" id="About-23ac7099-d33f-4911-af04-c33658d6bdae"> <a href="/en/about" >About</a> </span> <div class="footer-nav__col-wrapper"> <ul class="footer-nav__col" aria-labelledby="About-23ac7099-d33f-4911-af04-c33658d6bdae"> <li> <a href="/en/about/mission-and-values" class="footer-nav__link" >Mission & Values</a> </li> <li> <a href="/en/about/how-we-work" class="footer-nav__link" >How We Work</a> </li> <li> <a href="/en/about/contact-us" class="footer-nav__link" >Contact Us</a> </li> <li> <a href="/en/about/careers" class="footer-nav__link" >Careers</a> </li> </ul> </div> </div> </nav> <div class="global-footer--mobile-only"> <nav class="social-links" data-component="Social Follow"> <span class="global-footer__title">Follow Us</span> <ul> <li> <a href="https://www.facebook.com/pewcharitabletrusts" class="xdbpe" aria-label="Facebook" target="_blank" title="Facebook" rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#facebook"> </use> </svg></a> </li> <li> <a href="https://www.instagram.com/pewtrusts/" class="xdbpe" aria-label="Instagram" target="_blank" title="Instagram" rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#instagram"> </use> </svg></a> </li> <li> <a href="https://www.linkedin.com/company/20974/" class="xdbpe" aria-label="LinkedIn" target="_blank" title="LinkedIn" rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#linkedin"> </use> </svg></a> </li> <li> <a href="https://twitter.com/pewtrusts" class="xdbpe" aria-label="Twitter" target="_blank" title="Follow us on twitter " rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#twitter"> </use> </svg></a> </li> <li> <a href="/en/get-involved/rss-feeds" class="xdbpe" aria-label="RSS" title="RSS" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#rss"> </use> </svg></a> </li> <li> <a href="http://youtube.com/pew" class="xdbpe" aria-label="YouTube" target="_blank" title="YouTube" rel="noopener noreferrer" data-xdbpe="6B4394DD-72AE-4D62-939B-45801AA8F0E7" ><svg class="connect__social-icon"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/assets/Pew/img/svg-sprite.svg#youtube"> </use> </svg></a> </li> </ul> </nav> </div> <div class="newsletter-signup newsletter-signup--footer"> <span class="global-footer__title">SIGN UP FOR WEEKLY UPDATES</span> <form class="js-footer-newsletter-signup" name="etForm" novalidate="novalidate" method="post" action="" target="_blank" data-component="Configuration"> <p>Don't miss our latest facts, findings, and survey results in The Rundown</p> <div> <input type="hidden" class="js-newsletter-signup--mid" name="MID" value="1380145" /> <input type="hidden" class="js-newsletter-signup--landingguid" name="LandingGUID" value="5c591a8916642e73c98fbf985605527380161c2f84a4292c8d6e8760f7ba941b" /> <input type="hidden" class="js-newsletter-signup--baseUrl" name="formPostUrl" value="https://mc7c5nyrqmbp5-zz0gvwlxqtpw50.pub.sfmc-content.com/21xve31fctn?guid=" /> <div class="newsletter-signup__validation-error elqErrorMessage" name="elqErrorMessage">Please provide a valid email address</div> <input placeholder="Email address" class="newsletter-signup__email-input" name="emailAddress" id="emailAddress" type="email" /> <button data-xdbpe="F33298DE-AD63-4FB1-93AA-A6DA5FB863F3" type="submit" class="pct-btn pct-btn--primary u-color-pair newsletter-signup__submit-button xdbpe-newsletter" type="button">Submit</button> <span class="newsletter-signup__view-all-link"> <a href="https://cloud.pewtrusts.org/pewsignup" id="viewAllNewslettersLink" class="pct-btn pct-btn--link"> View All Newsletters <span class="icon icon--arrow-right"> <svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" role="image" aria-hidden="true" focusable="false"> <path d="M2.667 8h12M10.32 3.654 14.668 8M10.32 12.346 14.668 8" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round"/> </svg> </span> </a> </span> </div> </form> </div> </div> <div class="global-footer__bottom"> <span class="copyright__notice">Copyright © 2024 The Pew Charitable Trusts. All rights reserved.</span> <nav class="footer-links"> <span> <a href="/en/about/privacy-policy" class="global-footer__tertiary-link" >Privacy Policy</a> </span> <span> <a href="/en/about/cookie-policy" class="global-footer__tertiary-link" >Cookie Policy</a> </span> <span> <a href="/en/about/terms-and-conditions" class="global-footer__tertiary-link" >Terms & Conditions</a> </span> </nav> </div> </div> </div> </div> </footer><script src="/assets/pew/js/libraries-generated.js?v=638665945658133983"></script><script src="/assets/pew/js/index-generated.js?v=638665945658133983"></script> </body></html>

CINXE.COM

Housing Policy Initiative | The Pew Charitable Trusts