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This test consists of 5 multiple choice questions, 5 short answer questions, and 10 short essay questions.

Multiple Choice Questions

1. In 2019, how much did the largest banks in America charge customer in overdraft fees?
(a) $9.63 billion.
(b) $11 million.
(c) $5 million.
(d) $11.68 blllion.

2. In 2020, how much did Americans spend on their pets?
(a) $50 million.
(b) Over $100 billion.
(c) $105 million.
(d) About $80 billion.

3. According to a study, how many poor people in America were working-age adults disconnected from the labor market for unknown reasons?
(a) 10 in 200.
(b) 5 in 150.
(c) 3 in 100.
(d) 15 in 300.

4. When tenements began appearing in new York City in the mid-1800s, how much higher was the rent in the slums than that of better apartments uptown?
(a) 35 percent.
(b) 30 percent.
(c) 20 percent.
(d) 25 percent.

5. How much could be raised by stopping the mortgage interest deduction?
(a) $32 billion.
(b) $12 billion.
(c) $25 billion.
(d) $17 billion.

Short Answer Questions

1. In what state did nearly everyone eligible for food stamps enroll?

2. How were elderly people notified about food stamps that caused them to sign up?

3. What magazine featured a cover story that had a photo of a gold-plated manhole cover?

4. In December 2021, by what percent did eviction filings fall in Austin?

5. When Blacks moved north during the Great Migration, how much more did they often have to pay than white tenants paid?

Short Essay Questions

1. How and why did poverty rates fall during the COVID pandemic?

2. What challenges did Blacks face with banking?

3. What are some ways to be exploited?

4. At the beginning of Chapter 6, what examples did Desmond provide to show how rich Americans were at the time the book was written?

5. How did many white families respond to court-ordered desegration?

6. In some parts of America, what did a pricey mortgage purchased?

7. In what way were individuals considered to be above the poverty line dependent upon the government?

8. What was a main reason why low-income Americans were not taking full advantage of government programs?

9. Why did Desmond believe that deeper antipoverty investments were not required?

10. How did rent increase from 2000 to 2021?

(see the answer keys)

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