Digitalization alone is not the driving force behind the changes in housing and real estate. The driving force is innovation brought to the sector by the fresh approach of…
Decreasing federal resources since the 1980s, policy devolution to the local level, and expansion of market-based approaches for affordable housing delivery have resulted in…
Shawn Cole, John Thompson, Peter Tufano
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February 1, 2008
UCC08-3: In this paper, we analyze the spending decisions of over 1.5 million Americans who vary in their degree of revealed credit constraints. Specifically, we analyze…