Tuesday, February 9, 2021

JOE BIDEN'S ANCHOR BABIES FOR 18 YEARS OF WELFARE - NO WONDER AMERICAN CAN'T HELP OUR OWN! - WE ARE BREEDING ANOTHER GENERATION OF 'CHEAP' MEXICAN LABOR BY EXPANDING THE MEX WELFARE STATE

THE COUNTY OF LOS ANGELES ALONE HANDS OUT MORE THAN A BILLION DOLLARS YEARLY FOR MEXICO'S ANCHODR BABIES AND OPENLY ENCOURAGES ILLEGALSS TO JUMP THE BORDERS FOR WAITING WELFARE CHECKS. THIS SAME COUNTY HAS 100,000 HOMELESS LEGALS LIVING UNDER BRIDGES AND ON STREETS.


Study: Nearly 5M Anchor Babies in U.S.

MCALLEN, TX - AUGUST 15: A pregnant Honduran immigrant stands in line with fellow immigrants for a bus to a U.S. destination on August 15, 2016 from McAllen, Texas. Central American immigrant families, who had crossed into Texas through Mexico, are processed at a U.S. Border Patrol center, given temporary …
John Moore/Getty Images
2:57

Nearly five million United States-born children of illegal aliens, given birthright American citizenship, now reside in the country, new estimates indicate.

The Federation for American Immigration Reform (FAIR), in its latest illegal alien population estimates, approximates that about 4,964,000 U.S.-born children of illegal aliens live in the U.S. today. These children, commonly referred to as “anchor babies,” immediately obtain birthright citizenship and anchor their illegal or foreign parents in the country.

FAIR’s analysis reveals that California, with its expansive sanctuary state policy, is home to more than a million anchor babies, while nearly 715,000 reside in Texas and another 381,000 reside in Florida.

The totals are significant as the last anchor baby population data was released in 2017 by the Congressional Budget Office (CBO), which estimated that about 4.5 million anchor babies below 18-years-old resided in the U.S.

Analysis by the Center for Immigration Studies (CIS) finds that, on average, roughly 300,000 anchor babies are born to illegal aliens every year and about 72,000 anchor babies are born to foreign tourists, foreign visa workers, and foreign students every year.

All of these U.S.-born children, and their parents, benefit immensely from the nation’s birthright citizenship policy that guarantees American citizenship to anyone, regardless of their ties to the country, born within the parameters of the U.S.

For years, former President Trump had said he was readying a plan to end birthright citizenship with an executive order that likely would have been challenged by open borders organizations, forcing the issue potentially up to the U.S. Supreme Court.

Trump, though, did not sign any such order while in office.

To date, the U.S. Supreme Court has never explicitly ruled that the U.S.-born children of illegal aliens must be granted automatic American citizenship, and a number of legal scholars dispute the idea.

Many leading conservative scholars argue the Citizenship Clause of the 14th Amendment does not provide mandatory birthright citizenship to the U.S.-born children of illegal aliens or noncitizens, as these children are not subject to U.S. jurisdiction as that language was understood when the 14th Amendment was ratified.

Today’s anchor baby population exceeds the annual number of U.S. births by roughly one million. Research from 2018 finds that the U.S.-births of illegal aliens costs American taxpayers about $2.4 billion every year.

John Binder is a reporter for Breitbart News. Email him at jbinder@breitbart.com.


Biden Plan to Increase Refugees This Year Twists the Refugee Act of 1980

Refugee Resettlement
Alexander Zemlianichenko/AP
13:39

President Biden’s proposal to increase the FY 2021 refugee resettlement ceiling to 62,500, first reported by CNN on Friday, twists and contorts the Refugee Act of 1980, which authorizes the president to set the annual refugee resettlement ceiling for each fiscal year in a letter sent to Congress the month before the fiscal year begins.

The law also allows the president to increase previously established annual refugee resettlement ceilings under “emergency” circumstances after consulting with Congress. Such authority has been rarely used during the four decades the Refugee Admissions Program has been in operation.

The most recently updated version of the U.S. Code Annotated (Title 8, Chapter 12, Subchapter II, Part I, § 1157) which states the law regarding the establishment of annual refugee ceilings, essentially unchanged since it was first codified in the Refugee Act of 1980, reads:

§1157. Annual admission of refugees and admission of emergency situation refugees

(a) Maximum number of admissions; increases for humanitarian concerns; allocations

(1) Except as provided in subsection (b), the number of refugees who may be admitted under this section in fiscal year 1980, 1981, or 1982, may not exceed fifty thousand unless the President determines, before the beginning of the fiscal year and after appropriate consultation (as defined in subsection (e)), that admission of a specific number of refugees in excess of such number is justified by humanitarian concerns or is otherwise in the national interest.

(2) Except as provided in subsection (b), the number of refugees who may be admitted under this section in any fiscal year after fiscal year 1982 shall be such number as the President determines, before the beginning of the fiscal year and after appropriate consultation, is justified by humanitarian concerns or is otherwise in the national interest. (emphasis added)

(3) Admissions under this subsection shall be allocated among refugees of special humanitarian concern to the United States in accordance with a determination made by the President after appropriate consultation.

(4) In the determination made under this subsection for each fiscal year (beginning with fiscal year 1992), the President shall enumerate, with the respective number of refugees so determined, the number of aliens who were granted asylum in the previous year.

(b) Determinations by President respecting number of admissions for humanitarian concerns

If the President determines, after appropriate consultation, that (1) an unforeseen emergency refugee situation exists, (2) the admission of certain refugees in response to the emergency refugee situation is justified by grave humanitarian concerns or is otherwise in the national interest, and (3) the admission to the United States of these refugees cannot be accomplished under subsection (a), the President may fix a number of refugees to be admitted to the United States during the succeeding period (not to exceed twelve months) in response to the emergency refugee situation and such admissions shall be allocated among refugees of special humanitarian concern to the United States in accordance with a determination made by the President after the appropriate consultation provided under this subsection. (emphasis added)

But on Friday, the Biden administration reportedly told Congress it intended to invoke that rarely used authority now for the remaining nine months of FY 2021.

“The Biden administration told Congress on Friday that it is proposing to increase the refugee cap for the current fiscal year from 15,000 spots — a historic low set by President Trump — to 62,500 spots, two people familiar with the plan told CBS News,” CBS News reported that same day.

In September 2020, then-President Trump sent a letter to Congress setting the refugee resettlement ceiling for FY 2021,which began on October 1, 2020 and continues until September 30, 2021, at 15,000.

With most states in the country currently operating under lockdown rules imposed after the formal declaration of public health emergency due to the coronavirus pandemic, and the Biden administration undertaking a series of open borders immigration acts, it is unclear what legal argument is being made by White House officials to persuade Congress that refugees seeking to enter the United States are living in the kind of international “emergency” conditions specified in the law sufficient to justify the mid-year refugee ceiling increase.

The law requires consultation with Congress in part to ensure that the additional expense to taxpayers caused by a sudden mid-year increase in refugee admissions can be incorporated into the current year’s fiscal budget. Given the huge budget deficits in FY 2021 exacerbated by the coronavirus pandemic, and recent proposals by the Biden administration to further increase COVID-19 related expenditures for domestic purposes, Congressional reaction to further spending to increase refugee resettlement in FY 2021 by 47,500 additional admissions is also unclear.

In contrast, critics of the Biden administration’s immigration policies have great clarity in their opposition to the proposed mid-year increase in refugee admission.

“The Biden administration is in the process of creating a refugee and asylum emergency with the policies they’ve introduced over the past few weeks,” Ira Mehlman, media director for the Federation for American Immigration Reform, told Breitbart News.

“We don’t need to be inducing a new crisis. Resettling a large number of people in the United States [in the last nine months of FY 2021] is not the most efficient way to deal with the issue of refugees,” Mehlman added.

As Breitbart News reported:

President Joe Biden announced Thursday that he plans to raise the annual refugee admissions ceiling to 125,000 in the 12-month period beginning October 1, up from the 15,000 cap proposed by the previous administration.

The president accused his predecessor of damaging the U.S. Refugee Admissions Program by lowering the number of refugees allowed to enter the United States, adding that restoring the program will take time.

“It’s going to take time to rebuild what has been so badly damaged, but that’s precisely what we’re going to do,” he declared during a speech Thursday at the U.S. State Department, adding:

Today, I’m approving an executive order to begin the hard work of restoring our refugee admissions program to help meet the unprecedented global need. … This executive order will position us to be able to raise the refugee admissions back up to 125,000 persons for the first full fiscal year [2022] of the Biden-Harris administration.

Fiscal Year (FY) 2022 will run from October 1, 2021 to September 30, 2022.

Breitbart News subsequently reported:

In Fiscal Year 2020, the Trump administration admitted less than 12,000 refugees as the program was largely halted to slow the spread of the Chinese coronavirus and only emergency cases were processed. Biden’s increase means that the U.S. will likely see a nearly 960 percent increase in refugee resettlement this year, despite the ongoing crisis.

Nine refugee contractors — who have a vested interest in ensuring as many refugees are resettled across the U.S. as possible because their annual federally-funded budgets are contingent on the number of refugees they resettle — are celebrating Biden’s order.

The contractors include:

Church World Service (CWS), Ethiopian Community Development Council (ECDC), Episcopal Migration Ministries (EMM), Hebrew Immigrant Aid Society (HIAS), International Rescue Committee (IRC), U.S. Committee for Refugees and Immigrants (USCRI), Lutheran Immigration and Refugee Services (LIRS), U.S. Conference of Catholic Bishops (USCCB), and World Relief Corporation (WR).

“There is more to be done to fully restore welcome, but for now, we’re celebrating!” wrote CWS officials while HIAS and USCRI officials thanked Biden.

On Thursday, February 4, President Biden signed an executive order, “Executive Order on Rebuilding and Enhancing Programs to Resettle Refugees and Planning for the Impact of Climate Change on Migration,” which was seen as a first step in paving the way to gear these nine refugee contractors back up to be able to process the 125,000 refugees the president has said he will be inviting into the country under the new FY 2022 ceiling, stated, in part:

Section 1. Policy. The long tradition of the United States as a leader in refugee resettlement provides a beacon of hope for persecuted people around the world, promotes stability in regions experiencing conflict, and facilitates international collaboration to address the global refugee crisis. Through the United States Refugee Admissions Program (USRAP), the Federal Government, cooperating with private partners and American citizens in communities across the country, demonstrates the generosity and core values of our Nation, while benefitting from the many contributions that refugees make to our country. Accordingly, it shall be the policy of my Administration that:

(a) USRAP and other humanitarian programs shall be administered in a manner that furthers our values as a Nation and is consistent with our domestic law, international obligations, and the humanitarian purposes expressed by the Congress in enacting the Refugee Act of 1980, Public Law 96-212.

(b) USRAP should be rebuilt and expanded, commensurate with global need and the purposes described above.

(c) Delays in administering USRAP and other humanitarian programs are counter to our national interests, can raise grave humanitarian concerns, and should be minimized.

(d) Security vetting for USRAP applicants and applicants for other humanitarian programs should be improved to be more efficient, meaningful, and fair, and should be complemented by sound methods of fraud detection to ensure program integrity and protect national security.

(e) Although access to United States humanitarian programs is generally discretionary, the individuals applying for immigration benefits under these programs must be treated with dignity and respect, without improper discrimination on the basis of race, religion, national origin, or other grounds, and should be afforded procedural safeguards.

(f) United States humanitarian programs should be administered in a manner that ensures transparency and accountability and reflects the principle that reunifying families is in the national interest.

(g) My Administration shall seek opportunities to enhance access to the refugee program for people who are more vulnerable to persecution, including women, children, and other individuals who are at risk of persecution related to their gender, gender expression, or sexual orientation.

(h) Executive departments and agencies (agencies) should explore the use of all available authorities for humanitarian protection to assist individuals for whom USRAP is unavailable.

(i) To meet the challenges of restoring and expanding USRAP, the United States must innovate, including by effectively employing technology and capitalizing on community and private sponsorship of refugees, while continuing to partner with resettlement agencies for reception and placement.

That order also revoked two executive orders  and one presidential memorandum signed by President Trump:

(a) Executive Order 13815 of October 24, 2017 (Resuming the United States Refugee Admissions Program With Enhanced Vetting Capabilities), and Executive Order 13888 of September 26, 2019 (Enhancing State and Local Involvement in Refugee Resettlement), are revoked.

(b) The Presidential Memorandum of March 6, 2017 (Implementing Immediate Heightened Screening and Vetting of Applications for Visas and Other Immigration Benefits, Ensuring Enforcement of All Laws for Entry Into the United States, and Increasing Transparency Among Departments and Agencies of the Federal Government and for the American People), is revoked.

Reductions in refugee admissions from 85,000 in the Obama administration’s final full fiscal year (FY 2016) to 12,000 in the Trump administration’s final full fiscal year (FY 2020) have had a devastating effect on the nine refugee contractors, causing all of them to reduce staff and shut down offices.

Friday’s report that the Biden administration is seeking to increase the number of refugees admitted to 62,500 in FY 2021 and 125,000 in FY 2022 is seen by critics as a federal government bailout to keep the nine refugee contractors afloat.


ICE Raid to Arrest Illegal Alien Sex Offenders Cancelled at Last Minute

AP Photo
AP Photo/LM Otero
2:02

The Immigration and Customs Enforcement (ICE) agency reportedly canceled a scheduled multi-state raid that would have netted the arrests of charged and convicted illegal alien sex offenders.

First detailed in the Washington Post, Operation Talon — a multi-state ICE raid to arrest illegal alien sex offenders — was scheduled for this month after agents spent thousands of hours nailing down the locations of their targets and obtaining warrants.

The night before agents were supposed to hit the streets, the raid was canceled, according to a source familiar with the operation’s details.

Senior ICE officials claimed in discussions with the Post that President Joe Biden’s administration “had nothing to do with that decision.” Typically, top ICE officials would be responsible for such decisions, often in coordination with senior Department of Homeland Security (DHS) officials who stay in close contact with the White House.

The cancelation of the raid comes as the Biden administration seeks to cripple interior immigration enforcement with an order to halt most deportations of illegal aliens, an upcoming set of guidelines that will keep convicted illegal alien drug dealers and assault perpetrators in the United States, and a dismantling of the legal wall at the U.S.-Mexico border that has kept illegal immigration at bay during the Chinese coronavirus crisis.

Already, the Biden policies are resulting in the restarting of the Catch and Release program — where border crossers are apprehended and then freed into the U.S. interior — without having to be tested for the coronavirus. Unofficial totals reveal that Catch and Release has skyrocketed with at least 1,000 border crossers released this month thus far.

ICE officials did not respond to a request for comment in time for this publication.

John Binder is a reporter for Breitbart News. Email him at jbinder@breitbart.com.

Tom Cotton: Joe Biden Will Keep Foreign Drug Dealers in U.S.

New York Frees Six Drug Dealers Accused of Running $7M Fentanyl Ring
SNPNYC
4:36

Sen. Tom Cotton (R-AR) slammed President Joe Biden’s administration amid evidence that his deputies want to minimize the deportation of illegal migrants who are caught dealing deadly drugs.

“It’s the Biden administration policy to allow illegal aliens to stay in America even after they: -Deal fentanyl and heroin -Commit fraud -Commit assault -Drive drunk -Launder money,” Cotton tweeted February 8.

“More than 80,000 Americans died from drug overdoses last year. And the Biden administration just announced that deporting illegal alien cartel members who deal with fentanyl and heroin is no longer a priority for his administration,” he added.

For more than 20 years, many Americans have been killed by drunk-driving illegals, including many killed after federal and state officials decide not to deport illegals.

The Washington Post reported February 7 how Biden’s deputies are changing deportation priorities for the Immigration and Customs Enforcement agency:

While ICE’s new operational plans are not yet final, interim instructions sent to senior officials point to a major shift in enforcement. Agents will no longer seek to deport immigrants for crimes such as driving under the influence and assault, and will focus instead on national security threats, recent border crossers and people completing prison and jail terms for aggravated felony convictions.

“Generally, these convictions would not include drug based crimes (less serious offenses), simple assault, DUI, money laundering, property crimes, fraud, tax crimes, solicitation, or charges without convictions,” acting director Tae Johnson told senior officials in a Thursday email advising them on how to operate while new guidelines are finalized.

“The priority for the enforcement of immigration laws will be on those who are imposing a national security threat, of course, a public safety threat, and on recent arrivals,” Biden spokeswoman Jen Psaki said in the February 8 White House press briefing:

Nobody is saying that DUIs or assaults are acceptable behavior, and those arrested for such activities should be tried and sentenced as appropriate by local law enforcement. But we’re talking about the prioritization of who is going to be deported from the country.

The priority list for deportations also excludes migrants who take American’ jobs and wages. This policy will largely abandon the task of protecting Americans’ right to a national labor market.

Biden has repeatedly declared he wants to make the nation’s immigration system more “fair” to migrants. Since January 20, he has minimized deportations, stopped construction of the border wall, offered an amnesty to migrants, broken anti-migration deals with three counties, and has lowered legal barriers to migration.

However, he has said little or nothing about how he will protect Americans’ rights, wages, safe streets, and reasonable housing from foreign criminals or job seekers. A February 2 statement said:

President Biden’s strategy is centered on the basic premise that our country is saferstronger, and more prosperous with a fair, safe and orderly immigration system that welcomes immigrants, keeps families together, and allows people—both newly arrived immigrants and people who have lived here for generations—to more fully contribute to our country.

Amid Biden’s inrush of migrants and shutdown of deportations, more than 20 million Americans are unemployed or are stuck in part-time jobs.

Biden is also rolling back protections for American graduates, who have lost at least one million jobs because Fortune 500 CEOs and their subcontractors have hired more than 1 million foreign graduates for jobs sought by Americans.

In a separate tweet, Cotton lambasted Biden’s team for dropping a rule that would protect American graduate from losing jobs to H-1B graduate visa-workers who are willing to work for low wages in the hope of getting green cards:

For years, a wide variety of pollsters have shown deep and broad opposition to labor migration — or the hiring of temporary contract workers into the jobs sought by young U.S. graduates.

The multiracialcross-sexnon-racistclass-basedpriority-driven, and solidarity-themed opposition to labor migration coexists with generally favorable personal feelings toward legal immigrants and immigration in theory.


Joe Biden Expected to Roll Back Deportations for Illegal Alien Drunk Drivers, Assailants

President Joe Biden signs a series of executive orders on health care, in the Oval Office of the White House, Thursday, Jan. 28, 2021, in Washington. (AP Photo/Evan Vucci)
AP Photo/Evan Vucci
3:53

President Joe Biden’s administration is expected to roll back deportations starting this week for illegal aliens who have been convicted of drunk driving, simple assault, and a number of drug crimes.

Internal communications reviewed by the Washington Post, and nearly confirmed by White House press secretary Jen Psaki, details how the Immigration and Customs Enforcement (ICE) agency under Biden’s direction will not prioritize deportations for illegal aliens convicted of a number of crimes, all of which have American victims.

The Post reports:

Agents will no longer seek to deport immigrants for crimes such as driving under the influence and assault, and will focus instead on national security threats, recent border crossers and people completing prison and jail terms for aggravated felony convictions. [Emphasis added]

“Generally, these convictions would not include drug based crimes (less serious offenses), simple assault, DUI, money laundering, property crimes, fraud, tax crimes, solicitation, or charges without convictions,” acting director Tae Johnson told senior officials in a Thursday email advising them on how to operate while new guidelines are finalized. [Emphasis added]

The draft guidelines are awaiting approval by Department of Homeland Security Secretary Alejandro Mayorkas, who was confirmed by the Senate on Tuesday. [Emphasis added]

The internal emails sent to ICE agents suggests illegal aliens are only considered threats to the public if they are convicted of aggravated felonies, can be proven to be gang members, or have a history of violence.

In cases where an illegal alien’s aggravated felony is 10 years old, though, ICE agents will not prioritize their arrest or deportation. Similarly, an illegal alien’s gang tattoos will no longer be enough to classify their affiliation with a gang and thus, they will not be a priority.

“Is the Biden administration really saying that drunk driving isn’t a public safety threat?” former acting ICE Director Thomas Homan asked, speaking to Breitbart News. “Tell that to the Angel Moms whose children were killed by illegal alien drunk drivers.”

Also part of the new guidelines expected this week is a provision forcing agents to get approval from acting ICE Director Tae Johnson to make arrests of any illegal aliens who are not in prisons or jails. As part of that approval process, agents would have to justify to Johnson why the illegal alien should get priority for arrest and deportation.

“It’s designed to slow the process,” Homan said of the guideline.

For context, ICE arrests tens of thousands of illegal aliens every year who are convicted of have pending charges for crimes like drunk driving, assault, drug possession, and fraud. In 2019, for example, illegal aliens arrested by ICE had more than 74,500 convictions or charges involving drunk driving, more than 68,000 charges or convictions of traffic offenses, nearly 46,000 charges or convictions for assault, and more than 12,000 charges or convictions for fraud.

Under Biden’s new guidelines, most of these illegal aliens would not be prioritized for arrest or deportation and thus allowed to remain in the United States. Even if any of these illegal aliens would fit the criteria for arrest and deportation, their arrest would have to be approved by the Acting ICE Director if they are no longer in prison or jail.

“I knew they would move left but I didn’t think they would move to such an incompetent position,” Homan said. “These people are here in violation of federal law. You’re telling ICE to ignore that.”

John Binder is a reporter for Breitbart News. Email him at jbinder@breitbart.com. 


Democratic Senators OK Removal of Migration Barrier

Migrants part of the Remain in Mexico policy wait at the entrance to the Paso del Norte International Bridge on February 28, 2020, in Ciudad Juárez. - Migrant Protection Protocols, better known as the Remain in Mexico Policy was blocked by the United States Court of Appeals for the Ninth …
PAUL RATJE/AFP via Getty Images
4:24

All Democrat Senators voted against an amendment to preserve the Remain in Mexico barrier to migrants — including five Democrat Senators who face tough races in 2022.

The five Senators cast their unpopular votes in a February 4, multi-amendment “vote-a-rama” debate. The rare debate was required by the multi-stage process to create a far-reaching “reconciliation” bill that can be voted through the Senate with a bare majority.

President Joe Biden and his progressive deputies are canceling the Remain in Mexico Program, which is also titled the Migrant Protection Protocols. The program was created by President Trump to exclude economic migrants from the U.S. labor market while they wait for asylum judges to hear their claims. The program was a complete success, and it slashed migrant arrivals from roughly 144,000 in May 2019 to 45,000 in October 2020.

The program works because it breaks the coyotes’ conveyer belt by preventing migrants from repaying their smuggling debts with wages earned at U.S. jobs.

Pro-migration groups hate the program and claim that it exposes migrants to dangers in Mexico while they wait for asylum hearings. But the program also reduces overall harm because it sharply reduces the number of migrants who are enticed to enter the obstacle course migration system for blue-collar migrants — a chaotic Hunger Games trail of loanscoyotescartelsrapedesertsweatherborder lawsbarriersrescuerstransportjudges, and cheap-labor employers.

Sen Lindsey Graham (R-SC) proposed the amendment to the program, saying:

If we end the “Remain in Mexico” policy for asylum seekers, it will lead to a run on our border and complicate efforts to reform the immigration system. Over 50,000 asylum seekers have been waiting in Mexico rather than in the United States, where they often disappear while waiting in the 1 million-person asylum case backlog. This was an important change that the Trump administration put in place, and it is a serious mistake to reverse it.

Graham’s job-protecting measure was rejected by all Democratic Senators, including all of the Democratic Senators who face the voters in November 2022. They included five Senatore who narrowly won their elections:

Sen. Mark Kelly (D-AZ), who won his seat in 2020 with just 51.2 percent of the vote.

Sen. Michael Bennet (D-CO), who won his 2016 rate with just 50 percent of the vote

Sen. Raphael Warnock (D-GA), who won his January 2021 race with 51 percent of the vote.

Sen. Catherine Cortez Masto (D-NV), who won her race with 47 percent of the vote.

Sen. Maggie Hassan (D-NH), who won her race with 48 percent of the vote.

The five were joined by Sen. Tammy Duckworth (D-Il), who comfortably won her Illinois race with 54.9 percent of the vote in 2016.

Immigration votes have been a problem for Democratic Senators. For example, the Democrats lost five seats in the Senate in 2014 after they voted for the “Gang of Eight” cheap labor and amnesty bill.

For years, a wide variety of pollsters have shown deep and broad opposition to labor migration — or the hiring of temporary contract workers into the jobs sought by young U.S. graduates.

The multiracialcross-sexnon-racistclass-basedpriority-driven, and solidarity-themed opposition to labor migration coexists with generally favorable personal feelings toward legal immigrants and immigration in theory.

Decades of data and experiences have persuaded the vast majority of Americans — and many elite economists, lobbyists, and legislators — that migration moves money out of employees’ pockets and into the stock market wealth of investors and their progressive supporters.

Migration moves money from employees to employers, from families to investors, from young to old, from children to their parents, from homebuyers to real estate investors, and from the central states to the coastal states.

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