Micro data over the life cycle shows different patterns of consumption for housing and non-housing goods: the consumption profile of non-housing goods is hump-shaped while the consumption profile for housing first increases monotonically and then flattens out. These patterns hold true at each consumption quartile. This paper develops a quantitative, dynamic general equilibrium model of life-cyc...

This paper explores the causes and consequences of cross-country variation in mortgage market structure. It draws on insights from several …elds: urban economics, asset pricing, behavioral …nance, …nancial intermediation, and macroeconomics. It discusses lessons from the credit boom, the challenges of mortgage modi…cation in the aftermath of the boom, consumer …nancial protection, and alternati...

Abstract Activation of CD8 +T cells against pathogens and cancers involves the recognition antigenic peptides presented in complex with human leukocyte antigen (HLA) class-I proteins. Peptide binding to HLA-I proteins is coordinated by a multi-protein called peptide loading (PLC). Tapasin, key PLC component, facilitates optimization peptides. However, different allotypes have variable requireme...

The paper describes within-neighborhood economic segregation in U.S. metropolitan areas in 1985 and 1993. It uses the neighborhood clusters of the American Housing Survey, standardized by metropolitan area income and household size, to explore income distribution within neighborhoods at a scale much smaller than the census tract (a representative sample of households or ‘kernels’ and their ten ...

This paper examines the impact of the combined U.S. state and federal mortgage interest deduction (MID) on homeownership attainment, using data from 1984 to 2007 and exploiting variation in the subsidy arising from changes in the MID within and across states over time. We test whether capitalization of the MID into house prices offsets the positive effect on homeownership. We find that the MID ...

In the title compound, [AgCl(C7H7N3O2S)(C18H15P)2], the AgI ion is in a distorted tetra-hedral coordination environment formed by P atoms from two tri-phenyl-phosphane ligands, one terminal S atom from the 1-(4-nitro-phen-yl)thio-urea ligand and a chloride ion. In the crystal, bifurcated (N-H)2⋯Cl hydrogen bonds [with graph-set motif R21(6)] connect complex mol-ecules, forming zigzag chains alo...

Abstract We use the U.S. Department of Housing and Urban Development’s Choice Voucher program as a setting to evaluate interaction homeownership race on wealth accumulation low-income households. Using within-treatment difference-in-differences framework, we establish that households receive assistance in owning home experience increased relative their tenure renters. These gains are not presen...