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T he federal government has a bewildering array of housing programs funded with tens of billions of dollars every year.'Just this year, the Department of Housing and Urban Development is creating" a new Energy Innovation Fund to catalyze private sector investment in the energy efficiency of the Nation's housing stock" as well as a" a new Choice Neighborhoods Initiative to make a range of transformative investments in high-poverty neighborhoods where public and assisted housing is concentrated.", 2 And the federal government will continue, of course, to fund and operate a dizzying array of existing programs, including in the broadest strokes: