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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. By what percent had median rent increased since 2000 in the West?
(a) 189 percent.
(b) 112 percent.
(c) 135 percent.
(d) 192 percent.

2. When did Kansas senator Roger Marshall declare that the main "impediment" (85) to his state's sagging labor market was unemployment insurance paying people not to work?
(a) July 2023.
(b) May 2022.
(c) June 2021.
(d) August 2020.

3. In Texas, what could the annual percentage rate reach on a two-week loan?
(a) 398.
(b) 664.
(c) 460.
(d) 516.

4. At what rate were the 400 richest Americans taxed?
(a) 19%.
(b) 44%.
(c) 23%.
(d) 36%.

5. How many residents in Stockton, California, were given $500 a month with no strings attached?
(a) 125.
(b) 218.
(c) 75.
(d) 230.

Short Answer Questions

1. When did Congress pass federal legislation abolishing housing discrimination?

2. Every year between overdraft fees, check cashing fees, and payday loan fees, how much in fees were collected from low-income Americans?

3. 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?

4. After the Great Recession that began in 2008, how long did families in the bottom half of the income distribution have to wait before their incomes returned to pre-recession levels?

5. What might the average borrower of a pay day loan pay in fees to borrow $375?

Short Essay Questions

1. What challenges did Blacks face with banking?

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

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

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

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

6. What was the problem with private fortunes outpacing investments in public services?

7. What were some laws that served as walls to keep out the poor?

8. What were some ways social scientists and policymakers attempted to move low-income families to promising neighborhoods?

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

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

(see the answer keys)

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