Environmental concern is a little like dieting or paying off credit-card debt - an episodically terrific idea that burns brightly and then seems to fade when we realize there's a reason we need to diet or pay down our debt. The reason is that it's really really hard and too many of us in too many spheres of life choose the easy over the hard.

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The FHA's success provides strong evidence that government can and should play a role in the nation's mortgage finance system. It also demonstrates that although government intervention in the economy during the Great Recession was messy things would have been a lot messier without it.