True (a)/False (b)

37. The complex of housing includes discrimination, which adds to the problem of lack of affordable housing

38. Housing market theories include the concept that as houses decline in quality and cost, they tend to filter downward while housing with rising incomes filter upwards

39. Low-income housing - providing housing for the poor - affects a wide range of income groups as a greater issue of affordability

40. Public housing and urban renewal are linked, but have produced some problems - mostly due to social-economic differences

41. Alternatives to public housing simply do not exist

Multiple choice - select the best answer. 42. Housing subsidies, trust funds, Community Land Trusts, and land banking a. All seek to resolve or reduce affordable housing challenges b. Only apply to California, as other states do not have affordable housing problems c. Indicate a proactive approach to developing and preserving affordable housing and reduce the number of abandoned homes d. Both a and c

43. Accessory dwelling units a. Are an unlegislated policy in California, both at the state and local level b. Are illegal in most neighborhoods, as planning commissions do not want to allow people to earn money from their property c. Have no opposition, but are welcomed throughout all communities and land use plans d. Are another affordable housing option for many communities, increasing density, allowing families to stay close, and may offer a second income to the homeowner

44. Affordable housing and growth management is often blocked by local government due to a. A desire to safeguard the character and property values of a community b. A desire to prevent increased development and the traffic it creates c. A desire to minimize tax burdens by restraining additional infrastructure needs

d. All of the above

45. Inclusionary zoning a. Is typically located out in the suburbs, far from urban centers of commercial areas b. Seeks lower-cost housing by offering a developer higher density or by a mandatory requirement for a defined proportion of affordable units c. Is an example of the widely accepted, controversy-free effort to provide affordable housing in the best neighborhoods d. Came about from the Supreme Court Case City of Las Vegas v. Sea Breeze Apartments

46. The current mortgage crisis a. Is the fault of people who knew exactly what they were getting into

b. Grew out of a mixture of declining home values, big banks and risky mortgage deals, and poor governmental decisions coming out of Washington c. Ended when the banks were bailed out by the government, creating housing value recovery and big banks paying back all the bailout funds d. None of the above