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While the nation's GDP has doubled in the last thirty years, significant increases in family income have been restricted to a small subset of the American population. This disjunct between national economic growth and stagnating incomes in all but the very top tier of the population corresponds with increasing economic inequality and a lack of social and economic mobility. As a consequence, neighborhoods and metropolitan areas have become more polarized. Stark geographic differences in levels of poverty, income, health outcomes, job opportunities, lifetime earning potential, and...

In the fall of 2008, the world watched in horror as the U.S. housing finance system shattered, triggering a global financial panic and ultimately the Great Recession. Now, nearly a decade later, the long and slow housing recovery has reached a critical moment. Though the housing finance system has stabilized, it remains in the hands of the federal government, leaving taxpayers exposed to the credit risk while private funding remains mostly on the sidelines.

Principles of Housing Finance Reform identifies the changes necessary to modernize the housing finance system,...

The unsatisfactory performance of the United States economy during the 1970s generated considerable debate over potential new directions for economic policy. This volume, the result of the second Wharton/Reliance Symposium held in May 1983, presents and analyzes a range of economic policy options. The focus of the volume is on potential policy remedies for the economic problems of slow real output and productivity growth.

Given the range of issues covered and the alternative viewpoints presented, this collection does not search for an overall policy consensus. To focus on consensus...

Successful home ownership requires the availability of appropriate mortgage products. In the years leading up to the collapse of the housing market, home buyers frequently accepted mortgages that were not only wrong for them but catastrophic for the economy as a whole. When the housing market bubble burst, so did a cornerstone of the American dream for many families. Restoring the promise of this dream requires an unflinching inspection of lending institutions and the right tools to repair the structures that support solid home purchases. The American Mortgage System: Crisis and...

For the first time in history, the majority of the world's population lives in urban areas. Much of this urbanization has been fueled by the rapidly growing cities of the developing world, exemplified most dramatically by booming megacities such as Lagos, Karachi, and Mumbai. In the coming years, as both the number and scale of cities continue to increase, the most important matters of social policy and economic development will necessarily be urban issues. Urbanization, across the world but especially in Asia and Africa, is perhaps the critical issue of the twenty-first...

Small and midsized cities played a key role in the Industrial Revolution in the United States as hubs for the shipping, warehousing, and distribution of manufactured products. But as the twentieth century brought cheaper transportation and faster communication, these cities were hit hard by population losses and economic decline. In the twenty-first century, many former industrial hubs--from Springfield to Wichita, from Providence to Columbus--are finding pathways to reinvention. With innovative urban policies and design, once-declining cities are becoming the unlikely pioneers of...

Disasters--natural ones, such as hurricanes, floods, or earthquakes, and unnatural ones such as terrorist attacks--are part of the American experience in the twenty-first century. The challenges of preparing for these events, withstanding their impact, and rebuilding communities afterward require strategic responses from different levels of government in partnership with the private sector and in accordance with the public will.

Disasters have a disproportionate effect on urban places. Dense by definition, cities and their environs suffer great damage to their complex, interdependent...

Growing urbanization affects women and men in fundamentally different ways, but the relationship between gender and city environments has been ignored or misunderstood. Women and men play different roles, frequent different public areas, and face different health risks. Women suffer disproportionately from disease, injury, and violence because their access to resources is often more limited than that of their male counterparts. Yet, when women are healthy and safe, so are their families and communities. Urban policy makers and public health professionals need to understand how conditions...

Nineteenth-century landscape architect Frederick Law Olmsted described his most famous project, the design of New York's Central Park, as "a democratic development of highest significance." Over the years, the significance of green in civic life has grown. In twenty-first-century America, not only open space but also other issues of sustainability--such as potable water and carbon footprints--have become crucial elements in the quality of life in the city and surrounding environment. Confronted by a U.S. population that is more than 70 percent urban, growing concern about global warming,...