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Notes to Chapter 22 633

43. National Association for the Education of Homeless Children and Youth (NAEHCY) and First Fo-
cus, “A Critical Moment: Child and Youth Homelessness in Our Nation’s Schools,” July 2010, p. 2. In early
2010, NAEHCY and First Focus conducted a survey of 2,200 school districts. When they were asked the
reasons for the increased enrollment of students experiencing homelessness, 62% cited the economic
downturn, 40% attributed it to greater school and community awareness of homelessness, and 38% cited
problems stemming from the foreclosure crisis.
44. Dr. Heath Morrison, testimony before the FCIC, Hearing on the Impact of the Financial Crisis—
State of Nevada, session 4: The Impact of the Financial Crisis on Nevada Public and Community Services,
September 8, 2010, transcript, pp. 261–64.
45. Gail Burks, testimony before the FCIC, Hearing on the Impact of the Financial Crisis—State of
Nevada, session 3: The Impact of the Financial Crisis on Nevada Real Estate, September 8, 2010, tran-
script, pp. 230–31.
46. Karen Mann, president and chief appraiser, Mann and Associates Real Estate Appraisers & Con-
sultants, written testimony for the FCIC, Hearing on the Impact of the Financial Crisis—Sacramento,
session 2: Mortgage Origination, Mortgage Fraud and Predatory Lending in the Sacramento Region, Sep-
tember 23, 2010, p. 12; oral testimony, p. 66.
47. Dawn Hunt, homeowner in Cape Coral, FL, interview by FCIC, December 20, 2010.
48. Zip code 33991, default, foreclosures and REO, S&P Global Data Solutions RMBS database, July
2010.
49. Hunt, interview.