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</html><thumbnail_url>https://newcities.org/wp-content/uploads/2020/09/samule-sun-lqispltobr8-unsplash.jpg</thumbnail_url><thumbnail_width>1200</thumbnail_width><thumbnail_height>690</thumbnail_height><description>If there&#x2019;s anything the year of 2020 has shown us, it&#x2019;s that institutional structures and government policy really do guide what the outcomes are in our society. This is perhaps nowhere more vividly true than in the matter of housing, where racial disparities and lack of affordability persist, associated with years of rules and regulations&#x2026;</description></oembed>
