what needs wealth of a we should look to the policies that created wealth for some and limited it for others. caroline: part of the metropolitan fellow programur view as we head to the dnc problemswhat are the that start to target this issue? . andre: you will see democrats in particular focus on structural inequality. thatwill make an argument you need to level the playing field in order for people to take advantage of markets and housing. there are millions of people buying homes but they cannot reap the benefits of the american dream as a result. you need to have programs and initiatives that invest in the people who are hurt by this market. so i have been recommending to have microloans. programs where you can get low income renters and convert them into homeowners. areas can do that in where you have a number of homes that are valued at a price that banks will not back in terms of a mortgage. how they need to show can establish new loan product, new credit scoring systems, in ways that allow renters to convert into owners. joe: what about regulatory responses either directed toward banks or the real estate energy, realtors. appraisals a