With 50% of our population financially at risk, there are less-fortunate forced to live in “slum-like” conditions. Single-mothers and their babies, working poor, grandparents, vets and minorities forced to accept “low-cost” housing with no hot water, toilets that do not flush, vermin, leaky roofs, and landlords who evict at the first sign of complaint, disregarding all regulations intended to protect tenants.