our final speaker, susan wacht professor at the wharton school at the university of pennsylvania, as well as of city and regional planning at the university of pennsylvania. i was fortunate to know susan 20 years ago, when she was assistant secretary for policy directing and research at the u.s. department of housing and urban development. i have been even more fortunate that since that time she has been willing to sell -- to share her insights on mortgage policy and housing policy. i do not think it is an exaggeration to say if there is an important policy question about the mortgage market, susan has probably written something on it. quite prolific, as all of our panel is. with that, i want to turn over the podium to jacob. i am here from the other washington, i have to set the record straight. the humidity is no contest. there is a difference between being damp and being human. and if anybody is unclear on that, come home with me. i am going to talk about today is part of a project that i worked on that is looking a little bit broadly at the impact of immigration on communities acr