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The federally-backed insurance allowed homebuyers and private mortgage providers to take a greater risk on mortgages that had a 25% down payment. [ 47 ] From the 1950s to the 1970s, the government built "dedicated affordable rental stock and public housing".
Also, many providers and practitioners in the United States are only beginning to realize that the institution of mental healthcare lacks knowledge and competence of many non-Western cultures, leaving providers in the United States ill-equipped to treat patients from different cultures. [78]