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With existing technology, private enterprise unaided cannot meet the needs of the millions of low-income families living in substandard housing. Without a carrot of high caloric content the building industry is unable-in an era in which development costs are rising faster than the personal income of the poor-to produce an adequate supply of housing for families with incomes below the median.3 As the Senate Committee on Banking and Currency has noted :'

Rent Supplements and the Subsidy Dilemma. The Equity of a Selective Subsidy System