Copyright ©2014. Federal Reserve Bank of San Francisco and Urban Institute. This book may be reproduced in whole or in part provided that it is:

  1. For noncommercial, personal, or educational purposes only (i.e., not for private gain), and
  2. Appropriately credited to its author or authors, the Federal Reserve Bank of San Francisco, and the Urban Institute.

The views expressed herein do not necessarily reflect the views of the Federal Reserve Bank of San Francisco, the Federal Reserve System, or the Urban Institute.