The U.S. Government Is Buying 11 Million Pounds of Cheese
Behold: cheese mountains. No longer mere tasty figments of your most sumptuous daydreams, giant stockpiles of cheese have been amassing all over the country for months. And now, the U.S. government is going to buy them.
I Would Like to Take Back One Mean Thing I Said About Jill Stein. (It Involves Bees.)
I try to follow the principle that people should update their beliefs to reflect new information as it comes along, and admit when they were wrong when called for. In that spirit, I would like to retract one of the (many) critical things I have written about Green Party presidential candidate Jill Stein.
I admit it. I was too harsh on her stance regarding honeybees.
Last month, I wrote an article titled "Jill Stein's Ideas Are Terrible. She Is Not the Savior the Left Is Waiting For." Among other issues, it noted that Stein and her party seemed to have an unfortunate tolerance for scientific quackery, such as fearmongering over vaccines and genetically modified foods. That fundamental fact hasn't changed. However, the following line in my piece has not aged well:
She would also “Ban neonicotinoids and other pesticides that threaten the survival of bees, butterflies, and other pollinators.” This is a nod to the discredited theory that some pesticides are driving the collapse of honeybee populations (which, by the way, are not actually collapsing).
I spoke too soon. A major new study published this week in Nature Communications suggests that neonicotinoids, or neonic pesticides, may be responsible for the long-term decline in England's wild bee population. Including Stein's concerns about pollinators on her anti-science rap sheet, it seems, was excessive.
Why did I write that the bee theory was “discredited” in the first place? The bee issue involves several distinct but interrelated scientific issues. But when I read Stein's platform plank about pesticides and pollinators, I took it primarily as a reference to the hysteria over colony collapse disorder, “the phenomenon that occurs when the majority of worker bees in a colony disappear and leave behind a queen,” as the Environmental Protection Agency puts it. (Yes, her platform plank mentions butterflies too, but they haven't been the focus of a recent media frenzy.) Commercial beekeepers started reporting incidents of collapse in 2006, and the story eventually reached an apocalyptic pitch around 2013. Magazines asked readers to imagine a world without bees. They churned out portmanteaus to describe an impending “beepocalypse” and “beemageddon” that could wreck American agriculture (something has to pollinate all those almonds in California, after all). The timing was a bit ironic; just as U.S. journalists had started whipping up a frenzy over the issue, the percentage of hive losses due to colony collapse disorder each year was actually in decline. But beekeepers have continued to watch a very large fraction of their colonies die annually, and nobody has figured out precisely why. The running theory is that it's probably a combination of factors including parasites like the varroa mite, disease, poor nutrition, habitat destruction and, yes, the multitude of pesticides, herbicides, and fungicides bees encounter in the field.
Many environmental groups, though, have tried to pin blame specifically on neonics, which American farmers began using in the 1990s. The evidence has never been especially strong (though that didn't stop Europe from passing a temporary ban on their use out of an abundance of caution). While scientists agree that neonics can be lethal for bees in large enough doses—they are pesticides, after all—it's not clear the quantities they encounter in the field have much effect. After reviewing the experimental literature and circumstantial evidence, a trio of the field's leading experts concluded in 2012 that, “dietary neonicotinoids cannot be implicated in honey bee declines.” Their position, they added, was “provisional because important gaps remain in current knowledge.” But a smoking gun still hasn't really emerged. The authors of one widely touted study in 2014 claimed they had demonstrated that “neonicotinoids are highly likely to be responsible for triggering 'colony collapse disorder' in honeybee hives that were healthy prior to the arrival of winter.” But the paper was written off by experts who noted that its authors had exposed the poor insects to unrealistically massive doses of pesticides that manufacturers already acknowledged were deadly.
It's also important to understand that despite the large die-offs that have become a yearly event, the U.S. commercial honeybee population actually rose after 2006, thanks to beekeepers who've become adept at rebuilding their colonies. In 2014, it reached a 20-year peak.
So I went with "discredited." Afterward, I had some testy Twitter conversations about whether that word was too strong—there are studies showing neonics have sublethal effects on honeybees for instance, so it's conceivable that they play some role in the constellation of factors behind colony wipeouts. But I felt comfy with my language.
Thanks to the new research out of England, which was funded by the U.K. government, I feel differently. As Nature notes, the study “is the first to link the controversial insecticides [neonics] to the decline of many bee species in real-world conditions.” The scientists looked at 62 species of wild bees using 18 years of data, and found that populations tended to disappear in areas where oilseed rape had been treated with neonics. Notably, species that foraged on the crops suffered significantly greater declines than those that did not. Overall, they estimated the pesticides cut the number of populations by 7 percent on average, and about 10 percent for foragers that may have been feasting on the pesticides.
“Our results provide the first evidence that sub-lethal impacts of neonicotinoid exposure can be linked to large-scale population extinctions of wild bee species, with these effects being strongest for species that are known to forage on oilseed rape crops,” the authors conclude. Industry representatives have complained that the study is only correlational, but I haven't seen an especially compelling rebuttal yet.
To be clear, this study is not about commercial honeybee populations, which are biologically distinct creatures from the wild bees involved in this research. In fact, they are specifically excluded from the study. The scientists write that their results do “support the findings of previous studies on commercially bred pollinators that have identified the underlying mechanisms affecting mortality.” But field research out of Sweden has previously suggested that neonics may have worse effects on wild than domesticated bees. Either way, the paper notes that its authors have received funding for a separate large-scale study on neonics and honeybees.
More to the point, this makes it pretty clear that the neonic controversy shouldn't be tossed into the quack science bin, especially if one is fretting over wild bee populations, which have tended to receive less focus in the U.S., but could certainly be covered by the language in Stein's platform. It seems I leaned a little bit ahead of my skis on this one.
Who’s Left to Embarrass Silicon Valley Now That Peter Thiel Has Killed Gawker?
On Thursday, the fallout from Peter Thiel’s vendetta against Gawker Media continued with the news that the company’s flagship blog, Gawker, will shut down, even as its other properties live on under new ownership. That sounds like a nail in the coffin for the brand of hypocrisy-shaming dirt-dishing that Gawker and its defunct sibling Valleywag pioneered. Which is, of course, exactly what Thiel intended.
In a New York Times op-ed earlier this week, the PayPal and Palantir co-founder argued that his backing of Hulk Hogan’s lawsuit against Gawker wasn’t simply an act of revenge for a 2007 Valleywag post that outed him as gay. Rather, he argued, it was a defense of online privacy, and therefore no one need fear a broader chilling effect on America’s press freedom. “As for Gawker,” he added, “whatever good work it did will continue in the future, and suggesting otherwise would be an insult to its writers and to readers.” What exactly Thiel meant by that particular sentence is hard to parse. What good work does he think Gawker did? What made him think that good work would continue following the company’s bankruptcy? And exactly when did the man who crushed Gawker grow so concerned about people insulting it?
But let's try for at least a moment to take this claim seriously. With Valleywag already dead of (mostly) natural causes and Gawker by Thiel’s hand, who in the media should we expect to carry on their legacy, particularly with respect to the demimonde that Thiel inhabits, the high-flying society and culture of Silicon Valley and the technology industry?
The answer is not immediately obvious.
That's partly because, as Adrienne LaFrance observes in an essay for Nieman Reports, the technology industry now enjoys unprecedented power over the media. The man who owns Amazon also owns the Washington Post; a co-founder of Facebook bought and overhauled and then sold the New Republic; even the Intercept, an explicitly investigative enterprise, owes its existence to a tech magnate. BuzzFeed isn't owned by Silicon Valley billionaires, but it does rely on their venture capital funding. That doesn’t mean these companies’ owners shape their tech coverage, but it creates at least the potential for conflicts of interest.
Even those publications that aren't owned by tech kingpins are beholden to the technology industry in troubling ways. We're beholden to them for basic access to products and information, which Machiavellian PR operations like Apple’s staunchly withhold from any journalist or publication they consider overly critical. And our entire industry is now beholden to them for the distribution of our work to readers, which social media companies such as Facebook and Snapchat increasingly mediate. To make matters worse, LaFrance notes, tech journalism lacks an oppositional reporting tradition, because it began as fodder for a sort of advertising-friendly consumer-lifestyle section. As the New York Times' David Streitfeld puts it: "There is no Woodward and Bernstein or Kate Boo of tech reporting."
To be clear, Gawker or Valleywag's tech blogging rarely if ever rose to anything approaching Pulitzer-worthy investigative work—that wasn’t its role. Some of the work was petty and cheap. Much of it was not reporting at all, but aggregation of news reported elsewhere, filtered through a lens of righteous fury. Yet Gawker's refusal to pull punches meant that it landed some pretty good ones. And if its lens was rather monochromatic, it was at least of a more vivid color than the rose-tinted access journalism that prevails in the mainstream tech press.
There are really two voids, then, in contemporary coverage of the technology industry.
There has always been a dearth of sober, meticulous, investigative tech journalism. That's due in part to the factors mentioned above, but also to big tech firms' ruthless control over access to their own information. Draconian nondisclosure agreements for all employees are the norm, and they’re strictly enforced, to the point that workers at a company like Apple can't even tell their spouses what they're working on. (Gawker Media’s Gizmodo was among the first to shine a light on the company’s extreme secrecy.)
And now we have a second, Gawker-size hole in the supply of lively, critical commentary and personal gossip about the fabulously powerful and secretive people who increasingly control the world's information (and a good chunk of its money). What kind of people did Google executive Eric Schmidt follow on Instagram? What did a protected California redwood forest look like after entrepreneur Sean Parker held his “dream wedding” there? How much did Mark Zuckerberg pay to buy his neighbors’ houses so that he could protect his own privacy, after insisting that Facebook users surrender much of theirs? And how did he feel when paparazzi deprived him of it? We know the answers to these questions partly because Gawker brought them to wider public attention. Who among our docile tech press will do that now that it's gone?
A better question might be: Who would dare, now that Thiel has set a precedent for Silicon Valley's ruling class to wield their fortunes to exact revenge on publications that offend them? Who would want to, now that he has successfully made the Gawker mothership so toxic that a new owner would rather shutter it than keep the lights on?
These aren’t rhetorical questions. There are journalists out there who were holding industry captains to account in various ways long before Valleywag and Gawker shut down, and I don't doubt that they'll continue to do so even in the face of the existential threat posed by tycoons with vendettas. There just aren't enough of them.
Here are a few, though, that come to mind. I’m thinking of people like ex-Valleywag editor Nitasha Tiku and Charlie Warzel of BuzzFeed; former Valleywag writer Sam Biddle, who recently decamped from Gawker to the Intercept; Michael F. Nuñez of Gizmodo; Kashmir Hill of Fusion (and editor Alexis Madrigal, who broke the Parker wedding story); Zeynep Tufekci, a UNC professor who writes for the New York Times’ opinion section; and Streitfeld, a relentless pursuer of Amazon for the New York Times. These are not all necessarily the finest journalists covering the industry—although some of them are that too—but those who can be counted on to cover its powerful companies and personalities with a critical eye and an investigative edge. Many of them likely also have smart and fearless editors behind them, supporting their work. And, thankfully, there are investigative reporters at major news organizations who sometimes range into tech, like the Wall Street Journal’s John Carreyrou, who broke the Theranos scandal. Meanwhile, the fictional HBO show Silicon Valley has forged entertaining satire out of the same sort of material that Valleywag used to report on.
Here are a few more names proposed by people who responded to my query on Twitter (some more earnestly than others):
I believe that the Forbes Contributor Network will keep tech executives in line. https://t.co/tKHzZJyaP4— Prof Jeff Harambe (@ProfJeffJarviss) August 18, 2016
There are more that we’re missing, I'm sure. If you think of them, please feel free to post their names in the comments so that Thiel's lawyers can start combing through their records for actionable misdeeds. I mean, so that we can all applaud and benefit from their noble work.
Disclosure: One Slate editor is married to a Gawker editor. One is married to a lawyer who represented Gawker in the Hulk Hogan trial. One is a former Gawker Media executive editor. None of these Slate staffers worked on this story.
Harley-Davidson Has to Stop Selling a Pollution-Causing Device and Pay $15 Million
On Thursday the U.S. Department of Justice and the Environmental Protection Agency announced that famed motorcycle manufacturer Harley-Davidson has agreed to pay a $12 million civil fineafter selling illegal after-market devices, called super tuners, that increased vehicles’ emissions. The settlement also requires that Harley-Davidson pay $3 million in a deal with the EPA to help mitigate air pollution caused by the super tuners, buy them back from its dealers, and destroy them.
According to the government, since 2008 Harley-Davidson has manufactured and sold about 340,000 Screamin’ Eagle Pro Super Tuners, which allow users to modify their motorcycle’s emission control system and increase power and performance. Officials claim that these tuners allow riders to violate the Clean Air Act because of the higher emissions that resulted.
Obama Administration to San Francisco: Your Anti-Gentrification Plan Promotes Segregation
Last fall, San Francisco passed a bill designed to give the city’s dwindling black population a better shot in the lottery for subsidized housing. The legislation reserved 40 percent of all new subsidized housing for people already living within a half-mile of the project or within its municipal district.
On Wednesday, the San Francisco Chronicle reported that the U.S. Department of Housing and Urban Development had rejected that plan for a senior housing development in the Western Addition neighborhood, writing to the city that it could “limit equal access to housing and perpetuate segregation,” in violation of the Fair Housing Act.
It’s a statement that could resonate beyond projects that, like that San Francisco senior center, have been financed directly by HUD. The department has long supported the use of so-called local preferences in public housing, based on “local housing needs and priorities.” But the letter seems to indicate that Washington may be changing its position as part of an aggressive push towards integration in housing.
Why Another Big Insurer Is Bailing on Obamacare
On Monday night, Aetna announced that it will stop offering health coverage through the Affordable Care Act's marketplaces in most of the states where it currently does so, making it the latest major insurer to pull back from the exchanges after losing significant amounts of money on them. The company currently markets Obamacare plans in 15 states; next year, it will sell them in just four. As a result, Americans in many parts of the country will have fewer options when shopping for health insurance in 2017, and there is at least one market, Pinal County in Arizona, where as of now no insurers—as in zero—are planning to provide coverage through the exchanges*.
Aetna is the country's third largest insurer and currently enrolls about 1.1 million customers in its Obamacare plans. The company is expecting to lose more than $300 million on that portion of its business this year. And its troubles mirror those of its fellow large insurers that have had difficulty making a go of it on the exchanges. In July, Humana said it would cut back from 19 to 11 states after losing around $1 billion over the past two years on its ACA business. UnitedHealth Group, the country's largest insurance carrier, has decided that beginning next year it will operate in “three or fewer exchange markets,” down from 34, after losing a few hundred million itself.
So what does this trend mean for the health of health care reform? I think there are two basic ways you can spin it. The upbeat story would be that this is a victory for consumer choice, which is how Sara Collins of the Commonwealth Fund framed things in an interview with CNBC. The big insurers, like Aetna, are known for selling pricey coverage to employers (an Aetna plan is one of the options for Slate employees) or to Medicare beneficiaries, and so they weren't necessarily equipped to compete for consumers on the exchanges, who've turned out to be very, very cost-conscious. In contrast, some of the smaller companies like Centene that have been making a mint on the Obamacare exchanges had a background serving Medicaid enrollees, which gave them a leg up catering to low-income customers. “It is not surprising given the high level of price competition that there will be winners and losers in the reformed individual insurance market," Collins said. "Aetna's announcement this week is consistent with this."
The more dour story, which Carolyn Johnson at the Washington Post lays out nicely, is that Obamacare enrollees are simply just much older and sicker than big insurers like Aetna expected, and that's made it impossible to earn a profit off them. Companies hoped that after an initial wave of high-cost customers signed up in Obamacare's early days, more young and healthy Americans would trickle into the market. That doesn't seem to be happening yet. Last week, for instance, the Department of Health and Human Services released a report finding that medical costs for exchange customers didn't budge between 2014 and 2015. The agency painted that as a good thing, but for companies like Aetna that were counting on an influx of spry, twentysomething SoulCycle addicts to balance out all their 50-year-old customers in need of hip replacements, no news was bad news.
In reality, these two stories can exist at once. Obamacare's risk pool—the ratio of sick to healthy customers on the exchanges—is probably worse than a lot of these companies like. At the same time, behemoths like Aetna are probably getting outcompeted for young patients at the low end of the market by companies offering cheaper, less expansive coverage. Fundamentally, though, Aetna, Humana, and UnitedHealth's decisions to bail simply aren't a positive sign for the current state of Obamacare, which was designed to expand coverage largely by subsidizing private insurance. In order for that to work, private insurers need to make a profit. And in an ideal world, the Affordable Care Act's marketplaces would be large and diverse enough to support the major insurers that offer fuller plans, as well as the smaller companies specializing at rock-bottom prices. Unfortunately, that's just doesn't seem to be the case yet.
Update, August 17: This story has taken a somewhat interesting political twist. In the wee hours of Wednesday morning, HuffingtonPost broke the news that Aetna wrote a letter to the Justice Department in July threatening to pull out of the exchanges if the government sued to block its proposed merger with Humana. “[I]nstead of expanding to 20 states next year, we would reduce our presence to no more than 10 states,” CEO Mark Bertoli warned. Of course, the DOJ went and sued to stop the merger anyway.
Even before this scoop, Sen. Elizabeth Warren had suggested that Aetna’s decision to bail on the marketplaces might have been motivated by its merger battle, writing in a Facebook post that, “The health of the American people should not be used as a bargaining chip to force the government to bend to one giant company's will." As Bertoli’s letter shows, Warren wasn’t entirely off base. But in the end, I don’t think it makes sense to characterize Aetna’s decision as a case of corporate blackmail. The bottom line is that the company has been losing money on the exchanges—it can’t lie about that in public. Merging might have made remaining in the marketplaces more tenable. Or, maybe the company was just promising to expand to new markets in order to win merger approval—companies make all sorts of flimsy projections about the wonderful things that will happen post tie-up in order to win regulatory approval. It’s hard to tell. But if Aetna were making a killing on Obamacare plans right now, or thought it was about to be, I don’t think it’d cutting and running right now.
*Correction, Aug. 16, 2016: This article originally misidentified the county in Arizona where there are presently no insurers planning to participate in the health care exchanges next year as Pinellas County. It is Pinal County.
Forgiving All Student Loan Debt Would Be an Awful, Regressive Idea
An especially half-baked idea for dealing with America's student debt burden has been bubbling up from the far reaches of the political left lately: Washington, a few well-meaning souls say, should just forgive all of the loans—wipe the slate clean. The Green Party's Jill Stein is running for president on the promise that she'll wave away every cent of outstanding federal education debt. And late last week, Bard College President Leon Botstein argued in Money that Hillary Clinton should vow to do the same, giving the concept at least a thin veneer of academic respectability.
It's easy to see why this notion would be politically appealing for a certain kind of lefty. Many young progressives are college graduates with student loans they would love to see disappear. If you're a third-party candidate like Jill Stein, appealing to their self-interest is an obvious way to attract a few votes. Meanwhile, if you're the president of an expensive private institution of higher education, like Botstein is, a temporary solution to college costs that doesn't require any sacrifice from universities themselves is probably very appealing. And, hey, student debt is a crushing, generational crisis, right? Why not just eliminate it all?
Well, for one thing, it would be expensive—there are about $1.25 trillion of outstanding federal loans right now, which is more than a year's worth of Social Security spending, or enough to fund the federal block grant for Temporary Assistance for Needy Families, aka welfare, for about 78 years. But more importantly, across-the-board student-loan forgiveness would be an incredibly regressive way of dealing with debt. And typically, trillion-dollar spending programs that disproportionately benefit relatively affluent college graduates aren't high on progressives' to-do lists. Or they shouldn't be, anyway.
Before I get into the details, it's worth noting just how poorly thought-out both Stein’s and Botstein's proposals are. Stein has suggested that the Federal Reserve could use quantitative easing to forgive student loans—a bizarre notion that seems to have been inspired by her complete misunderstanding of what quantitative easing actually is. But that's a bit less embarrassing than Botstein's grand proposal to eliminate the current student lending program and replace it with one that forgives a borrower’s debt if he or she works in public service for a period of time. Had he done a little basic Googling, the man would have learned that such a program already exists: It's called—get ready for it— the Public Service Loan Forgiveness Program, and it actually erases debt after 10 years, instead of the 20 Botstein suggests. I just pray that Bard's financial aid office is a little more read up on the issue.
But leave aside Botstein's lack of basic familiarity with student lending as it now exists. Ignore Stein's odd ideas about how we might deploy somewhat arcane monetary-policy tools. The bigger, conceptual problem with mass student debt forgiveness is that it would spend a whole lot of money while doing a very poor job targeting the people who need help.
The most important thing to realize about student loans is that most borrowers don't have too much trouble handling it. In 1999, the median borrower would have had to spend about 5 percent of his or her income after leaving school to pay back loans. By 2010 that number had only risen to 6 percent. In 2014, Beth Akers of the Brookings Institution observed that the average student loan payment wasn't much more than what the typical household laid out each month on entertainment. And while default rates have gone up significantly since the financial crisis, the problem has been concentrated overwhelmingly among students who attended for-profit colleges, who are often lower-income minorities. Students who drop out are also more likely to fall behind on their payments. In general, these troubled borrowers actually have smaller loan balances than those who are current on their debts.
The flip side of that fact is that a disproportionate amount of student-loan debt is sitting in the hands of relatively few borrowers—particularly former graduate students, who often make very decent salaries. In 2013, the top 20 percent of borrowers was shouldering 61 percent of all outstanding student loan debt. The highest earning 20 percent of borrowers, meanwhile, was carrying 36 percent of outstanding debt.
None of this should be surprising. Chances are that if you borrowed a bunch to get an MBA, you're about to earn much more than, say, a young woman who left a regional public college after a few semesters and is now having trouble managing the $5,000 worth of Stafford Loans she took out. Forgiving all student loan debt in one giant swoop would hand a five- or even six-figure windfall to all those well-educated professionals, and much less to the struggling dropouts. We’d be spending a lot for the benefit of comfortable graduates in order to give a little help to some hard-pressed middle-class Americans. Ergo, it's regressive.
Of course, we haven't even touched the fact that, should the government turn up a spare $1.25 trillion, there might be better uses for it than forgiving student loans. You have to pick priorities, and while Botstein tries to get around that by saying forgiving student debt would also act as an economic stimulus, there are other ways to give the economy a one-time, $1.25 trillion shot in the arm; you could, for instance, just cut a check to every American, whether or not they were fortunate enough to ever go to college. Last I checked, high school graduates could use a hand these days, too.
London Is Adding Late-Night Tube Service. U.S. Subways Are Cutting Back. That’s Bollocks.
A new era for London begins on Friday, when the city introduces all-night weekend Tube service on the Victoria and Central lines.
That change, which will expand to three other Underground lines this fall, is a response to London’s evolution into a “Non-Stop Capital.” (“The City That Never Sleeps” is taken.) Since 2000, late-night Tube ridership has risen at about twice the rate of daytime trips. But after the system closes, shortly after midnight, is where the real demand is: Nighttime bus usage has nearly tripled in that time.
Hostess, Following Its Customers’ Lead, Now Makes Frozen Deep-Fried Twinkies
As Apple has found, having to scramble for your next big hit can be a dangerous. There’s the chance that interest in the old cash cow starts to drop without something else to take up the difference.
You can try to encourage innovation, or sometimes you can see it elsewhere and get on the bandwagon.
In the case of Hostess, it only took 14 years.
The company has started to sell its first frozen product: deep-fried Twinkies, as the Associated Press reported.
Palo Alto Is So Expensive That No One Who Wants to Make It Cheaper Can Afford to Live There
The story of Palo Alto Planning Commissioner Kate Downing, who announced her resignation in an open letter on Wednesday, is a parable for the failures of the affordable housing movement in this country.
Downing had served for nearly two years as one of the seven members of Palo Alto’s Planning and Transportation Commission, which advises the town’s City Council on development, transportation, zoning, variances, permits, and special projects. She co-founded Palo Alto Forward, a resident group that has advocated that the Council address the housing shortage in the increasingly unaffordable Bay Area suburb, which is home to Stanford University and has a population of 66,000. And in July, she announced that her family would be leaving the city for Santa Cruz.
“After many years of trying to make it work in Palo Alto, my husband and I cannot see a way to stay in Palo Alto and raise a family here,” she wrote. She and her husband paid $6,200 a month to share a house with another couple. “If we wanted to buy the same home and share it with children and not roommates, it would cost $2.7M and our monthly payment would be $12,177 a month in mortgage, taxes, and insurance.”
Added up, that would be $146,000 a year... for 30 years.
Downing isn’t a public employee; she’s a corporate counsel at ServiceNow, an IT company in Santa Clara. Her husband works for Peter Thiel’s software company Palantir. What’s happening to them now long ago happened to the city’s workforce: less than 10 percent of city employees live in Palo Alto.
Her departure doesn’t just show what’s wrong with urban housing policy. It shows how it gets worse. Restrictive housing policies are expensive, and advocates can’t afford to fight forever.