13. About million Americans are homeless. (LO5) a) 2 to 3 d) 20 to 25 b) 6 to 8 e) 40 to 50 c) 12 to 15 21 14. Which statement is true? (LO5) a) Most poor people are black. b) Most black people are poor. c) People over age 65 have a higher poverty rate than the overall rate for Americans. d) None of the above. 15. Darity and Myers observe that (LO7) a) welfare reform will lead to a sharp decline in the number of black families living below the poverty line b) cutting welfare benefits will increase the ranks of marriageable young black men c) the underlying cause of poverty is too much government intervention d) cutting benefits will not lower the number of black female-headed households