id	sid	tid	token	lemma	pos
inlawrev-3950	1	1	indiana	indiana	PROPN
inlawrev-3950	1	2	law	law	PROPN
inlawrev-3950	1	3	review	review	NOUN
inlawrev-3950	1	4	foreclosures	foreclosure	NOUN
inlawrev-3950	1	5	,	,	PUNCT
inlawrev-3950	1	6	integration	integration	NOUN
inlawrev-3950	1	7	,	,	PUNCT
inlawrev-3950	1	8	and	and	CCONJ
inlawrev-3950	1	9	the	the	DET
inlawrev-3950	1	10	future	future	NOUN
inlawrev-3950	1	11	of	of	ADP
inlawrev-3950	1	12	the	the	DET
inlawrev-3950	1	13	fair	fair	ADJ
inlawrev-3950	1	14	housing	housing	PROPN
inlawrev-3950	1	15	act	act	PROPN
inlawrev-3950	1	16	john	john	PROPN
inlawrev-3950	1	17	p.	p.	PROPN
inlawrev-3950	1	18	relman	relman	NOUN
inlawrev-3950	1	19	'	'	PART
inlawrev-3950	1	20	introduction	introduction	NOUN
inlawrev-3950	1	21	in	in	ADP
inlawrev-3950	1	22	their	their	PRON
inlawrev-3950	1	23	seminal	seminal	ADJ
inlawrev-3950	1	24	work	work	NOUN
inlawrev-3950	1	25	,	,	PUNCT
inlawrev-3950	1	26	american	american	ADJ
inlawrev-3950	1	27	apartheid	apartheid	NOUN
inlawrev-3950	1	28	,	,	PUNCT
inlawrev-3950	1	29	douglas	douglas	PROPN
inlawrev-3950	1	30	massey	massey	PROPN
inlawrev-3950	1	31	and	and	CCONJ
inlawrev-3950	1	32	nancy	nancy	PROPN
inlawrev-3950	1	33	denton	denton	PROPN
inlawrev-3950	1	34	compellingly	compellingly	ADV
inlawrev-3950	1	35	chronicle	chronicle	PROPN
inlawrev-3950	1	36	the	the	DET
inlawrev-3950	1	37	way	way	NOUN
inlawrev-3950	1	38	in	in	ADP
inlawrev-3950	1	39	which	which	PRON
inlawrev-3950	1	40	residential	residential	ADJ
inlawrev-3950	1	41	spatial	spatial	ADJ
inlawrev-3950	1	42	segregation	segregation	NOUN
inlawrev-3950	1	43	in	in	ADP
inlawrev-3950	1	44	america	america	PROPN
inlawrev-3950	1	45	's	's	PART
inlawrev-3950	1	46	cities	city	NOUN
inlawrev-3950	1	47	has	have	AUX
inlawrev-3950	1	48	contributed	contribute	VERB
inlawrev-3950	1	49	to	to	ADP
inlawrev-3950	1	50	the	the	DET
inlawrev-3950	1	51	growth	growth	NOUN
inlawrev-3950	1	52	of	of	ADP
inlawrev-3950	1	53	an	an	DET
inlawrev-3950	1	54	african	african	ADJ
inlawrev-3950	1	55	-	-	PUNCT
inlawrev-3950	1	56	american	american	ADJ
inlawrev-3950	1	57	underclass	underclass	NOUN
inlawrev-3950	1	58	that	that	PRON
inlawrev-3950	1	59	threatens	threaten	VERB
inlawrev-3950	1	60	to	to	PART
inlawrev-3950	1	61	make	make	VERB
inlawrev-3950	1	62	urban	urban	ADJ
inlawrev-3950	1	63	poverty	poverty	NOUN
inlawrev-3950	1	64	and	and	CCONJ
inlawrev-3950	1	65	racial	racial	ADJ
inlawrev-3950	1	66	injustice	injustice	NOUN
inlawrev-3950	1	67	a	a	DET
inlawrev-3950	1	68	permanent	permanent	ADJ
inlawrev-3950	1	69	fixture	fixture	NOUN
inlawrev-3950	1	70	of	of	ADP
inlawrev-3950	1	71	american	american	ADJ
inlawrev-3950	1	72	society.^	society.^	PROPN
inlawrev-3950	1	73	central	central	ADJ
inlawrev-3950	1	74	to	to	ADP
inlawrev-3950	1	75	their	their	PRON
inlawrev-3950	1	76	argument	argument	NOUN
inlawrev-3950	1	77	is	be	AUX
inlawrev-3950	1	78	the	the	DET
inlawrev-3950	1	79	evidence	evidence	NOUN
inlawrev-3950	1	80	that	that	SCONJ
inlawrev-3950	1	81	"	"	PUNCT
inlawrev-3950	1	82	hypersegregation	hypersegregation	NOUN
inlawrev-3950	1	83	,	,	PUNCT
inlawrev-3950	1	84	"	"	PUNCT
inlawrev-3950	1	85	or	or	CCONJ
inlawrev-3950	1	86	the	the	DET
inlawrev-3950	1	87	extreme	extreme	ADJ
inlawrev-3950	1	88	concentration	concentration	NOUN
inlawrev-3950	1	89	of	of	ADP
inlawrev-3950	1	90	poor	poor	ADJ
inlawrev-3950	1	91	blacks	black	NOUN
inlawrev-3950	1	92	in	in	ADP
inlawrev-3950	1	93	inner	inner	ADJ
inlawrev-3950	1	94	city	city	NOUN
inlawrev-3950	1	95	neighborhoods	neighborhood	NOUN
inlawrev-3950	1	96	,	,	PUNCT
inlawrev-3950	1	97	has	have	AUX
inlawrev-3950	1	98	left	leave	VERB
inlawrev-3950	1	99	many	many	ADJ
inlawrev-3950	1	100	minority	minority	NOUN
inlawrev-3950	1	101	communities	community	NOUN
inlawrev-3950	1	102	vulnerable	vulnerable	ADJ
inlawrev-3950	1	103	to	to	ADP
inlawrev-3950	1	104	a	a	DET
inlawrev-3950	1	105	socioeconomic	socioeconomic	ADJ
inlawrev-3950	1	106	"	"	PUNCT
inlawrev-3950	1	107	downward	downward	ADJ
inlawrev-3950	1	108	spiral	spiral	NOUN
inlawrev-3950	1	109	"	"	PUNCT
inlawrev-3950	1	110	at	at	ADP
inlawrev-3950	1	111	the	the	DET
inlawrev-3950	1	112	slightest	slight	ADJ
inlawrev-3950	1	113	turn	turn	NOUN
inlawrev-3950	1	114	in	in	ADP
inlawrev-3950	1	115	the	the	DET
inlawrev-3950	1	116	economy.^	economy.^	NOUN
inlawrev-3950	1	117	relying	rely	VERB
inlawrev-3950	1	118	on	on	ADP
inlawrev-3950	1	119	empirical	empirical	ADJ
inlawrev-3950	1	120	data	datum	NOUN
inlawrev-3950	1	121	,	,	PUNCT
inlawrev-3950	1	122	massey	massey	PROPN
inlawrev-3950	1	123	and	and	CCONJ
inlawrev-3950	1	124	denton	denton	PROPN
inlawrev-3950	1	125	convincingly	convincingly	ADV
inlawrev-3950	1	126	explain	explain	VERB
inlawrev-3950	1	127	the	the	DET
inlawrev-3950	1	128	precise	precise	ADJ
inlawrev-3950	1	129	manner	manner	NOUN
inlawrev-3950	1	130	in	in	ADP
inlawrev-3950	1	131	which	which	PRON
inlawrev-3950	1	132	spatial	spatial	ADJ
inlawrev-3950	1	133	segregation	segregation	NOUN
inlawrev-3950	1	134	combines	combine	VERB
inlawrev-3950	1	135	negative	negative	ADJ
inlawrev-3950	1	136	social	social	ADJ
inlawrev-3950	1	137	and	and	CCONJ
inlawrev-3950	1	138	economic	economic	ADJ
inlawrev-3950	1	139	conditions	condition	NOUN
inlawrev-3950	1	140	to	to	PART
inlawrev-3950	1	141	push	push	VERB
inlawrev-3950	1	142	poor	poor	ADJ
inlawrev-3950	1	143	black	black	ADJ
inlawrev-3950	1	144	neighborhoods	neighborhood	NOUN
inlawrev-3950	1	145	beyond	beyond	ADP
inlawrev-3950	1	146	the	the	DET
inlawrev-3950	1	147	threshold	threshold	NOUN
inlawrev-3950	1	148	of	of	ADP
inlawrev-3950	1	149	stability.^	stability.^	NOUN
inlawrev-3950	1	150	as	as	SCONJ
inlawrev-3950	1	151	we	we	PRON
inlawrev-3950	1	152	mark	mark	VERB
inlawrev-3950	1	153	the	the	DET
inlawrev-3950	1	154	fortieth	fortieth	ADJ
inlawrev-3950	1	155	anniversary	anniversary	NOUN
inlawrev-3950	1	156	of	of	ADP
inlawrev-3950	1	157	the	the	DET
inlawrev-3950	1	158	passage	passage	NOUN
inlawrev-3950	1	159	of	of	ADP
inlawrev-3950	1	160	the	the	DET
inlawrev-3950	1	161	fair	fair	ADJ
inlawrev-3950	1	162	housing	housing	NOUN
inlawrev-3950	1	163	act	act	NOUN
inlawrev-3950	1	164	(	(	PUNCT
inlawrev-3950	1	165	"	"	PUNCT
inlawrev-3950	1	166	fha"),^	fha"),^	VERB
inlawrev-3950	1	167	the	the	DET
inlawrev-3950	1	168	lesson	lesson	NOUN
inlawrev-3950	1	169	of	of	ADP
inlawrev-3950	1	170	massey	massey	PROPN
inlawrev-3950	1	171	and	and	CCONJ
inlawrev-3950	1	172	denton	denton	PROPN
inlawrev-3950	1	173	's	's	PART
inlawrev-3950	1	174	study	study	NOUN
inlawrev-3950	1	175	could	could	AUX
inlawrev-3950	1	176	not	not	PART
inlawrev-3950	1	177	be	be	AUX
inlawrev-3950	1	178	more	more	ADV
inlawrev-3950	1	179	timely	timely	ADJ
inlawrev-3950	1	180	.	.	PUNCT
inlawrev-3950	2	1	it	it	PRON
inlawrev-3950	2	2	is	be	AUX
inlawrev-3950	2	3	beyond	beyond	ADP
inlawrev-3950	2	4	argument	argument	NOUN
inlawrev-3950	2	5	that	that	SCONJ
inlawrev-3950	2	6	four	four	NUM
inlawrev-3950	2	7	decades	decade	NOUN
inlawrev-3950	2	8	after	after	ADP
inlawrev-3950	2	9	the	the	DET
inlawrev-3950	2	10	death	death	NOUN
inlawrev-3950	2	11	of	of	ADP
inlawrev-3950	2	12	dr	dr	PROPN
inlawrev-3950	2	13	.	.	PROPN
inlawrev-3950	2	14	martin	martin	PROPN
inlawrev-3950	2	15	luther	luther	PROPN
inlawrev-3950	2	16	king	king	PROPN
inlawrev-3950	2	17	,	,	PUNCT
inlawrev-3950	2	18	we	we	PRON
inlawrev-3950	2	19	have	have	AUX
inlawrev-3950	2	20	yet	yet	ADV
inlawrev-3950	2	21	to	to	PART
inlawrev-3950	2	22	achieve	achieve	VERB
inlawrev-3950	2	23	anything	anything	PRON
inlawrev-3950	2	24	close	close	ADJ
inlawrev-3950	2	25	to	to	ADP
inlawrev-3950	2	26	the	the	DET
inlawrev-3950	2	27	integrated	integrated	ADJ
inlawrev-3950	2	28	living	living	NOUN
inlawrev-3950	2	29	patterns	pattern	NOUN
inlawrev-3950	2	30	that	that	PRON
inlawrev-3950	2	31	were	be	AUX
inlawrev-3950	2	32	central	central	ADJ
inlawrev-3950	2	33	to	to	ADP
inlawrev-3950	2	34	both	both	DET
inlawrev-3950	2	35	his	his	PRON
inlawrev-3950	2	36	dream	dream	NOUN
inlawrev-3950	2	37	and	and	CCONJ
inlawrev-3950	2	38	the	the	DET
inlawrev-3950	2	39	purposes	purpose	NOUN
inlawrev-3950	2	40	of	of	ADP
inlawrev-3950	2	41	that	that	DET
inlawrev-3950	2	42	historic	historic	ADJ
inlawrev-3950	2	43	law.^	law.^	SCONJ
inlawrev-3950	2	44	it	it	PRON
inlawrev-3950	2	45	is	be	AUX
inlawrev-3950	2	46	equally	equally	ADV
inlawrev-3950	2	47	clear	clear	ADJ
inlawrev-3950	2	48	,	,	PUNCT
inlawrev-3950	2	49	with	with	ADP
inlawrev-3950	2	50	the	the	DET
inlawrev-3950	2	51	advent	advent	NOUN
inlawrev-3950	2	52	of	of	ADP
inlawrev-3950	2	53	the	the	DET
inlawrev-3950	2	54	subprime	subprime	ADJ
inlawrev-3950	2	55	mortgage	mortgage	NOUN
inlawrev-3950	2	56	foreclosure	foreclosure	NOUN
inlawrev-3950	2	57	crisis	crisis	NOUN
inlawrev-3950	2	58	,	,	PUNCT
inlawrev-3950	2	59	that	that	SCONJ
inlawrev-3950	2	60	we	we	PRON
inlawrev-3950	2	61	now	now	ADV
inlawrev-3950	2	62	face	face	VERB
inlawrev-3950	2	63	an	an	DET
inlawrev-3950	2	64	economic	economic	ADJ
inlawrev-3950	2	65	tsunami	tsunami	NOUN
inlawrev-3950	2	66	with	with	ADP
inlawrev-3950	2	67	the	the	DET
inlawrev-3950	2	68	potential	potential	NOUN
inlawrev-3950	2	69	to	to	PART
inlawrev-3950	2	70	destroy	destroy	VERB
inlawrev-3950	2	71	decades	decade	NOUN
inlawrev-3950	2	72	of	of	ADP
inlawrev-3950	2	73	tentative	tentative	ADJ
inlawrev-3950	2	74	progress	progress	NOUN
inlawrev-3950	2	75	in	in	ADP
inlawrev-3950	2	76	america	america	PROPN
inlawrev-3950	2	77	's	's	PART
inlawrev-3950	2	78	inner	inner	ADJ
inlawrev-3950	2	79	city	city	NOUN
inlawrev-3950	2	80	black	black	ADJ
inlawrev-3950	2	81	and	and	CCONJ
inlawrev-3950	2	82	hispanic	hispanic	ADJ
inlawrev-3950	2	83	communities	community	NOUN
inlawrev-3950	2	84	.	.	PUNCT
inlawrev-3950	3	1	this	this	PRON
inlawrev-3950	3	2	is	be	AUX
inlawrev-3950	3	3	true	true	ADJ
inlawrev-3950	3	4	both	both	CCONJ
inlawrev-3950	3	5	because	because	SCONJ
inlawrev-3950	3	6	of	of	ADP
inlawrev-3950	3	7	the	the	DET
inlawrev-3950	3	8	exacerbating	exacerbating	ADJ
inlawrev-3950	3	9	effect	effect	NOUN
inlawrev-3950	3	10	of	of	ADP
inlawrev-3950	3	11	hypersegregation	hypersegregation	NOUN
inlawrev-3950	3	12	and	and	CCONJ
inlawrev-3950	3	13	because	because	SCONJ
inlawrev-3950	3	14	of	of	ADP
inlawrev-3950	3	15	the	the	DET
inlawrev-3950	3	16	legacy	legacy	NOUN
inlawrev-3950	3	17	of	of	ADP
inlawrev-3950	3	18	discrimination	discrimination	NOUN
inlawrev-3950	3	19	that	that	PRON
inlawrev-3950	3	20	has	have	AUX
inlawrev-3950	3	21	left	leave	VERB
inlawrev-3950	3	22	underserved	underserved	ADJ
inlawrev-3950	3	23	minority	minority	NOUN
inlawrev-3950	3	24	communities	community	NOUN
inlawrev-3950	3	25	particularly	particularly	ADV
inlawrev-3950	3	26	vulnerable	vulnerable	ADJ
inlawrev-3950	3	27	to	to	ADP
inlawrev-3950	3	28	the	the	DET
inlawrev-3950	3	29	predatory	predatory	ADJ
inlawrev-3950	3	30	practices	practice	NOUN
inlawrev-3950	3	31	of	of	ADP
inlawrev-3950	3	32	subprime	subprime	ADJ
inlawrev-3950	3	33	lenders	lender	NOUN
inlawrev-3950	3	34	and	and	CCONJ
inlawrev-3950	3	35	the	the	DET
inlawrev-3950	3	36	devastating	devastating	ADJ
inlawrev-3950	3	37	consequences	consequence	NOUN
inlawrev-3950	3	38	of	of	ADP
inlawrev-3950	3	39	foreclosure	foreclosure	NOUN
inlawrev-3950	3	40	that	that	PRON
inlawrev-3950	3	41	follow	follow	VERB
inlawrev-3950	3	42	close	close	ADV
inlawrev-3950	3	43	on	on	ADP
inlawrev-3950	3	44	the	the	DET
inlawrev-3950	3	45	forced	force	VERB
inlawrev-3950	3	46	abandonment	abandonment	NOUN
inlawrev-3950	3	47	of	of	ADP
inlawrev-3950	3	48	countless	countless	ADJ
inlawrev-3950	3	49	homes	home	NOUN
inlawrev-3950	3	50	.	.	PUNCT
inlawrev-3950	4	1	contrary	contrary	ADJ
inlawrev-3950	4	2	to	to	ADP
inlawrev-3950	4	3	those	those	PRON
inlawrev-3950	4	4	who	who	PRON
inlawrev-3950	4	5	point	point	VERB
inlawrev-3950	4	6	to	to	ADP
inlawrev-3950	4	7	the	the	DET
inlawrev-3950	4	8	lack	lack	NOUN
inlawrev-3950	4	9	of	of	ADP
inlawrev-3950	4	10	progress	progress	NOUN
inlawrev-3950	4	11	in	in	ADP
inlawrev-3950	4	12	achieving	achieve	VERB
inlawrev-3950	4	13	integration	integration	NOUN
inlawrev-3950	4	14	*	*	PUNCT
inlawrev-3950	4	15	managing	manage	VERB
inlawrev-3950	4	16	partner	partner	NOUN
inlawrev-3950	4	17	,	,	PUNCT
inlawrev-3950	4	18	relman	relman	PROPN
inlawrev-3950	4	19	&	&	CCONJ
inlawrev-3950	4	20	dane	dane	PROPN
inlawrev-3950	4	21	,	,	PUNCT
inlawrev-3950	4	22	pllc	pllc	PROPN
inlawrev-3950	4	23	.	.	PUNCT
inlawrev-3950	5	1	the	the	DET
inlawrev-3950	5	2	author	author	NOUN
inlawrev-3950	5	3	and	and	CCONJ
inlawrev-3950	5	4	relman	relman	PROPN
inlawrev-3950	5	5	&	&	CCONJ
inlawrev-3950	5	6	dane	dane	PROPN
inlawrev-3950	5	7	are	be	AUX
inlawrev-3950	5	8	lead	lead	ADJ
inlawrev-3950	5	9	counsel	counsel	NOUN
inlawrev-3950	5	10	for	for	ADP
inlawrev-3950	5	11	the	the	DET
inlawrev-3950	5	12	city	city	NOUN
inlawrev-3950	5	13	of	of	ADP
inlawrev-3950	5	14	baltimore	baltimore	PROPN
inlawrev-3950	5	15	in	in	ADP
inlawrev-3950	5	16	the	the	DET
inlawrev-3950	5	17	litigation	litigation	NOUN
inlawrev-3950	5	18	against	against	ADP
inlawrev-3950	5	19	wells	wells	PROPN
inlawrev-3950	5	20	fargo	fargo	PROPN
inlawrev-3950	5	21	that	that	PRON
inlawrev-3950	5	22	is	be	AUX
inlawrev-3950	5	23	the	the	DET
inlawrev-3950	5	24	focus	focus	NOUN
inlawrev-3950	5	25	of	of	ADP
inlawrev-3950	5	26	this	this	DET
inlawrev-3950	5	27	article	article	NOUN
inlawrev-3950	5	28	.	.	PUNCT
inlawrev-3950	6	1	parts	part	NOUN
inlawrev-3950	6	2	i	i	PROPN
inlawrev-3950	6	3	and	and	CCONJ
inlawrev-3950	6	4	ii	ii	PROPN
inlawrev-3950	6	5	below	below	ADV
inlawrev-3950	6	6	borrow	borrow	VERB
inlawrev-3950	6	7	heavily	heavily	ADV
inlawrev-3950	6	8	from	from	ADP
inlawrev-3950	6	9	the	the	DET
inlawrev-3950	6	10	specific	specific	ADJ
inlawrev-3950	6	11	language	language	NOUN
inlawrev-3950	6	12	and	and	CCONJ
inlawrev-3950	6	13	allegations	allegation	NOUN
inlawrev-3950	6	14	of	of	ADP
inlawrev-3950	6	15	the	the	DET
inlawrev-3950	6	16	complaint	complaint	NOUN
inlawrev-3950	6	17	in	in	ADP
inlawrev-3950	6	18	that	that	DET
inlawrev-3950	6	19	case	case	NOUN
inlawrev-3950	6	20	.	.	PUNCT
inlawrev-3950	7	1	complaint	complaint	NOUN
inlawrev-3950	7	2	for	for	ADP
inlawrev-3950	7	3	declaratory	declaratory	ADJ
inlawrev-3950	7	4	and	and	CCONJ
inlawrev-3950	7	5	injunctive	injunctive	ADJ
inlawrev-3950	7	6	relief	relief	NOUN
inlawrev-3950	7	7	and	and	CCONJ
inlawrev-3950	7	8	damages	damage	NOUN
inlawrev-3950	7	9	,	,	PUNCT
inlawrev-3950	7	10	mayor	mayor	NOUN
inlawrev-3950	7	11	&	&	CCONJ
inlawrev-3950	7	12	city	city	PROPN
inlawrev-3950	7	13	council	council	PROPN
inlawrev-3950	7	14	of	of	ADP
inlawrev-3950	7	15	bait	bait	PROPN
inlawrev-3950	7	16	.	.	PUNCT
inlawrev-3950	8	1	v.	v.	ADP
inlawrev-3950	8	2	wells	wells	PROPN
inlawrev-3950	8	3	fargo	fargo	PROPN
inlawrev-3950	8	4	,	,	PUNCT
inlawrev-3950	8	5	n.a	n.a	PROPN
inlawrev-3950	8	6	.	.	PROPN
inlawrev-3950	8	7	,	,	PUNCT
inlawrev-3950	8	8	no	no	INTJ
inlawrev-3950	8	9	.	.	PUNCT
inlawrev-3950	9	1	l08cv062	l08cv062	PROPN
inlawrev-3950	9	2	(	(	PUNCT
inlawrev-3950	9	3	d.	d.	PROPN
inlawrev-3950	9	4	md	md	PROPN
inlawrev-3950	9	5	.	.	PUNCT
inlawrev-3950	10	1	jan	jan	PROPN
inlawrev-3950	10	2	.	.	PROPN
inlawrev-3950	10	3	8	8	NUM
inlawrev-3950	10	4	,	,	PUNCT
inlawrev-3950	10	5	2008	2008	NUM
inlawrev-3950	10	6	)	)	PUNCT
inlawrev-3950	10	7	,	,	PUNCT
inlawrev-3950	10	8	2008	2008	NUM
inlawrev-3950	10	9	wl	wl	NOUN
inlawrev-3950	10	10	117894	117894	NUM
inlawrev-3950	10	11	.	.	PUNCT
inlawrev-3950	11	1	the	the	DET
inlawrev-3950	11	2	author	author	NOUN
inlawrev-3950	11	3	wishes	wish	VERB
inlawrev-3950	11	4	to	to	PART
inlawrev-3950	11	5	thank	thank	VERB
inlawrev-3950	11	6	glenn	glenn	PROPN
inlawrev-3950	11	7	schlactus	schlactus	PROPN
inlawrev-3950	11	8	for	for	ADP
inlawrev-3950	11	9	his	his	PRON
inlawrev-3950	11	10	assistance	assistance	NOUN
inlawrev-3950	11	11	in	in	ADP
inlawrev-3950	11	12	helping	help	VERB
inlawrev-3950	11	13	prepare	prepare	VERB
inlawrev-3950	11	14	this	this	DET
inlawrev-3950	11	15	article	article	NOUN
inlawrev-3950	11	16	,	,	PUNCT
inlawrev-3950	11	17	and	and	CCONJ
inlawrev-3950	11	18	colleagues	colleague	NOUN
inlawrev-3950	11	19	brad	brad	PROPN
inlawrev-3950	11	20	blower	blower	PROPN
inlawrev-3950	11	21	,	,	PUNCT
inlawrev-3950	11	22	michael	michael	PROPN
inlawrev-3950	11	23	allen	allen	PROPN
inlawrev-3950	11	24	,	,	PUNCT
inlawrev-3950	11	25	mary	mary	PROPN
inlawrev-3950	11	26	hahn	hahn	PROPN
inlawrev-3950	11	27	,	,	PUNCT
inlawrev-3950	11	28	maureen	maureen	PROPN
inlawrev-3950	11	29	yap	yap	PROPN
inlawrev-3950	11	30	,	,	PUNCT
inlawrev-3950	11	31	and	and	CCONJ
inlawrev-3950	11	32	shalini	shalini	PROPN
inlawrev-3950	11	33	goel	goel	PROPN
inlawrev-3950	11	34	for	for	ADP
inlawrev-3950	11	35	their	their	PRON
inlawrev-3950	11	36	thoughtful	thoughtful	ADJ
inlawrev-3950	11	37	comments	comment	NOUN
inlawrev-3950	11	38	and	and	CCONJ
inlawrev-3950	11	39	insights	insight	NOUN
inlawrev-3950	11	40	.	.	PUNCT
inlawrev-3950	12	1	1	1	X
inlawrev-3950	12	2	.	.	X
inlawrev-3950	12	3	see	see	VERB
inlawrev-3950	12	4	generally	generally	ADV
inlawrev-3950	12	5	douglas	douglas	PROPN
inlawrev-3950	12	6	s.	s.	PROPN
inlawrev-3950	12	7	massey	massey	PROPN
inlawrev-3950	12	8	&	&	CCONJ
inlawrev-3950	12	9	nancy	nancy	PROPN
inlawrev-3950	12	10	a.	a.	PROPN
inlawrev-3950	12	11	denton	denton	PROPN
inlawrev-3950	12	12	,	,	PUNCT
inlawrev-3950	12	13	american	american	ADJ
inlawrev-3950	12	14	apartheid	apartheid	NOUN
inlawrev-3950	12	15	:	:	PUNCT
inlawrev-3950	12	16	segregation	segregation	NOUN
inlawrev-3950	12	17	and	and	CCONJ
inlawrev-3950	12	18	the	the	DET
inlawrev-3950	12	19	making	making	NOUN
inlawrev-3950	12	20	of	of	ADP
inlawrev-3950	12	21	the	the	DET
inlawrev-3950	12	22	underclass	underclass	ADJ
inlawrev-3950	12	23	(	(	PUNCT
inlawrev-3950	12	24	1993	1993	NUM
inlawrev-3950	12	25	)	)	PUNCT
inlawrev-3950	12	26	.	.	PUNCT
inlawrev-3950	13	1	2	2	X
inlawrev-3950	13	2	.	.	X
inlawrev-3950	13	3	see	see	VERB
inlawrev-3950	13	4	i	i	PRON
inlawrev-3950	13	5	d.	d.	PROPN
inlawrev-3950	13	6	at	at	ADP
inlawrev-3950	13	7	74	74	NUM
inlawrev-3950	13	8	-	-	SYM
inlawrev-3950	13	9	78	78	NUM
inlawrev-3950	13	10	,	,	PUNCT
inlawrev-3950	13	11	118	118	NUM
inlawrev-3950	13	12	-	-	SYM
inlawrev-3950	13	13	30	30	NUM
inlawrev-3950	13	14	.	.	PUNCT
inlawrev-3950	14	1	3	3	X
inlawrev-3950	14	2	.	.	PUNCT
inlawrev-3950	14	3	/j	/j	INTJ
inlawrev-3950	14	4	.	.	PUNCT
inlawrev-3950	15	1	at	at	ADP
inlawrev-3950	15	2	118	118	NUM
inlawrev-3950	15	3	-	-	SYM
inlawrev-3950	15	4	30	30	NUM
inlawrev-3950	15	5	.	.	PUNCT
inlawrev-3950	16	1	4	4	NUM
inlawrev-3950	16	2	.	.	X
inlawrev-3950	16	3	42	42	NUM
inlawrev-3950	16	4	u.s.c	u.s.c	ADJ
inlawrev-3950	16	5	.	.	PUNCT
inlawrev-3950	17	1	§	§	VERB
inlawrev-3950	17	2	3601	3601	NUM
inlawrev-3950	17	3	-	-	SYM
inlawrev-3950	17	4	3619(2000	3619(2000	NUM
inlawrev-3950	17	5	)	)	PUNCT
inlawrev-3950	17	6	.	.	PUNCT
inlawrev-3950	18	1	5	5	X
inlawrev-3950	18	2	.	.	X
inlawrev-3950	18	3	see	see	VERB
inlawrev-3950	18	4	lynette	lynette	PROPN
inlawrev-3950	18	5	a.	a.	PROPN
inlawrev-3950	18	6	rawlings	rawlings	PROPN
inlawrev-3950	18	7	et	et	PROPN
inlawrev-3950	18	8	al	al	PROPN
inlawrev-3950	18	9	.	.	PROPN
inlawrev-3950	18	10	,	,	PUNCT
inlawrev-3950	18	11	urb	urb	PROPN
inlawrev-3950	18	12	.	.	PUNCT
inlawrev-3950	18	13	inst	inst	PROPN
inlawrev-3950	18	14	.	.	PROPN
inlawrev-3950	18	15	,	,	PUNCT
inlawrev-3950	18	16	race	race	NOUN
inlawrev-3950	18	17	and	and	CCONJ
inlawrev-3950	18	18	residence	residence	NOUN
inlawrev-3950	18	19	:	:	PUNCT
inlawrev-3950	18	20	prospects	prospect	NOUN
inlawrev-3950	18	21	for	for	ADP
inlawrev-3950	18	22	stable	stable	ADJ
inlawrev-3950	18	23	neighborhood	neighborhood	NOUN
inlawrev-3950	18	24	integration	integration	NOUN
inlawrev-3950	18	25	2	2	NUM
inlawrev-3950	18	26	(	(	PUNCT
inlawrev-3950	18	27	2004	2004	NUM
inlawrev-3950	18	28	)	)	PUNCT
inlawrev-3950	18	29	.	.	PUNCT
inlawrev-3950	19	1	630	630	NUM
inlawrev-3950	19	2	indiana	indiana	PROPN
inlawrev-3950	19	3	law	law	PROPN
inlawrev-3950	19	4	review	review	NOUN
inlawrev-3950	19	5	[	[	X
inlawrev-3950	19	6	vol	vol	NOUN
inlawrev-3950	19	7	.	.	PUNCT
inlawrev-3950	19	8	41	41	NUM
inlawrev-3950	19	9	:	:	PUNCT
inlawrev-3950	19	10	629	629	NUM
inlawrev-3950	19	11	as	as	ADP
inlawrev-3950	19	12	evidence	evidence	NOUN
inlawrev-3950	19	13	of	of	ADP
inlawrev-3950	19	14	a	a	DET
inlawrev-3950	19	15	failure	failure	NOUN
inlawrev-3950	19	16	of	of	ADP
inlawrev-3950	19	17	fair	fair	ADJ
inlawrev-3950	19	18	housing	housing	NOUN
inlawrev-3950	19	19	litigation	litigation	NOUN
inlawrev-3950	19	20	,	,	PUNCT
inlawrev-3950	19	21	the	the	DET
inlawrev-3950	19	22	current	current	ADJ
inlawrev-3950	19	23	economic	economic	ADJ
inlawrev-3950	19	24	crisis	crisis	NOUN
inlawrev-3950	19	25	underscores	underscore	VERB
inlawrev-3950	19	26	the	the	DET
inlawrev-3950	19	27	need	need	NOUN
inlawrev-3950	19	28	to	to	PART
inlawrev-3950	19	29	redouble	redouble	VERB
inlawrev-3950	19	30	our	our	PRON
inlawrev-3950	19	31	efforts	effort	NOUN
inlawrev-3950	19	32	to	to	PART
inlawrev-3950	19	33	use	use	VERB
inlawrev-3950	19	34	creative	creative	ADJ
inlawrev-3950	19	35	litigation	litigation	NOUN
inlawrev-3950	19	36	strategies	strategy	NOUN
inlawrev-3950	19	37	to	to	PART
inlawrev-3950	19	38	break	break	VERB
inlawrev-3950	19	39	down	down	ADP
inlawrev-3950	19	40	barriers	barrier	NOUN
inlawrev-3950	19	41	to	to	ADP
inlawrev-3950	19	42	spatial	spatial	ADJ
inlawrev-3950	19	43	and	and	CCONJ
inlawrev-3950	19	44	racial	racial	ADJ
inlawrev-3950	19	45	mobility	mobility	NOUN
inlawrev-3950	19	46	,	,	PUNCT
inlawrev-3950	19	47	and	and	CCONJ
inlawrev-3950	19	48	shore	shore	VERB
inlawrev-3950	19	49	up	up	ADP
inlawrev-3950	19	50	transitional	transitional	ADJ
inlawrev-3950	19	51	minority	minority	NOUN
inlawrev-3950	19	52	neighborhoods	neighborhood	NOUN
inlawrev-3950	19	53	struggling	struggle	VERB
inlawrev-3950	19	54	to	to	PART
inlawrev-3950	19	55	hang	hang	VERB
inlawrev-3950	19	56	on	on	ADP
inlawrev-3950	19	57	in	in	ADP
inlawrev-3950	19	58	the	the	DET
inlawrev-3950	19	59	face	face	NOUN
inlawrev-3950	19	60	of	of	ADP
inlawrev-3950	19	61	rising	rise	VERB
inlawrev-3950	19	62	foreclosures	foreclosure	NOUN
inlawrev-3950	19	63	.	.	PUNCT
inlawrev-3950	20	1	this	this	PRON
inlawrev-3950	20	2	is	be	AUX
inlawrev-3950	20	3	true	true	ADJ
inlawrev-3950	20	4	because	because	SCONJ
inlawrev-3950	20	5	the	the	DET
inlawrev-3950	20	6	problems	problem	NOUN
inlawrev-3950	20	7	we	we	PRON
inlawrev-3950	20	8	now	now	ADV
inlawrev-3950	20	9	face	face	VERB
inlawrev-3950	20	10	are	be	AUX
inlawrev-3950	20	11	uniquely	uniquely	ADV
inlawrev-3950	20	12	suited	suited	ADJ
inlawrev-3950	20	13	—	—	PUNCT
inlawrev-3950	20	14	perhaps	perhaps	ADV
inlawrev-3950	20	15	as	as	ADP
inlawrev-3950	20	16	never	never	ADV
inlawrev-3950	20	17	before	before	ADV
inlawrev-3950	20	18	—	—	PUNCT
inlawrev-3950	20	19	to	to	ADP
inlawrev-3950	20	20	a	a	DET
inlawrev-3950	20	21	litigation	litigation	NOUN
inlawrev-3950	20	22	response	response	NOUN
inlawrev-3950	20	23	.	.	PUNCT
inlawrev-3950	21	1	as	as	ADP
inlawrev-3950	21	2	a	a	DET
inlawrev-3950	21	3	general	general	ADJ
inlawrev-3950	21	4	matter	matter	NOUN
inlawrev-3950	21	5	,	,	PUNCT
inlawrev-3950	21	6	litigation	litigation	NOUN
inlawrev-3950	21	7	works	work	VERB
inlawrev-3950	21	8	both	both	PRON
inlawrev-3950	21	9	as	as	ADP
inlawrev-3950	21	10	a	a	DET
inlawrev-3950	21	11	tool	tool	NOUN
inlawrev-3950	21	12	for	for	ADP
inlawrev-3950	21	13	reform	reform	NOUN
inlawrev-3950	21	14	and	and	CCONJ
inlawrev-3950	21	15	as	as	ADP
inlawrev-3950	21	16	a	a	DET
inlawrev-3950	21	17	remedy	remedy	NOUN
inlawrev-3950	21	18	where	where	SCONJ
inlawrev-3950	21	19	there	there	PRON
inlawrev-3950	21	20	is	be	VERB
inlawrev-3950	21	21	a	a	DET
inlawrev-3950	21	22	clearly	clearly	ADV
inlawrev-3950	21	23	identifiable	identifiable	ADJ
inlawrev-3950	21	24	pattern	pattern	NOUN
inlawrev-3950	21	25	of	of	ADP
inlawrev-3950	21	26	illegal	illegal	ADJ
inlawrev-3950	21	27	behavior	behavior	NOUN
inlawrev-3950	21	28	,	,	PUNCT
inlawrev-3950	21	29	and	and	CCONJ
inlawrev-3950	21	30	the	the	DET
inlawrev-3950	21	31	entity	entity	NOUN
inlawrev-3950	21	32	responsible	responsible	ADJ
inlawrev-3950	21	33	for	for	ADP
inlawrev-3950	21	34	the	the	DET
inlawrev-3950	21	35	violation	violation	NOUN
inlawrev-3950	21	36	has	have	VERB
inlawrev-3950	21	37	the	the	DET
inlawrev-3950	21	38	means	mean	NOUN
inlawrev-3950	21	39	to	to	PART
inlawrev-3950	21	40	contribute	contribute	VERB
inlawrev-3950	21	41	to	to	ADP
inlawrev-3950	21	42	the	the	DET
inlawrev-3950	21	43	solution	solution	NOUN
inlawrev-3950	21	44	.	.	PUNCT
inlawrev-3950	22	1	both	both	PRON
inlawrev-3950	22	2	of	of	ADP
inlawrev-3950	22	3	those	those	DET
inlawrev-3950	22	4	conditions	condition	NOUN
inlawrev-3950	22	5	are	be	AUX
inlawrev-3950	22	6	met	meet	VERB
inlawrev-3950	22	7	here	here	ADV
inlawrev-3950	22	8	.	.	PUNCT
inlawrev-3950	23	1	the	the	DET
inlawrev-3950	23	2	foreclosure	foreclosure	NOUN
inlawrev-3950	23	3	crisis	crisis	NOUN
inlawrev-3950	23	4	has	have	AUX
inlawrev-3950	23	5	had	have	VERB
inlawrev-3950	23	6	a	a	DET
inlawrev-3950	23	7	disparate	disparate	ADJ
inlawrev-3950	23	8	effect	effect	NOUN
inlawrev-3950	23	9	on	on	ADP
inlawrev-3950	23	10	black	black	ADJ
inlawrev-3950	23	11	and	and	CCONJ
inlawrev-3950	23	12	latino	latino	ADJ
inlawrev-3950	23	13	neighborhoods	neighborhood	NOUN
inlawrev-3950	23	14	precisely	precisely	ADV
inlawrev-3950	23	15	because	because	SCONJ
inlawrev-3950	23	16	of	of	ADP
inlawrev-3950	23	17	the	the	DET
inlawrev-3950	23	18	illegal	illegal	ADJ
inlawrev-3950	23	19	reverse	reverse	NOUN
inlawrev-3950	23	20	redlining	redline	VERB
inlawrev-3950	23	21	practices	practice	NOUN
inlawrev-3950	23	22	ofclearly	ofclearly	ADV
inlawrev-3950	23	23	identifiable	identifiable	ADJ
inlawrev-3950	23	24	financial	financial	ADJ
inlawrev-3950	23	25	institutions	institution	NOUN
inlawrev-3950	23	26	who	who	PRON
inlawrev-3950	23	27	targeted	target	VERB
inlawrev-3950	23	28	these	these	DET
inlawrev-3950	23	29	communities	community	NOUN
inlawrev-3950	23	30	as	as	ADP
inlawrev-3950	23	31	a	a	DET
inlawrev-3950	23	32	means	means	NOUN
inlawrev-3950	23	33	to	to	PART
inlawrev-3950	23	34	maximize	maximize	VERB
inlawrev-3950	23	35	short	short	ADJ
inlawrev-3950	23	36	term	term	NOUN
inlawrev-3950	23	37	profits	profit	NOUN
inlawrev-3950	23	38	.	.	PUNCT
inlawrev-3950	24	1	those	those	PRON
inlawrev-3950	24	2	responsible	responsible	ADJ
inlawrev-3950	24	3	for	for	ADP
inlawrev-3950	24	4	undermining	undermine	VERB
inlawrev-3950	24	5	the	the	DET
inlawrev-3950	24	6	stability	stability	NOUN
inlawrev-3950	24	7	of	of	ADP
inlawrev-3950	24	8	these	these	DET
inlawrev-3950	24	9	communities	community	NOUN
inlawrev-3950	24	10	through	through	ADP
inlawrev-3950	24	11	their	their	PRON
inlawrev-3950	24	12	predatory	predatory	ADJ
inlawrev-3950	24	13	lending	lending	NOUN
inlawrev-3950	24	14	practices	practice	NOUN
inlawrev-3950	24	15	have	have	VERB
inlawrev-3950	24	16	the	the	DET
inlawrev-3950	24	17	means	mean	NOUN
inlawrev-3950	24	18	to	to	PART
inlawrev-3950	24	19	provide	provide	VERB
inlawrev-3950	24	20	much	much	ADJ
inlawrev-3950	24	21	needed	need	VERB
inlawrev-3950	24	22	financial	financial	ADJ
inlawrev-3950	24	23	assistance	assistance	NOUN
inlawrev-3950	24	24	to	to	ADP
inlawrev-3950	24	25	america	america	PROPN
inlawrev-3950	24	26	's	's	PART
inlawrev-3950	24	27	cities	city	NOUN
inlawrev-3950	24	28	to	to	PART
inlawrev-3950	24	29	help	help	VERB
inlawrev-3950	24	30	fix	fix	VERB
inlawrev-3950	24	31	the	the	DET
inlawrev-3950	24	32	problem	problem	NOUN
inlawrev-3950	24	33	.	.	PUNCT
inlawrev-3950	25	1	the	the	DET
inlawrev-3950	25	2	fha	fha	PROPN
inlawrev-3950	25	3	is	be	AUX
inlawrev-3950	25	4	an	an	DET
inlawrev-3950	25	5	especially	especially	ADV
inlawrev-3950	25	6	effective	effective	ADJ
inlawrev-3950	25	7	legal	legal	ADJ
inlawrev-3950	25	8	weapon	weapon	NOUN
inlawrev-3950	25	9	for	for	ADP
inlawrev-3950	25	10	attacking	attack	VERB
inlawrev-3950	25	11	this	this	DET
inlawrev-3950	25	12	problem	problem	NOUN
inlawrev-3950	25	13	.	.	PUNCT
inlawrev-3950	26	1	the	the	DET
inlawrev-3950	26	2	four	four	NUM
inlawrev-3950	26	3	requirements	requirement	NOUN
inlawrev-3950	26	4	for	for	ADP
inlawrev-3950	26	5	a	a	DET
inlawrev-3950	26	6	successful	successful	ADJ
inlawrev-3950	26	7	outcome	outcome	NOUN
inlawrev-3950	26	8	are	be	AUX
inlawrev-3950	26	9	all	all	ADV
inlawrev-3950	26	10	present	present	ADJ
inlawrev-3950	26	11	:	:	PUNCT
inlawrev-3950	26	12	standing	stand	VERB
inlawrev-3950	26	13	(	(	PUNCT
inlawrev-3950	26	14	as	as	ADV
inlawrev-3950	26	15	broad	broad	ADJ
inlawrev-3950	26	16	as	as	ADP
inlawrev-3950	26	17	article	article	NOUN
inlawrev-3950	26	18	hi	hi	INTJ
inlawrev-3950	26	19	will	will	AUX
inlawrev-3950	26	20	allow	allow	VERB
inlawrev-3950	26	21	)	)	PUNCT
inlawrev-3950	26	22	;	;	PUNCT
inlawrev-3950	26	23	^	^	PUNCT
inlawrev-3950	26	24	liability	liability	NOUN
inlawrev-3950	26	25	(	(	PUNCT
inlawrev-3950	26	26	fha	fha	PROPN
inlawrev-3950	26	27	case	case	NOUN
inlawrev-3950	26	28	precedent	precedent	NOUN
inlawrev-3950	26	29	clearly	clearly	ADV
inlawrev-3950	26	30	recognizes	recognize	VERB
inlawrev-3950	26	31	both	both	CCONJ
inlawrev-3950	26	32	redlining	redline	VERB
inlawrev-3950	26	33	and	and	CCONJ
inlawrev-3950	26	34	reverse	reverse	VERB
inlawrev-3950	26	35	redlining	redline	VERB
inlawrev-3950	26	36	or	or	CCONJ
inlawrev-3950	26	37	"	"	PUNCT
inlawrev-3950	26	38	targeting	target	VERB
inlawrev-3950	26	39	"	"	PUNCT
inlawrev-3950	26	40	claims);'^	claims);'^	NOUN
inlawrev-3950	26	41	powerful	powerful	ADJ
inlawrev-3950	26	42	remedies	remedy	NOUN
inlawrev-3950	26	43	(	(	PUNCT
inlawrev-3950	26	44	unlimited	unlimited	ADJ
inlawrev-3950	26	45	compensatory	compensatory	ADJ
inlawrev-3950	26	46	and	and	CCONJ
inlawrev-3950	26	47	punitive	punitive	ADJ
inlawrev-3950	26	48	damages	damage	NOUN
inlawrev-3950	26	49	are	be	AUX
inlawrev-3950	26	50	both	both	ADV
inlawrev-3950	26	51	available	available	ADJ
inlawrev-3950	26	52	,	,	PUNCT
inlawrev-3950	26	53	to	to	PART
inlawrev-3950	26	54	be	be	AUX
inlawrev-3950	26	55	determined	determine	VERB
inlawrev-3950	26	56	by	by	ADP
inlawrev-3950	26	57	ajury	ajury	NOUN
inlawrev-3950	26	58	if	if	SCONJ
inlawrev-3950	26	59	desired);^	desired);^	PROPN
inlawrev-3950	26	60	and	and	CCONJ
inlawrev-3950	26	61	a	a	DET
inlawrev-3950	26	62	generous	generous	ADJ
inlawrev-3950	26	63	statute	statute	NOUN
inlawrev-3950	26	64	of	of	ADP
inlawrev-3950	26	65	limitations	limitation	NOUN
inlawrev-3950	26	66	(	(	PUNCT
inlawrev-3950	26	67	two	two	NUM
inlawrev-3950	26	68	years	year	NOUN
inlawrev-3950	26	69	,	,	PUNCT
inlawrev-3950	26	70	in	in	ADP
inlawrev-3950	26	71	addition	addition	NOUN
inlawrev-3950	26	72	to	to	ADP
inlawrev-3950	26	73	a	a	DET
inlawrev-3950	26	74	continuing	continue	VERB
inlawrev-3950	26	75	violations	violation	NOUN
inlawrev-3950	26	76	theory	theory	NOUN
inlawrev-3950	26	77	allowing	allow	VERB
inlawrev-3950	26	78	claims	claim	NOUN
inlawrev-3950	26	79	to	to	PART
inlawrev-3950	26	80	stretch	stretch	VERB
inlawrev-3950	26	81	back	back	ADV
inlawrev-3950	26	82	indefinitely	indefinitely	ADV
inlawrev-3950	26	83	to	to	PART
inlawrev-3950	26	84	cover	cover	VERB
inlawrev-3950	26	85	the	the	DET
inlawrev-3950	26	86	full	full	ADJ
inlawrev-3950	26	87	time	time	NOUN
inlawrev-3950	26	88	period	period	NOUN
inlawrev-3950	26	89	of	of	ADP
inlawrev-3950	26	90	a	a	DET
inlawrev-3950	26	91	continuing	continue	VERB
inlawrev-3950	26	92	pattern	pattern	NOUN
inlawrev-3950	26	93	of	of	ADP
inlawrev-3950	26	94	illegal	illegal	ADJ
inlawrev-3950	26	95	conduct).^	conduct).^	NOUN
inlawrev-3950	26	96	more	more	ADV
inlawrev-3950	26	97	importantly	importantly	ADV
inlawrev-3950	26	98	,	,	PUNCT
inlawrev-3950	26	99	an	an	DET
inlawrev-3950	26	100	opportunity	opportunity	NOUN
inlawrev-3950	26	101	has	have	AUX
inlawrev-3950	26	102	arisen	arise	VERB
inlawrev-3950	26	103	now	now	ADV
inlawrev-3950	26	104	to	to	PART
inlawrev-3950	26	105	harness	harness	VERB
inlawrev-3950	26	106	the	the	DET
inlawrev-3950	26	107	fha	fha	NOUN
inlawrev-3950	26	108	in	in	ADP
inlawrev-3950	26	109	a	a	DET
inlawrev-3950	26	110	way	way	NOUN
inlawrev-3950	26	111	that	that	PRON
inlawrev-3950	26	112	has	have	AUX
inlawrev-3950	26	113	not	not	PART
inlawrev-3950	26	114	been	be	AUX
inlawrev-3950	26	115	fully	fully	ADV
inlawrev-3950	26	116	utilized	utilize	VERB
inlawrev-3950	26	117	before	before	ADV
inlawrev-3950	26	118	to	to	PART
inlawrev-3950	26	119	promote	promote	VERB
inlawrev-3950	26	120	integration	integration	NOUN
inlawrev-3950	26	121	.	.	PUNCT
inlawrev-3950	27	1	for	for	ADP
inlawrev-3950	27	2	the	the	DET
inlawrev-3950	27	3	first	first	ADJ
inlawrev-3950	27	4	time	time	NOUN
inlawrev-3950	27	5	,	,	PUNCT
inlawrev-3950	27	6	america	america	PROPN
inlawrev-3950	27	7	'	'	PART
inlawrev-3950	27	8	s	s	PROPN
inlawrev-3950	27	9	cities	city	NOUN
inlawrev-3950	27	10	—	—	PUNCT
inlawrev-3950	27	11	mayors	mayor	NOUN
inlawrev-3950	27	12	and	and	CCONJ
inlawrev-3950	27	13	their	their	PRON
inlawrev-3950	27	14	city	city	NOUN
inlawrev-3950	27	15	councils	council	NOUN
inlawrev-3950	27	16	—	—	PUNCT
inlawrev-3950	27	17	have	have	AUX
inlawrev-3950	27	18	begun	begin	VERB
inlawrev-3950	27	19	to	to	PART
inlawrev-3950	27	20	recognize	recognize	VERB
inlawrev-3950	27	21	the	the	DET
inlawrev-3950	27	22	power	power	NOUN
inlawrev-3950	27	23	of	of	ADP
inlawrev-3950	27	24	the	the	DET
inlawrev-3950	27	25	fha	fha	PROPN
inlawrev-3950	27	26	to	to	PART
inlawrev-3950	27	27	bring	bring	VERB
inlawrev-3950	27	28	irresponsible	irresponsible	ADJ
inlawrev-3950	27	29	financial	financial	ADJ
inlawrev-3950	27	30	institutions	institution	NOUN
inlawrev-3950	27	31	,	,	PUNCT
inlawrev-3950	27	32	the	the	DET
inlawrev-3950	27	33	very	very	ADJ
inlawrev-3950	27	34	ones	one	NOUN
inlawrev-3950	27	35	who	who	PRON
inlawrev-3950	27	36	have	have	AUX
inlawrev-3950	27	37	profited	profit	VERB
inlawrev-3950	27	38	at	at	ADP
inlawrev-3950	27	39	the	the	DET
inlawrev-3950	27	40	expense	expense	NOUN
inlawrev-3950	27	41	of	of	ADP
inlawrev-3950	27	42	inner	inner	ADJ
inlawrev-3950	27	43	city	city	NOUN
inlawrev-3950	27	44	black	black	ADJ
inlawrev-3950	27	45	and	and	CCONJ
inlawrev-3950	27	46	latino	latino	ADJ
inlawrev-3950	27	47	communities	community	NOUN
inlawrev-3950	27	48	,	,	PUNCT
inlawrev-3950	27	49	to	to	ADP
inlawrev-3950	27	50	the	the	DET
inlawrev-3950	27	51	table	table	NOUN
inlawrev-3950	27	52	to	to	PART
inlawrev-3950	27	53	remedy	remedy	VERB
inlawrev-3950	27	54	the	the	DET
inlawrev-3950	27	55	injury	injury	NOUN
inlawrev-3950	27	56	that	that	PRON
inlawrev-3950	27	57	the	the	DET
inlawrev-3950	27	58	cities	city	NOUN
inlawrev-3950	27	59	have	have	AUX
inlawrev-3950	27	60	suffered	suffer	VERB
inlawrev-3950	27	61	.	.	PUNCT
inlawrev-3950	28	1	recently	recently	ADV
inlawrev-3950	28	2	,	,	PUNCT
inlawrev-3950	28	3	baltimore	baltimore	PROPN
inlawrev-3950	28	4	became	become	VERB
inlawrev-3950	28	5	the	the	DET
inlawrev-3950	28	6	first	first	ADJ
inlawrev-3950	28	7	city	city	NOUN
inlawrev-3950	28	8	to	to	PART
inlawrev-3950	28	9	bring	bring	VERB
inlawrev-3950	28	10	suit	suit	NOUN
inlawrev-3950	28	11	against	against	ADP
inlawrev-3950	28	12	a	a	DET
inlawrev-3950	28	13	major	major	ADJ
inlawrev-3950	28	14	lender	lender	NOUN
inlawrev-3950	28	15	for	for	ADP
inlawrev-3950	28	16	targeting	target	VERB
inlawrev-3950	28	17	its	its	PRON
inlawrev-3950	28	18	minority	minority	NOUN
inlawrev-3950	28	19	communities	community	NOUN
inlawrev-3950	28	20	for	for	ADP
inlawrev-3950	28	21	discriminatory	discriminatory	ADJ
inlawrev-3950	28	22	lending	lending	NOUN
inlawrev-3950	28	23	practices	practice	NOUN
inlawrev-3950	28	24	that	that	PRON
inlawrev-3950	28	25	it	it	PRON
inlawrev-3950	28	26	alleges	allege	VERB
inlawrev-3950	28	27	have	have	AUX
inlawrev-3950	28	28	resulted	result	VERB
inlawrev-3950	28	29	in	in	ADP
inlawrev-3950	28	30	unnecessarily	unnecessarily	ADV
inlawrev-3950	28	31	high	high	ADJ
inlawrev-3950	28	32	rates	rate	NOUN
inlawrev-3950	28	33	of	of	ADP
inlawrev-3950	28	34	foreclosure	foreclosure	NOUN
inlawrev-3950	28	35	.	.	PUNCT
inlawrev-3950	29	1	^	^	NOUN
inlawrev-3950	29	2	°	°	ADP
inlawrev-3950	29	3	these	these	DET
inlawrev-3950	29	4	6	6	NUM
inlawrev-3950	29	5	.	.	PUNCT
inlawrev-3950	29	6	see	see	VERB
inlawrev-3950	29	7	,	,	PUNCT
inlawrev-3950	29	8	e.g	e.g	PROPN
inlawrev-3950	29	9	..	..	PUNCT
inlawrev-3950	29	10	havens	havens	PROPN
inlawrev-3950	29	11	realty	realty	PROPN
inlawrev-3950	29	12	corp	corp	PROPN
inlawrev-3950	29	13	.	.	PROPN
inlawrev-3950	29	14	v.	v.	PROPN
inlawrev-3950	29	15	coleman	coleman	PROPN
inlawrev-3950	29	16	,	,	PUNCT
inlawrev-3950	29	17	455	455	PROPN
inlawrev-3950	29	18	u.s	u.s	AUX
inlawrev-3950	29	19	.	.	PROPN
inlawrev-3950	29	20	363	363	NUM
inlawrev-3950	29	21	,	,	PUNCT
inlawrev-3950	29	22	372	372	NUM
inlawrev-3950	29	23	(	(	PUNCT
inlawrev-3950	29	24	1982	1982	NUM
inlawrev-3950	29	25	)	)	PUNCT
inlawrev-3950	29	26	(	(	PUNCT
inlawrev-3950	29	27	citing	cite	VERB
inlawrev-3950	29	28	gladstone	gladstone	NOUN
inlawrev-3950	29	29	realtors	realtor	NOUN
inlawrev-3950	29	30	v.	v.	ADP
inlawrev-3950	29	31	vill	vill	NOUN
inlawrev-3950	29	32	.	.	PUNCT
inlawrev-3950	30	1	of	of	ADP
inlawrev-3950	30	2	bellwood	bellwood	PROPN
inlawrev-3950	30	3	,	,	PUNCT
inlawrev-3950	30	4	441	441	NUM
inlawrev-3950	30	5	u.s	u.s	PROPN
inlawrev-3950	30	6	.	.	PROPN
inlawrev-3950	30	7	91	91	NUM
inlawrev-3950	30	8	,	,	PUNCT
inlawrev-3950	30	9	103	103	NUM
inlawrev-3950	30	10	n.9	n.9	X
inlawrev-3950	30	11	(	(	PUNCT
inlawrev-3950	30	12	1979	1979	NUM
inlawrev-3950	30	13	)	)	PUNCT
inlawrev-3950	30	14	)	)	PUNCT
inlawrev-3950	30	15	.	.	PUNCT
inlawrev-3950	31	1	7	7	X
inlawrev-3950	31	2	.	.	X
inlawrev-3950	31	3	see	see	VERB
inlawrev-3950	31	4	,	,	PUNCT
inlawrev-3950	31	5	e.g.	e.g.	ADV
inlawrev-3950	31	6	,	,	PUNCT
inlawrev-3950	31	7	hargraves	hargrave	NOUN
inlawrev-3950	31	8	v.	v.	ADP
inlawrev-3950	31	9	capital	capital	PROPN
inlawrev-3950	31	10	city	city	PROPN
inlawrev-3950	31	11	mortgage	mortgage	PROPN
inlawrev-3950	31	12	corp	corp	PROPN
inlawrev-3950	31	13	.	.	PROPN
inlawrev-3950	31	14	,	,	PUNCT
inlawrev-3950	31	15	140	140	NUM
inlawrev-3950	31	16	f.	f.	PROPN
inlawrev-3950	31	17	supp	supp	PROPN
inlawrev-3950	31	18	.	.	PUNCT
inlawrev-3950	32	1	2d	2d	PROPN
inlawrev-3950	32	2	7	7	NUM
inlawrev-3950	32	3	,	,	PUNCT
inlawrev-3950	32	4	20	20	NUM
inlawrev-3950	32	5	(	(	PUNCT
inlawrev-3950	32	6	d.d.c	d.d.c	PROPN
inlawrev-3950	32	7	.	.	PROPN
inlawrev-3950	32	8	2000	2000	NUM
inlawrev-3950	32	9	)	)	PUNCT
inlawrev-3950	32	10	.	.	PUNCT
inlawrev-3950	33	1	8	8	X
inlawrev-3950	33	2	.	.	X
inlawrev-3950	33	3	see	see	VERB
inlawrev-3950	33	4	42	42	NUM
inlawrev-3950	33	5	u.s.c	u.s.c	ADJ
inlawrev-3950	33	6	.	.	PUNCT
inlawrev-3950	34	1	§	§	PROPN
inlawrev-3950	34	2	3613(c)(1	3613(c)(1	NUM
inlawrev-3950	34	3	)	)	PUNCT
inlawrev-3950	34	4	(	(	PUNCT
inlawrev-3950	34	5	2000	2000	NUM
inlawrev-3950	34	6	)	)	PUNCT
inlawrev-3950	34	7	(	(	PUNCT
inlawrev-3950	34	8	damages	damage	NOUN
inlawrev-3950	34	9	)	)	PUNCT
inlawrev-3950	34	10	;	;	PUNCT
inlawrev-3950	34	11	curtis	curtis	PROPN
inlawrev-3950	34	12	v.	v.	PROPN
inlawrev-3950	34	13	loether	loether	PROPN
inlawrev-3950	34	14	,	,	PUNCT
inlawrev-3950	34	15	415	415	NUM
inlawrev-3950	34	16	u.s	u.s	PROPN
inlawrev-3950	34	17	.	.	PROPN
inlawrev-3950	34	18	189	189	NUM
inlawrev-3950	34	19	,	,	PUNCT
inlawrev-3950	34	20	194	194	NUM
inlawrev-3950	34	21	(	(	PUNCT
inlawrev-3950	34	22	1974	1974	NUM
inlawrev-3950	34	23	)	)	PUNCT
inlawrev-3950	34	24	(	(	PUNCT
inlawrev-3950	34	25	entitlement	entitlement	NOUN
inlawrev-3950	34	26	to	to	PART
inlawrev-3950	34	27	jury	jury	VERB
inlawrev-3950	34	28	trial	trial	NOUN
inlawrev-3950	34	29	)	)	PUNCT
inlawrev-3950	34	30	;	;	PUNCT
inlawrev-3950	34	31	see	see	VERB
inlawrev-3950	34	32	also	also	ADV
inlawrev-3950	34	33	preferred	prefer	VERB
inlawrev-3950	34	34	props	prop	NOUN
inlawrev-3950	34	35	.	.	PUNCT
inlawrev-3950	34	36	,	,	PUNCT
inlawrev-3950	34	37	inc	inc	PROPN
inlawrev-3950	34	38	.	.	PROPN
inlawrev-3950	34	39	v.	v.	ADP
inlawrev-3950	34	40	indian	indian	PROPN
inlawrev-3950	34	41	river	river	PROPN
inlawrev-3950	34	42	estates	estates	PROPN
inlawrev-3950	34	43	,	,	PUNCT
inlawrev-3950	34	44	inc	inc	PROPN
inlawrev-3950	34	45	.	.	PROPN
inlawrev-3950	34	46	,	,	PUNCT
inlawrev-3950	34	47	276	276	NUM
inlawrev-3950	34	48	f.3d	f.3d	NUM
inlawrev-3950	34	49	790	790	NUM
inlawrev-3950	34	50	,	,	PUNCT
inlawrev-3950	34	51	802	802	NUM
inlawrev-3950	34	52	(	(	PUNCT
inlawrev-3950	34	53	6th	6th	ADJ
inlawrev-3950	34	54	cir	cir	NOUN
inlawrev-3950	34	55	.	.	PROPN
inlawrev-3950	34	56	2002	2002	NUM
inlawrev-3950	34	57	)	)	PUNCT
inlawrev-3950	34	58	(	(	PUNCT
inlawrev-3950	34	59	affirming	affirm	VERB
inlawrev-3950	34	60	jury	jury	NOUN
inlawrev-3950	34	61	verdict	verdict	NOUN
inlawrev-3950	34	62	in	in	ADP
inlawrev-3950	34	63	favor	favor	NOUN
inlawrev-3950	34	64	of	of	ADP
inlawrev-3950	34	65	plaintiff	plaintiff	NOUN
inlawrev-3950	34	66	in	in	ADP
inlawrev-3950	34	67	fha	fha	PROPN
inlawrev-3950	34	68	case	case	NOUN
inlawrev-3950	34	69	)	)	PUNCT
inlawrev-3950	34	70	.	.	PUNCT
inlawrev-3950	35	1	9	9	X
inlawrev-3950	35	2	.	.	X
inlawrev-3950	35	3	see	see	VERB
inlawrev-3950	35	4	42	42	NUM
inlawrev-3950	35	5	u.s.c	u.s.c	ADJ
inlawrev-3950	35	6	.	.	PUNCT
inlawrev-3950	36	1	§	§	PROPN
inlawrev-3950	36	2	3613(a)(1)(a	3613(a)(1)(a	NUM
inlawrev-3950	36	3	)	)	PUNCT
inlawrev-3950	36	4	(	(	PUNCT
inlawrev-3950	36	5	2000	2000	NUM
inlawrev-3950	36	6	)	)	PUNCT
inlawrev-3950	36	7	(	(	PUNCT
inlawrev-3950	36	8	two	two	NUM
inlawrev-3950	36	9	-	-	PUNCT
inlawrev-3950	36	10	year	year	NOUN
inlawrev-3950	36	11	statute	statute	NOUN
inlawrev-3950	36	12	of	of	ADP
inlawrev-3950	36	13	limitations	limitation	NOUN
inlawrev-3950	36	14	)	)	PUNCT
inlawrev-3950	36	15	;	;	PUNCT
inlawrev-3950	36	16	havens	havens	PROPN
inlawrev-3950	36	17	realty	realty	PROPN
inlawrev-3950	36	18	corp	corp	PROPN
inlawrev-3950	36	19	.	.	PROPN
inlawrev-3950	36	20	,	,	PUNCT
inlawrev-3950	36	21	455	455	NUM
inlawrev-3950	36	22	u.s	u.s	PROPN
inlawrev-3950	36	23	.	.	PROPN
inlawrev-3950	36	24	at	at	ADP
inlawrev-3950	36	25	380	380	NUM
inlawrev-3950	36	26	-	-	SYM
inlawrev-3950	36	27	81	81	NUM
inlawrev-3950	36	28	(	(	PUNCT
inlawrev-3950	36	29	applying	apply	VERB
inlawrev-3950	36	30	continuing	continue	VERB
inlawrev-3950	36	31	violation	violation	NOUN
inlawrev-3950	36	32	theory	theory	NOUN
inlawrev-3950	36	33	)	)	PUNCT
inlawrev-3950	36	34	.	.	PUNCT
inlawrev-3950	37	1	1	1	NUM
inlawrev-3950	37	2	0	0	X
inlawrev-3950	37	3	.	.	PUNCT
inlawrev-3950	37	4	complaint	complaint	NOUN
inlawrev-3950	37	5	for	for	ADP
inlawrev-3950	37	6	declaratory	declaratory	ADJ
inlawrev-3950	37	7	and	and	CCONJ
inlawrev-3950	37	8	injunctive	injunctive	ADJ
inlawrev-3950	37	9	reliefand	reliefand	NOUN
inlawrev-3950	37	10	damages	damage	NOUN
inlawrev-3950	37	11	f	f	PROPN
inlawrev-3950	37	12	6	6	NUM
inlawrev-3950	37	13	,	,	PUNCT
inlawrev-3950	37	14	mayor	mayor	NOUN
inlawrev-3950	37	15	&	&	CCONJ
inlawrev-3950	37	16	city	city	PROPN
inlawrev-3950	37	17	council	council	PROPN
inlawrev-3950	37	18	of	of	ADP
inlawrev-3950	37	19	bait	bait	PROPN
inlawrev-3950	37	20	.	.	PUNCT
inlawrev-3950	38	1	v.	v.	ADP
inlawrev-3950	38	2	wells	wells	PROPN
inlawrev-3950	38	3	fargo	fargo	PROPN
inlawrev-3950	38	4	bank	bank	PROPN
inlawrev-3950	38	5	,	,	PUNCT
inlawrev-3950	38	6	n.a	n.a	PROPN
inlawrev-3950	38	7	.	.	PROPN
inlawrev-3950	38	8	,	,	PUNCT
inlawrev-3950	38	9	no	no	INTJ
inlawrev-3950	38	10	.	.	PUNCT
inlawrev-3950	39	1	l08cv062	l08cv062	PROPN
inlawrev-3950	39	2	(	(	PUNCT
inlawrev-3950	39	3	d.	d.	PROPN
inlawrev-3950	39	4	md	md	PROPN
inlawrev-3950	39	5	.	.	PUNCT
inlawrev-3950	40	1	jan	jan	PROPN
inlawrev-3950	40	2	.	.	PROPN
inlawrev-3950	40	3	8	8	NUM
inlawrev-3950	40	4	,	,	PUNCT
inlawrev-3950	40	5	2008	2008	NUM
inlawrev-3950	40	6	)	)	PUNCT
inlawrev-3950	40	7	,	,	PUNCT
inlawrev-3950	40	8	2008	2008	NUM
inlawrev-3950	40	9	wl	wl	SYM
inlawrev-3950	40	10	117894	117894	NUM
inlawrev-3950	40	11	2008	2008	NUM
inlawrev-3950	40	12	]	]	PUNCT
inlawrev-3950	41	1	future	future	NOUN
inlawrev-3950	41	2	of	of	ADP
inlawrev-3950	41	3	the	the	DET
inlawrev-3950	41	4	fair	fair	ADJ
inlawrev-3950	41	5	housing	housing	PROPN
inlawrev-3950	41	6	act	act	NOUN
inlawrev-3950	41	7	63	63	NUM
inlawrev-3950	41	8	1	1	NUM
inlawrev-3950	41	9	foreclosures	foreclosure	NOUN
inlawrev-3950	41	10	,	,	PUNCT
inlawrev-3950	41	11	it	it	PRON
inlawrev-3950	41	12	contends	contend	VERB
inlawrev-3950	41	13	,	,	PUNCT
inlawrev-3950	41	14	are	be	AUX
inlawrev-3950	41	15	destroying	destroy	VERB
inlawrev-3950	41	16	minority	minority	NOUN
inlawrev-3950	41	17	neighborhoods	neighborhood	NOUN
inlawrev-3950	41	18	and	and	CCONJ
inlawrev-3950	41	19	costing	cost	VERB
inlawrev-3950	41	20	the	the	DET
inlawrev-3950	41	21	city	city	NOUN
inlawrev-3950	41	22	millions	million	NOUN
inlawrev-3950	41	23	of	of	ADP
inlawrev-3950	41	24	dollars	dollar	NOUN
inlawrev-3950	41	25	in	in	ADP
inlawrev-3950	41	26	out	out	ADP
inlawrev-3950	41	27	of	of	ADP
inlawrev-3950	41	28	pocket	pocket	NOUN
inlawrev-3950	41	29	costs	cost	NOUN
inlawrev-3950	41	30	and	and	CCONJ
inlawrev-3950	41	31	damages.^	damages.^	NOUN
inlawrev-3950	41	32	'	'	PART
inlawrev-3950	41	33	one	one	PRON
inlawrev-3950	41	34	can	can	AUX
inlawrev-3950	41	35	reasonably	reasonably	ADV
inlawrev-3950	41	36	assume	assume	VERB
inlawrev-3950	41	37	other	other	ADJ
inlawrev-3950	41	38	cities	city	NOUN
inlawrev-3950	41	39	are	be	AUX
inlawrev-3950	41	40	now	now	ADV
inlawrev-3950	41	41	contemplating	contemplate	VERB
inlawrev-3950	41	42	similar	similar	ADJ
inlawrev-3950	41	43	actions	action	NOUN
inlawrev-3950	41	44	.	.	PUNCT
inlawrev-3950	42	1	'^	'^	NOUN
inlawrev-3950	42	2	this	this	DET
inlawrev-3950	42	3	development	development	NOUN
inlawrev-3950	42	4	is	be	AUX
inlawrev-3950	42	5	possible	possible	ADJ
inlawrev-3950	42	6	because	because	SCONJ
inlawrev-3950	42	7	standing	stand	VERB
inlawrev-3950	42	8	under	under	ADP
inlawrev-3950	42	9	the	the	DET
inlawrev-3950	42	10	fha	fha	PROPN
inlawrev-3950	42	11	is	be	AUX
inlawrev-3950	42	12	uniquely	uniquely	ADV
inlawrev-3950	42	13	suited	suited	ADJ
inlawrev-3950	42	14	to	to	PART
inlawrev-3950	42	15	permit	permit	VERB
inlawrev-3950	42	16	cities	city	NOUN
inlawrev-3950	42	17	the	the	DET
inlawrev-3950	42	18	ability	ability	NOUN
inlawrev-3950	42	19	to	to	PART
inlawrev-3950	42	20	sue	sue	VERB
inlawrev-3950	42	21	as	as	ADP
inlawrev-3950	42	22	an	an	DET
inlawrev-3950	42	23	"	"	PUNCT
inlawrev-3950	42	24	aggrieved	aggrieved	ADJ
inlawrev-3950	42	25	person	person	NOUN
inlawrev-3950	42	26	"	"	PUNCT
inlawrev-3950	42	27	in	in	ADP
inlawrev-3950	42	28	their	their	PRON
inlawrev-3950	42	29	own	own	ADJ
inlawrev-3950	42	30	right	right	NOUN
inlawrev-3950	42	31	.	.	PUNCT
inlawrev-3950	43	1	this	this	DET
inlawrev-3950	43	2	legal	legal	ADJ
inlawrev-3950	43	3	development	development	NOUN
inlawrev-3950	43	4	has	have	VERB
inlawrev-3950	43	5	the	the	DET
inlawrev-3950	43	6	power	power	NOUN
inlawrev-3950	43	7	to	to	PART
inlawrev-3950	43	8	be	be	AUX
inlawrev-3950	43	9	truly	truly	ADV
inlawrev-3950	43	10	transformative	transformative	ADJ
inlawrev-3950	43	11	,	,	PUNCT
inlawrev-3950	43	12	not	not	PART
inlawrev-3950	43	13	simply	simply	ADV
inlawrev-3950	43	14	in	in	ADP
inlawrev-3950	43	15	terms	term	NOUN
inlawrev-3950	43	16	of	of	ADP
inlawrev-3950	43	17	its	its	PRON
inlawrev-3950	43	18	ability	ability	NOUN
inlawrev-3950	43	19	to	to	PART
inlawrev-3950	43	20	reform	reform	VERB
inlawrev-3950	43	21	an	an	DET
inlawrev-3950	43	22	industry	industry	NOUN
inlawrev-3950	43	23	,	,	PUNCT
inlawrev-3950	43	24	but	but	CCONJ
inlawrev-3950	43	25	in	in	ADP
inlawrev-3950	43	26	its	its	PRON
inlawrev-3950	43	27	potential	potential	NOUN
inlawrev-3950	43	28	to	to	PART
inlawrev-3950	43	29	promote	promote	VERB
inlawrev-3950	43	30	integration	integration	NOUN
inlawrev-3950	43	31	through	through	ADP
inlawrev-3950	43	32	the	the	DET
inlawrev-3950	43	33	stabilization	stabilization	NOUN
inlawrev-3950	43	34	of	of	ADP
inlawrev-3950	43	35	transitional	transitional	ADJ
inlawrev-3950	43	36	minority	minority	NOUN
inlawrev-3950	43	37	neighborhoods	neighborhood	NOUN
inlawrev-3950	43	38	.	.	PUNCT
inlawrev-3950	44	1	lowering	lower	VERB
inlawrev-3950	44	2	the	the	DET
inlawrev-3950	44	3	barriers	barrier	NOUN
inlawrev-3950	44	4	to	to	ADP
inlawrev-3950	44	5	integration	integration	NOUN
inlawrev-3950	44	6	requires	require	VERB
inlawrev-3950	44	7	,	,	PUNCT
inlawrev-3950	44	8	in	in	ADP
inlawrev-3950	44	9	the	the	DET
inlawrev-3950	44	10	first	first	ADJ
inlawrev-3950	44	11	instance	instance	NOUN
inlawrev-3950	44	12	,	,	PUNCT
inlawrev-3950	44	13	stopping	stop	VERB
inlawrev-3950	44	14	the	the	DET
inlawrev-3950	44	15	downward	downward	ADJ
inlawrev-3950	44	16	socio	socio	NOUN
inlawrev-3950	44	17	-	-	PUNCT
inlawrev-3950	44	18	economic	economic	ADJ
inlawrev-3950	44	19	spiral	spiral	NOUN
inlawrev-3950	44	20	of	of	ADP
inlawrev-3950	44	21	hypersegregated	hypersegregated	ADJ
inlawrev-3950	44	22	communities	community	NOUN
inlawrev-3950	44	23	.	.	PUNCT
inlawrev-3950	45	1	the	the	DET
inlawrev-3950	45	2	racial	racial	ADJ
inlawrev-3950	45	3	mobility	mobility	NOUN
inlawrev-3950	45	4	that	that	PRON
inlawrev-3950	45	5	massey	massey	PROPN
inlawrev-3950	45	6	and	and	CCONJ
inlawrev-3950	45	7	denton	denton	PROPN
inlawrev-3950	45	8	have	have	AUX
inlawrev-3950	45	9	shown	show	VERB
inlawrev-3950	45	10	is	be	AUX
inlawrev-3950	45	11	critical	critical	ADJ
inlawrev-3950	45	12	to	to	ADP
inlawrev-3950	45	13	integrated	integrate	VERB
inlawrev-3950	45	14	living	living	NOUN
inlawrev-3950	45	15	patterns	pattern	NOUN
inlawrev-3950	45	16	can	can	AUX
inlawrev-3950	45	17	not	not	PART
inlawrev-3950	45	18	take	take	VERB
inlawrev-3950	45	19	place	place	NOUN
inlawrev-3950	45	20	until	until	SCONJ
inlawrev-3950	45	21	segregated	segregated	ADJ
inlawrev-3950	45	22	minority	minority	NOUN
inlawrev-3950	45	23	neighborhoods	neighborhood	NOUN
inlawrev-3950	45	24	have	have	AUX
inlawrev-3950	45	25	achieved	achieve	VERB
inlawrev-3950	45	26	levels	level	NOUN
inlawrev-3950	45	27	of	of	ADP
inlawrev-3950	45	28	stability	stability	NOUN
inlawrev-3950	45	29	(	(	PUNCT
inlawrev-3950	45	30	and	and	CCONJ
inlawrev-3950	45	31	ultimately	ultimately	ADV
inlawrev-3950	45	32	prosperity	prosperity	NOUN
inlawrev-3950	45	33	)	)	PUNCT
inlawrev-3950	45	34	that	that	SCONJ
inlawrev-3950	45	35	only	only	ADV
inlawrev-3950	45	36	remedial	remedial	ADJ
inlawrev-3950	45	37	investment	investment	NOUN
inlawrev-3950	45	38	can	can	AUX
inlawrev-3950	45	39	bring	bring	VERB
inlawrev-3950	45	40	.	.	PUNCT
inlawrev-3950	46	1	the	the	DET
inlawrev-3950	46	2	impending	impending	ADJ
inlawrev-3950	46	3	wave	wave	NOUN
inlawrev-3950	46	4	of	of	ADP
inlawrev-3950	46	5	municipal	municipal	ADJ
inlawrev-3950	46	6	lawsuits	lawsuit	NOUN
inlawrev-3950	46	7	has	have	VERB
inlawrev-3950	46	8	the	the	DET
inlawrev-3950	46	9	potential	potential	NOUN
inlawrev-3950	46	10	to	to	PART
inlawrev-3950	46	11	bring	bring	VERB
inlawrev-3950	46	12	that	that	DET
inlawrev-3950	46	13	investment	investment	NOUN
inlawrev-3950	46	14	and	and	CCONJ
inlawrev-3950	46	15	,	,	PUNCT
inlawrev-3950	46	16	with	with	ADP
inlawrev-3950	46	17	it	it	PRON
inlawrev-3950	46	18	,	,	PUNCT
inlawrev-3950	46	19	renewed	renew	VERB
inlawrev-3950	46	20	hope	hope	NOUN
inlawrev-3950	46	21	for	for	ADP
inlawrev-3950	46	22	progress	progress	NOUN
inlawrev-3950	46	23	on	on	ADP
inlawrev-3950	46	24	the	the	DET
inlawrev-3950	46	25	integration	integration	NOUN
inlawrev-3950	46	26	front	front	NOUN
inlawrev-3950	46	27	.	.	PUNCT
inlawrev-3950	47	1	as	as	ADP
inlawrev-3950	47	2	with	with	ADP
inlawrev-3950	47	3	any	any	DET
inlawrev-3950	47	4	new	new	ADJ
inlawrev-3950	47	5	litigation	litigation	NOUN
inlawrev-3950	47	6	strategy	strategy	NOUN
inlawrev-3950	47	7	,	,	PUNCT
inlawrev-3950	47	8	the	the	DET
inlawrev-3950	47	9	tendency	tendency	NOUN
inlawrev-3950	47	10	exists	exist	VERB
inlawrev-3950	47	11	to	to	PART
inlawrev-3950	47	12	overstate	overstate	VERB
inlawrev-3950	47	13	the	the	DET
inlawrev-3950	47	14	possibilities	possibility	NOUN
inlawrev-3950	47	15	when	when	SCONJ
inlawrev-3950	47	16	the	the	DET
inlawrev-3950	47	17	ideas	idea	NOUN
inlawrev-3950	47	18	are	be	AUX
inlawrev-3950	47	19	fresh	fresh	ADJ
inlawrev-3950	47	20	and	and	CCONJ
inlawrev-3950	47	21	untested	untested	ADJ
inlawrev-3950	47	22	.	.	PUNCT
inlawrev-3950	48	1	that	that	DET
inlawrev-3950	48	2	risk	risk	NOUN
inlawrev-3950	48	3	exists	exist	VERB
inlawrev-3950	48	4	here	here	ADV
inlawrev-3950	48	5	as	as	ADV
inlawrev-3950	48	6	well	well	ADV
inlawrev-3950	48	7	.	.	PUNCT
inlawrev-3950	49	1	what	what	PRON
inlawrev-3950	49	2	makes	make	VERB
inlawrev-3950	49	3	this	this	DET
inlawrev-3950	49	4	moment	moment	NOUN
inlawrev-3950	49	5	different	different	ADJ
inlawrev-3950	49	6	is	be	AUX
inlawrev-3950	49	7	the	the	DET
inlawrev-3950	49	8	ample	ample	ADJ
inlawrev-3950	49	9	evidence	evidence	NOUN
inlawrev-3950	49	10	of	of	ADP
inlawrev-3950	49	11	powerful	powerful	ADJ
inlawrev-3950	49	12	outcomes	outcome	NOUN
inlawrev-3950	49	13	when	when	SCONJ
inlawrev-3950	49	14	public	public	ADJ
inlawrev-3950	49	15	bodies	body	NOUN
inlawrev-3950	49	16	pool	pool	VERB
inlawrev-3950	49	17	their	their	PRON
inlawrev-3950	49	18	resources	resource	NOUN
inlawrev-3950	49	19	to	to	PART
inlawrev-3950	49	20	attack	attack	VERB
inlawrev-3950	49	21	a	a	DET
inlawrev-3950	49	22	problem	problem	NOUN
inlawrev-3950	49	23	.	.	PUNCT
inlawrev-3950	50	1	america	america	PROPN
inlawrev-3950	50	2	's	's	PART
inlawrev-3950	50	3	mayors	mayor	NOUN
inlawrev-3950	50	4	have	have	VERB
inlawrev-3950	50	5	the	the	DET
inlawrev-3950	50	6	ability	ability	NOUN
inlawrev-3950	50	7	to	to	PART
inlawrev-3950	50	8	do	do	AUX
inlawrev-3950	50	9	now	now	ADV
inlawrev-3950	50	10	what	what	PRON
inlawrev-3950	50	11	state	state	NOUN
inlawrev-3950	50	12	attorneys	attorney	NOUN
inlawrev-3950	50	13	general	general	ADJ
inlawrev-3950	50	14	have	have	VERB
inlawrev-3950	50	15	many	many	ADJ
inlawrev-3950	50	16	times	time	NOUN
inlawrev-3950	50	17	shown	show	VERB
inlawrev-3950	50	18	to	to	PART
inlawrev-3950	50	19	be	be	AUX
inlawrev-3950	50	20	possible	possible	ADJ
inlawrev-3950	50	21	when	when	SCONJ
inlawrev-3950	50	22	they	they	PRON
inlawrev-3950	50	23	have	have	AUX
inlawrev-3950	50	24	come	come	VERB
inlawrev-3950	50	25	together	together	ADV
inlawrev-3950	50	26	to	to	PART
inlawrev-3950	50	27	fight	fight	VERB
inlawrev-3950	50	28	a	a	DET
inlawrev-3950	50	29	common	common	ADJ
inlawrev-3950	50	30	foe	foe	NOUN
inlawrev-3950	50	31	—	—	PUNCT
inlawrev-3950	50	32	whether	whether	SCONJ
inlawrev-3950	50	33	it	it	PRON
inlawrev-3950	50	34	be	be	VERB
inlawrev-3950	50	35	tobacco	tobacco	NOUN
inlawrev-3950	50	36	,	,	PUNCT
inlawrev-3950	50	37	drugs	drug	NOUN
inlawrev-3950	50	38	,	,	PUNCT
inlawrev-3950	50	39	or	or	CCONJ
inlawrev-3950	50	40	guns.^^	guns.^^	X
inlawrev-3950	50	41	the	the	DET
inlawrev-3950	50	42	purpose	purpose	NOUN
inlawrev-3950	50	43	of	of	ADP
inlawrev-3950	50	44	this	this	DET
inlawrev-3950	50	45	article	article	NOUN
inlawrev-3950	50	46	is	be	AUX
inlawrev-3950	50	47	to	to	PART
inlawrev-3950	50	48	discuss	discuss	VERB
inlawrev-3950	50	49	and	and	CCONJ
inlawrev-3950	50	50	explore	explore	VERB
inlawrev-3950	50	51	the	the	DET
inlawrev-3950	50	52	opportunity	opportunity	NOUN
inlawrev-3950	50	53	this	this	DET
inlawrev-3950	50	54	new	new	ADJ
inlawrev-3950	50	55	litigation	litigation	NOUN
inlawrev-3950	50	56	initiative	initiative	NOUN
inlawrev-3950	50	57	creates	create	VERB
inlawrev-3950	50	58	to	to	PART
inlawrev-3950	50	59	deal	deal	VERB
inlawrev-3950	50	60	with	with	ADP
inlawrev-3950	50	61	the	the	DET
inlawrev-3950	50	62	unresolved	unresolved	ADJ
inlawrev-3950	50	63	problem	problem	NOUN
inlawrev-3950	50	64	of	of	ADP
inlawrev-3950	50	65	integration	integration	NOUN
inlawrev-3950	50	66	.	.	PUNCT
inlawrev-3950	51	1	the	the	DET
inlawrev-3950	51	2	context	context	NOUN
inlawrev-3950	51	3	for	for	ADP
inlawrev-3950	51	4	this	this	DET
inlawrev-3950	51	5	discussion	discussion	NOUN
inlawrev-3950	51	6	is	be	AUX
inlawrev-3950	51	7	baltimore	baltimore	PROPN
inlawrev-3950	51	8	,	,	PUNCT
inlawrev-3950	51	9	where	where	SCONJ
inlawrev-3950	51	10	the	the	DET
inlawrev-3950	51	11	first	first	ADJ
inlawrev-3950	51	12	of	of	ADP
inlawrev-3950	51	13	the	the	DET
inlawrev-3950	51	14	municipal	municipal	ADJ
inlawrev-3950	51	15	suits	suit	NOUN
inlawrev-3950	51	16	has	have	AUX
inlawrev-3950	51	17	been	be	AUX
inlawrev-3950	51	18	filed	file	VERB
inlawrev-3950	51	19	.	.	PUNCT
inlawrev-3950	52	1	'	'	PUNCT
inlawrev-3950	52	2	"	"	PUNCT
inlawrev-3950	52	3	^	^	PUNCT
inlawrev-3950	52	4	part	part	NOUN
inlawrev-3950	52	5	i	i	PRON
inlawrev-3950	52	6	sets	set	VERB
inlawrev-3950	52	7	out	out	ADP
inlawrev-3950	52	8	the	the	DET
inlawrev-3950	52	9	factual	factual	ADJ
inlawrev-3950	52	10	background	background	NOUN
inlawrev-3950	52	11	for	for	ADP
inlawrev-3950	52	12	the	the	DET
inlawrev-3950	52	13	baltimore	baltimore	PROPN
inlawrev-3950	52	14	suit	suit	NOUN
inlawrev-3950	52	15	.	.	PUNCT
inlawrev-3950	53	1	part	part	NOUN
inlawrev-3950	53	2	n	n	PROPN
inlawrev-3950	53	3	discusses	discuss	VERB
inlawrev-3950	53	4	the	the	DET
inlawrev-3950	53	5	specific	specific	ADJ
inlawrev-3950	53	6	allegations	allegation	NOUN
inlawrev-3950	53	7	against	against	ADP
inlawrev-3950	53	8	the	the	DET
inlawrev-3950	53	9	defendant	defendant	NOUN
inlawrev-3950	53	10	wells	wells	PROPN
inlawrev-3950	53	11	fargo	fargo	PROPN
inlawrev-3950	53	12	and	and	CCONJ
inlawrev-3950	53	13	the	the	DET
inlawrev-3950	53	14	basis	basis	NOUN
inlawrev-3950	53	15	for	for	ADP
inlawrev-3950	53	16	the	the	DET
inlawrev-3950	53	17	fha	fha	PROPN
inlawrev-3950	53	18	violations	violation	NOUN
inlawrev-3950	53	19	alleged	allege	VERB
inlawrev-3950	53	20	.	.	PUNCT
inlawrev-3950	54	1	part	part	NOUN
inlawrev-3950	54	2	hi	hi	INTJ
inlawrev-3950	54	3	discusses	discuss	VERB
inlawrev-3950	54	4	the	the	DET
inlawrev-3950	54	5	injury	injury	NOUN
inlawrev-3950	54	6	to	to	ADP
inlawrev-3950	54	7	the	the	DET
inlawrev-3950	54	8	city	city	NOUN
inlawrev-3950	54	9	and	and	CCONJ
inlawrev-3950	54	10	the	the	DET
inlawrev-3950	54	11	methodological	methodological	ADJ
inlawrev-3950	54	12	means	mean	NOUN
inlawrev-3950	54	13	by	by	ADP
inlawrev-3950	54	14	which	which	PRON
inlawrev-3950	54	15	any	any	DET
inlawrev-3950	54	16	city	city	NOUN
inlawrev-3950	54	17	faced	face	VERB
inlawrev-3950	54	18	with	with	ADP
inlawrev-3950	54	19	similar	similar	ADJ
inlawrev-3950	54	20	facts	fact	NOUN
inlawrev-3950	54	21	can	can	AUX
inlawrev-3950	54	22	both	both	PRON
inlawrev-3950	54	23	prove	prove	VERB
inlawrev-3950	54	24	and	and	CCONJ
inlawrev-3950	54	25	quantify	quantify	VERB
inlawrev-3950	54	26	the	the	DET
inlawrev-3950	54	27	injury	injury	NOUN
inlawrev-3950	54	28	.	.	PUNCT
inlawrev-3950	55	1	finally	finally	ADV
inlawrev-3950	55	2	,	,	PUNCT
inlawrev-3950	55	3	part	part	NOUN
inlawrev-3950	55	4	iv	iv	NUM
inlawrev-3950	55	5	explores	explore	VERB
inlawrev-3950	55	6	the	the	DET
inlawrev-3950	55	7	implications	implication	NOUN
inlawrev-3950	55	8	that	that	SCONJ
inlawrev-3950	55	9	the	the	DET
inlawrev-3950	55	10	remedies	remedy	NOUN
inlawrev-3950	55	11	sought	seek	VERB
inlawrev-3950	55	12	by	by	ADP
inlawrev-3950	55	13	baltimore	baltimore	PROPN
inlawrev-3950	55	14	have	have	VERB
inlawrev-3950	55	15	for	for	ADP
inlawrev-3950	55	16	the	the	DET
inlawrev-3950	55	17	broader	broad	ADJ
inlawrev-3950	55	18	struggle	struggle	NOUN
inlawrev-3950	55	19	to	to	PART
inlawrev-3950	55	20	promote	promote	VERB
inlawrev-3950	55	21	integration	integration	NOUN
inlawrev-3950	55	22	.	.	PUNCT
inlawrev-3950	56	1	it	it	PRON
inlawrev-3950	56	2	is	be	AUX
inlawrev-3950	56	3	this	this	DET
inlawrev-3950	56	4	last	last	ADJ
inlawrev-3950	56	5	connection	connection	NOUN
inlawrev-3950	56	6	—	—	PUNCT
inlawrev-3950	56	7	that	that	SCONJ
inlawrev-3950	56	8	between	between	ADP
inlawrev-3950	56	9	the	the	DET
inlawrev-3950	56	10	litigation	litigation	NOUN
inlawrev-3950	56	11	objective	objective	NOUN
inlawrev-3950	56	12	and	and	CCONJ
inlawrev-3950	56	13	unresolved	unresolve	VERB
inlawrev-3950	56	14	fha	fha	PROPN
inlawrev-3950	56	15	objective	objective	NOUN
inlawrev-3950	56	16	of	of	ADP
inlawrev-3950	56	17	integration	integration	NOUN
inlawrev-3950	56	18	—	—	PUNCT
inlawrev-3950	56	19	that	that	PRON
inlawrev-3950	56	20	remains	remain	VERB
inlawrev-3950	56	21	the	the	DET
inlawrev-3950	56	22	most	most	ADV
inlawrev-3950	56	23	difficult	difficult	ADJ
inlawrev-3950	56	24	to	to	PART
inlawrev-3950	56	25	unravel	unravel	VERB
inlawrev-3950	56	26	.	.	PUNCT
inlawrev-3950	57	1	explaining	explain	VERB
inlawrev-3950	57	2	our	our	PRON
inlawrev-3950	57	3	failure	failure	NOUN
inlawrev-3950	57	4	to	to	PART
inlawrev-3950	57	5	achieve	achieve	VERB
inlawrev-3950	57	6	integrated	integrated	ADJ
inlawrev-3950	57	7	living	living	NOUN
inlawrev-3950	57	8	patterns	pattern	NOUN
inlawrev-3950	57	9	forty	forty	NUM
inlawrev-3950	57	10	years	year	NOUN
inlawrev-3950	57	11	after	after	SCONJ
inlawrev-3950	57	12	the	the	DET
inlawrev-3950	57	13	passage	passage	NOUN
inlawrev-3950	57	14	of	of	ADP
inlawrev-3950	57	15	the	the	DET
inlawrev-3950	57	16	fha	fha	PROPN
inlawrev-3950	57	17	requires	require	VERB
inlawrev-3950	57	18	an	an	DET
inlawrev-3950	57	19	understanding	understanding	NOUN
inlawrev-3950	57	20	of	of	ADP
inlawrev-3950	57	21	american	american	ADJ
inlawrev-3950	57	22	history	history	NOUN
inlawrev-3950	57	23	and	and	CCONJ
inlawrev-3950	57	24	[	[	X
inlawrev-3950	57	25	hereinafter	hereinafter	NOUN
inlawrev-3950	57	26	bait	bait	NOUN
inlawrev-3950	57	27	.	.	PUNCT
inlawrev-3950	58	1	complaint	complaint	NOUN
inlawrev-3950	58	2	]	]	PUNCT
inlawrev-3950	58	3	.	.	PUNCT
inlawrev-3950	59	1	11	11	NUM
inlawrev-3950	59	2	.	.	PUNCT
inlawrev-3950	60	1	id.f5	id.f5	PROPN
inlawrev-3950	60	2	.	.	PUNCT
inlawrev-3950	61	1	12	12	NUM
inlawrev-3950	61	2	.	.	PUNCT
inlawrev-3950	62	1	see	see	VERB
inlawrev-3950	62	2	,	,	PUNCT
inlawrev-3950	62	3	e.g	e.g	PROPN
inlawrev-3950	62	4	..	..	PUNCT
inlawrev-3950	62	5	complaint	complaint	NOUN
inlawrev-3950	62	6	f	f	PROPN
inlawrev-3950	62	7	9	9	NUM
inlawrev-3950	62	8	,	,	PUNCT
inlawrev-3950	62	9	city	city	NOUN
inlawrev-3950	62	10	of	of	ADP
inlawrev-3950	62	11	cleveland	cleveland	PROPN
inlawrev-3950	62	12	v.	v.	PROPN
inlawrev-3950	62	13	deutsche	deutsche	PROPN
inlawrev-3950	62	14	bank	bank	PROPN
inlawrev-3950	62	15	trust	trust	PROPN
inlawrev-3950	62	16	co.	co.	PROPN
inlawrev-3950	62	17	,	,	PUNCT
inlawrev-3950	62	18	no	no	INTJ
inlawrev-3950	62	19	.	.	PUNCT
inlawrev-3950	62	20	cv-08646970	cv-08646970	PROPN
inlawrev-3950	62	21	(	(	PUNCT
inlawrev-3950	62	22	ohio	ohio	PROPN
inlawrev-3950	62	23	ct	ct	PROPN
inlawrev-3950	62	24	.	.	PUNCT
inlawrev-3950	62	25	com	com	PROPN
inlawrev-3950	62	26	.	.	PUNCT
inlawrev-3950	63	1	pi	pi	PROPN
inlawrev-3950	63	2	.	.	PUNCT
inlawrev-3950	64	1	jan	jan	PROPN
inlawrev-3950	64	2	.	.	PROPN
inlawrev-3950	64	3	10	10	NUM
inlawrev-3950	64	4	,	,	PUNCT
inlawrev-3950	64	5	2008	2008	NUM
inlawrev-3950	64	6	)	)	PUNCT
inlawrev-3950	65	1	[	[	X
inlawrev-3950	65	2	hereinafter	hereinafter	NOUN
inlawrev-3950	65	3	cleveland	cleveland	PROPN
inlawrev-3950	65	4	complaint	complaint	PROPN
inlawrev-3950	65	5	]	]	PUNCT
inlawrev-3950	65	6	(	(	PUNCT
inlawrev-3950	65	7	asserting	assert	VERB
inlawrev-3950	65	8	public	public	ADJ
inlawrev-3950	65	9	nuisance	nuisance	NOUN
inlawrev-3950	65	10	,	,	PUNCT
inlawrev-3950	65	11	not	not	PART
inlawrev-3950	65	12	fair	fair	ADJ
inlawrev-3950	65	13	housing	housing	NOUN
inlawrev-3950	65	14	,	,	PUNCT
inlawrev-3950	65	15	claim	claim	NOUN
inlawrev-3950	65	16	)	)	PUNCT
inlawrev-3950	65	17	.	.	PUNCT
inlawrev-3950	66	1	13	13	X
inlawrev-3950	66	2	.	.	X
inlawrev-3950	67	1	see	see	VERB
inlawrev-3950	67	2	,	,	PUNCT
inlawrev-3950	67	3	e.g.	e.g.	ADV
inlawrev-3950	67	4	,	,	PUNCT
inlawrev-3950	67	5	state	state	NOUN
inlawrev-3950	67	6	cancer	cancer	NOUN
inlawrev-3950	67	7	legislative	legislative	ADJ
inlawrev-3950	67	8	database	database	NOUN
inlawrev-3950	67	9	program	program	NOUN
inlawrev-3950	67	10	,	,	PUNCT
inlawrev-3950	67	11	nat'l	nat'l	NOUN
inlawrev-3950	67	12	cancer	cancer	NOUN
inlawrev-3950	67	13	inst	inst	PROPN
inlawrev-3950	67	14	.	.	PROPN
inlawrev-3950	67	15	,	,	PUNCT
inlawrev-3950	67	16	tobacco	tobacco	NOUN
inlawrev-3950	67	17	settlement	settlement	NOUN
inlawrev-3950	67	18	(	(	PUNCT
inlawrev-3950	67	19	2000	2000	NUM
inlawrev-3950	67	20	)	)	PUNCT
inlawrev-3950	67	21	,	,	PUNCT
inlawrev-3950	67	22	http://www.scld-nci.net/factsheets/pdf/factshtl-00.pdf	http://www.scld-nci.net/factsheets/pdf/factshtl-00.pdf	PROPN
inlawrev-3950	67	23	.	.	PROPN
inlawrev-3950	67	24	14	14	NUM
inlawrev-3950	67	25	.	.	PUNCT
inlawrev-3950	68	1	bait	bait	NOUN
inlawrev-3950	68	2	.	.	PUNCT
inlawrev-3950	69	1	complaint	complaint	NOUN
inlawrev-3950	69	2	,	,	PUNCT
inlawrev-3950	69	3	supra	supra	PROPN
inlawrev-3950	69	4	note	note	NOUN
inlawrev-3950	69	5	10	10	NUM
inlawrev-3950	69	6	.	.	PUNCT
inlawrev-3950	70	1	632	632	NUM
inlawrev-3950	70	2	indiana	indiana	PROPN
inlawrev-3950	70	3	law	law	NOUN
inlawrev-3950	70	4	review	review	NOUN
inlawrev-3950	70	5	[	[	X
inlawrev-3950	70	6	vol	vol	NOUN
inlawrev-3950	70	7	.	.	PUNCT
inlawrev-3950	70	8	41	41	NUM
inlawrev-3950	70	9	:	:	PUNCT
inlawrev-3950	70	10	629	629	NUM
inlawrev-3950	70	11	race	race	NOUN
inlawrev-3950	70	12	relations	relation	NOUN
inlawrev-3950	70	13	that	that	PRON
inlawrev-3950	70	14	could	could	AUX
inlawrev-3950	70	15	fill	fill	VERB
inlawrev-3950	70	16	volumes	volume	NOUN
inlawrev-3950	70	17	.	.	PUNCT
inlawrev-3950	71	1	what	what	PRON
inlawrev-3950	71	2	is	be	AUX
inlawrev-3950	71	3	clear	clear	ADJ
inlawrev-3950	71	4	is	be	AUX
inlawrev-3950	71	5	that	that	SCONJ
inlawrev-3950	71	6	the	the	DET
inlawrev-3950	71	7	subprime	subprime	ADJ
inlawrev-3950	71	8	mortgage	mortgage	NOUN
inlawrev-3950	71	9	foreclosure	foreclosure	NOUN
inlawrev-3950	71	10	crisis	crisis	NOUN
inlawrev-3950	71	11	has	have	AUX
inlawrev-3950	71	12	presented	present	VERB
inlawrev-3950	71	13	us	we	PRON
inlawrev-3950	71	14	with	with	ADP
inlawrev-3950	71	15	a	a	DET
inlawrev-3950	71	16	new	new	ADJ
inlawrev-3950	71	17	opportunity	opportunity	NOUN
inlawrev-3950	71	18	to	to	PART
inlawrev-3950	71	19	take	take	VERB
inlawrev-3950	71	20	critically	critically	ADV
inlawrev-3950	71	21	important	important	ADJ
inlawrev-3950	71	22	steps	step	NOUN
inlawrev-3950	71	23	through	through	ADP
inlawrev-3950	71	24	litigation	litigation	NOUN
inlawrev-3950	71	25	toward	toward	ADP
inlawrev-3950	71	26	stabilizing	stabilize	VERB
inlawrev-3950	71	27	badly	badly	ADV
inlawrev-3950	71	28	damaged	damage	VERB
inlawrev-3950	71	29	minority	minority	NOUN
inlawrev-3950	71	30	neighborhoods	neighborhood	NOUN
inlawrev-3950	71	31	in	in	ADP
inlawrev-3950	71	32	a	a	DET
inlawrev-3950	71	33	way	way	NOUN
inlawrev-3950	71	34	that	that	PRON
inlawrev-3950	71	35	will	will	AUX
inlawrev-3950	71	36	promote	promote	VERB
inlawrev-3950	71	37	integration	integration	NOUN
inlawrev-3950	71	38	.	.	PUNCT
inlawrev-3950	72	1	they	they	PRON
inlawrev-3950	72	2	may	may	AUX
inlawrev-3950	72	3	be	be	AUX
inlawrev-3950	72	4	first	first	ADJ
inlawrev-3950	72	5	steps	step	NOUN
inlawrev-3950	72	6	,	,	PUNCT
inlawrev-3950	72	7	but	but	CCONJ
inlawrev-3950	72	8	they	they	PRON
inlawrev-3950	72	9	are	be	AUX
inlawrev-3950	72	10	essential	essential	ADJ
inlawrev-3950	72	11	if	if	SCONJ
inlawrev-3950	72	12	we	we	PRON
inlawrev-3950	72	13	are	be	AUX
inlawrev-3950	72	14	to	to	PART
inlawrev-3950	72	15	continue	continue	VERB
inlawrev-3950	72	16	to	to	PART
inlawrev-3950	72	17	make	make	VERB
inlawrev-3950	72	18	progress	progress	NOUN
inlawrev-3950	72	19	in	in	ADP
inlawrev-3950	72	20	fulfilling	fulfil	VERB
inlawrev-3950	72	21	dr	dr	PROPN
inlawrev-3950	72	22	.	.	PROPN
inlawrev-3950	72	23	king	king	PROPN
inlawrev-3950	72	24	's	's	PART
inlawrev-3950	72	25	dream	dream	NOUN
inlawrev-3950	72	26	,	,	PUNCT
inlawrev-3950	72	27	and	and	CCONJ
inlawrev-3950	72	28	the	the	DET
inlawrev-3950	72	29	noble	noble	ADJ
inlawrev-3950	72	30	purpose	purpose	NOUN
inlawrev-3950	72	31	of	of	ADP
inlawrev-3950	72	32	our	our	PRON
inlawrev-3950	72	33	fair	fair	ADJ
inlawrev-3950	72	34	housing	housing	NOUN
inlawrev-3950	72	35	laws	law	NOUN
inlawrev-3950	72	36	.	.	PUNCT
inlawrev-3950	73	1	i.	i.	PROPN
inlawrev-3950	73	2	baltimore	baltimore	PROPN
inlawrev-3950	73	3	as	as	SCONJ
inlawrev-3950	73	4	case	case	NOUN
inlawrev-3950	73	5	study	study	NOUN
inlawrev-3950	73	6	:	:	PUNCT
inlawrev-3950	73	7	factual	factual	ADJ
inlawrev-3950	73	8	background	background	NOUN
inlawrev-3950	73	9	of	of	ADP
inlawrev-3950	73	10	baltimore	baltimore	PROPN
inlawrev-3950	73	11	v.	v.	PROPN
inlawrev-3950	73	12	wells	wells	PROPN
inlawrev-3950	73	13	fargo	fargo	PROPN
inlawrev-3950	73	14	a.	a.	PROPN
inlawrev-3950	73	15	the	the	DET
inlawrev-3950	73	16	foreclosure	foreclosure	NOUN
inlawrev-3950	73	17	crisis	crisis	NOUN
inlawrev-3950	73	18	and	and	CCONJ
inlawrev-3950	73	19	baltimore	baltimore	PROPN
inlawrev-3950	73	20	like	like	ADP
inlawrev-3950	73	21	many	many	ADJ
inlawrev-3950	73	22	cities	city	NOUN
inlawrev-3950	73	23	across	across	ADP
inlawrev-3950	73	24	the	the	DET
inlawrev-3950	73	25	country	country	NOUN
inlawrev-3950	73	26	,	,	PUNCT
inlawrev-3950	73	27	baltimore	baltimore	PROPN
inlawrev-3950	73	28	faces	face	VERB
inlawrev-3950	73	29	an	an	DET
inlawrev-3950	73	30	unprecedented	unprecedented	ADJ
inlawrev-3950	73	31	crisis	crisis	NOUN
inlawrev-3950	73	32	of	of	ADP
inlawrev-3950	73	33	residential	residential	ADJ
inlawrev-3950	73	34	mortgage	mortgage	NOUN
inlawrev-3950	73	35	foreclosures	foreclosure	NOUN
inlawrev-3950	73	36	.	.	PUNCT
inlawrev-3950	74	1	there	there	PRON
inlawrev-3950	74	2	have	have	AUX
inlawrev-3950	74	3	been	be	AUX
inlawrev-3950	74	4	more	more	ADJ
inlawrev-3950	74	5	than	than	ADP
inlawrev-3950	74	6	33,000	33,000	NUM
inlawrev-3950	74	7	foreclosure	foreclosure	NOUN
inlawrev-3950	74	8	filings	filing	NOUN
inlawrev-3950	74	9	since	since	SCONJ
inlawrev-3950	74	10	2000,^^	2000,^^	NUM
inlawrev-3950	74	11	and	and	CCONJ
inlawrev-3950	74	12	the	the	DET
inlawrev-3950	74	13	maryland	maryland	PROPN
inlawrev-3950	74	14	department	department	PROPN
inlawrev-3950	74	15	of	of	ADP
inlawrev-3950	74	16	housing	housing	NOUN
inlawrev-3950	74	17	and	and	CCONJ
inlawrev-3950	74	18	community	community	NOUN
inlawrev-3950	74	19	development	development	NOUN
inlawrev-3950	74	20	reported	report	VERB
inlawrev-3950	74	21	in	in	ADP
inlawrev-3950	74	22	october	october	PROPN
inlawrev-3950	74	23	2007	2007	NUM
inlawrev-3950	74	24	that	that	SCONJ
inlawrev-3950	74	25	the	the	DET
inlawrev-3950	74	26	number	number	NOUN
inlawrev-3950	74	27	of	of	ADP
inlawrev-3950	74	28	foreclosure	foreclosure	NOUN
inlawrev-3950	74	29	-	-	PUNCT
inlawrev-3950	74	30	related	relate	VERB
inlawrev-3950	74	31	events	event	NOUN
inlawrev-3950	74	32	in	in	ADP
inlawrev-3950	74	33	baltimore	baltimore	PROPN
inlawrev-3950	74	34	—	—	PUNCT
inlawrev-3950	74	35	notices	notice	NOUN
inlawrev-3950	74	36	of	of	ADP
inlawrev-3950	74	37	default	default	NOUN
inlawrev-3950	74	38	,	,	PUNCT
inlawrev-3950	74	39	foreclosure	foreclosure	NOUN
inlawrev-3950	74	40	sales	sale	NOUN
inlawrev-3950	74	41	,	,	PUNCT
inlawrev-3950	74	42	and	and	CCONJ
inlawrev-3950	74	43	lender	lender	NOUN
inlawrev-3950	74	44	purchases	purchase	NOUN
inlawrev-3950	74	45	of	of	ADP
inlawrev-3950	74	46	foreclosed	foreclose	VERB
inlawrev-3950	74	47	properties	property	NOUN
inlawrev-3950	74	48	—	—	PUNCT
inlawrev-3950	74	49	increased	increase	VERB
inlawrev-3950	74	50	an	an	DET
inlawrev-3950	74	51	extraordinary	extraordinary	ADJ
inlawrev-3950	74	52	fivefold	fivefold	NOUN
inlawrev-3950	74	53	from	from	ADP
inlawrev-3950	74	54	the	the	DET
inlawrev-3950	74	55	first	first	ADJ
inlawrev-3950	74	56	to	to	ADP
inlawrev-3950	74	57	the	the	DET
inlawrev-3950	74	58	second	second	ADJ
inlawrev-3950	74	59	quarter	quarter	NOUN
inlawrev-3950	74	60	of	of	ADP
inlawrev-3950	74	61	last	last	ADJ
inlawrev-3950	74	62	year.^^	year.^^	NOUN
inlawrev-3950	74	63	nationwide	nationwide	ADV
inlawrev-3950	74	64	,	,	PUNCT
inlawrev-3950	74	65	the	the	DET
inlawrev-3950	74	66	foreclosure	foreclosure	NOUN
inlawrev-3950	74	67	crisis	crisis	NOUN
inlawrev-3950	74	68	is	be	AUX
inlawrev-3950	74	69	worsening	worsen	VERB
inlawrev-3950	74	70	rapidly	rapidly	ADV
inlawrev-3950	74	71	and	and	CCONJ
inlawrev-3950	74	72	is	be	AUX
inlawrev-3950	74	73	expected	expect	VERB
inlawrev-3950	74	74	to	to	PART
inlawrev-3950	74	75	deteriorate	deteriorate	VERB
inlawrev-3950	74	76	further	far	ADV
inlawrev-3950	74	77	.	.	PUNCT
inlawrev-3950	75	1	the	the	DET
inlawrev-3950	75	2	number	number	NOUN
inlawrev-3950	75	3	of	of	ADP
inlawrev-3950	75	4	foreclosure	foreclosure	NOUN
inlawrev-3950	75	5	filings	filing	NOUN
inlawrev-3950	75	6	nearly	nearly	ADV
inlawrev-3950	75	7	doubled	double	VERB
inlawrev-3950	75	8	from	from	ADP
inlawrev-3950	75	9	the	the	DET
inlawrev-3950	75	10	third	third	ADJ
inlawrev-3950	75	11	quarter	quarter	NOUN
inlawrev-3950	75	12	of	of	ADP
inlawrev-3950	75	13	2006	2006	NUM
inlawrev-3950	75	14	to	to	ADP
inlawrev-3950	75	15	the	the	DET
inlawrev-3950	75	16	third	third	ADJ
inlawrev-3950	75	17	quarter	quarter	NOUN
inlawrev-3950	75	18	of	of	ADP
inlawrev-3950	75	19	2007.^^	2007.^^	NUM
inlawrev-3950	75	20	one	one	NUM
inlawrev-3950	75	21	out	out	ADP
inlawrev-3950	75	22	of	of	ADP
inlawrev-3950	75	23	every	every	DET
inlawrev-3950	75	24	seventeen	seventeen	NUM
inlawrev-3950	75	25	mortgage	mortgage	NOUN
inlawrev-3950	75	26	holders	holder	NOUN
inlawrev-3950	75	27	is	be	AUX
inlawrev-3950	75	28	no	no	ADV
inlawrev-3950	75	29	longer	long	ADV
inlawrev-3950	75	30	able	able	ADJ
inlawrev-3950	75	31	to	to	PART
inlawrev-3950	75	32	make	make	VERB
inlawrev-3950	75	33	payments	payment	NOUN
inlawrev-3950	75	34	on	on	ADP
inlawrev-3950	75	35	time	time	NOUN
inlawrev-3950	75	36	,	,	PUNCT
inlawrev-3950	75	37	the	the	DET
inlawrev-3950	75	38	highest	high	ADJ
inlawrev-3950	75	39	rate	rate	NOUN
inlawrev-3950	75	40	in	in	ADP
inlawrev-3950	75	41	over	over	ADP
inlawrev-3950	75	42	twenty	twenty	NUM
inlawrev-3950	75	43	years	year	NOUN
inlawrev-3950	75	44	.	.	PUNCT
inlawrev-3950	76	1	^^	^^	PUNCT
inlawrev-3950	76	2	delinquent	delinquent	ADJ
inlawrev-3950	76	3	payments	payment	NOUN
inlawrev-3950	76	4	are	be	AUX
inlawrev-3950	76	5	a	a	DET
inlawrev-3950	76	6	strong	strong	ADJ
inlawrev-3950	76	7	indicator	indicator	NOUN
inlawrev-3950	76	8	of	of	ADP
inlawrev-3950	76	9	near	near	ADJ
inlawrev-3950	76	10	-	-	PUNCT
inlawrev-3950	76	11	term	term	NOUN
inlawrev-3950	76	12	foreclosure	foreclosure	NOUN
inlawrev-3950	76	13	filings	filing	NOUN
inlawrev-3950	76	14	.	.	PUNCT
inlawrev-3950	77	1	equally	equally	ADV
inlawrev-3950	77	2	important	important	ADJ
inlawrev-3950	77	3	,	,	PUNCT
inlawrev-3950	77	4	approximately	approximately	ADV
inlawrev-3950	77	5	150,000	150,000	NUM
inlawrev-3950	77	6	adjustable	adjustable	ADJ
inlawrev-3950	77	7	rate	rate	NOUN
inlawrev-3950	77	8	loans	loan	NOUN
inlawrev-3950	77	9	are	be	AUX
inlawrev-3950	77	10	resetting	reset	VERB
inlawrev-3950	77	11	to	to	ADP
inlawrev-3950	77	12	higher	high	ADJ
inlawrev-3950	77	13	interest	interest	NOUN
inlawrev-3950	77	14	rates	rate	NOUN
inlawrev-3950	77	15	every	every	DET
inlawrev-3950	77	16	month	month	NOUN
inlawrev-3950	77	17	.	.	PUNCT
inlawrev-3950	77	18	^^	^^	PUNCT
inlawrev-3950	78	1	in	in	ADP
inlawrev-3950	78	2	2008	2008	NUM
inlawrev-3950	78	3	,	,	PUNCT
inlawrev-3950	78	4	$	$	SYM
inlawrev-3950	78	5	362	362	NUM
inlawrev-3950	78	6	billion	billion	NUM
inlawrev-3950	78	7	in	in	ADP
inlawrev-3950	78	8	subprime	subprime	ADJ
inlawrev-3950	78	9	loans	loan	NOUN
inlawrev-3950	78	10	will	will	AUX
inlawrev-3950	78	11	reset	reset	VERB
inlawrev-3950	78	12	to	to	ADP
inlawrev-3950	78	13	higher	high	ADJ
inlawrev-3950	78	14	rates.^^	rates.^^	NOUN
inlawrev-3950	78	15	as	as	SCONJ
inlawrev-3950	78	16	the	the	DET
inlawrev-3950	78	17	housing	housing	NOUN
inlawrev-3950	78	18	market	market	NOUN
inlawrev-3950	78	19	continues	continue	VERB
inlawrev-3950	78	20	to	to	PART
inlawrev-3950	78	21	decline	decline	VERB
inlawrev-3950	78	22	,	,	PUNCT
inlawrev-3950	78	23	many	many	ADJ
inlawrev-3950	78	24	of	of	ADP
inlawrev-3950	78	25	these	these	DET
inlawrev-3950	78	26	adjustments	adjustment	NOUN
inlawrev-3950	78	27	will	will	AUX
inlawrev-3950	78	28	result	result	VERB
inlawrev-3950	78	29	in	in	ADP
inlawrev-3950	78	30	foreclosures	foreclosure	NOUN
inlawrev-3950	78	31	.	.	PUNCT
inlawrev-3950	79	1	the	the	DET
inlawrev-3950	79	2	joint	joint	ADJ
inlawrev-3950	79	3	economic	economic	ADJ
inlawrev-3950	79	4	committee	committee	PROPN
inlawrev-3950	79	5	of	of	ADP
inlawrev-3950	79	6	congress	congress	PROPN
inlawrev-3950	79	7	predicts	predict	VERB
inlawrev-3950	79	8	that	that	SCONJ
inlawrev-3950	79	9	from	from	ADP
inlawrev-3950	79	10	2007	2007	NUM
inlawrev-3950	79	11	to	to	ADP
inlawrev-3950	79	12	2009	2009	NUM
inlawrev-3950	79	13	there	there	PRON
inlawrev-3950	79	14	could	could	AUX
inlawrev-3950	79	15	be	be	AUX
inlawrev-3950	79	16	nearly	nearly	ADV
inlawrev-3950	79	17	two	two	NUM
inlawrev-3950	79	18	million	million	NUM
inlawrev-3950	79	19	foreclosures	foreclosure	NOUN
inlawrev-3950	79	20	nationwide	nationwide	ADV
inlawrev-3950	79	21	on	on	ADP
inlawrev-3950	79	22	homes	home	NOUN
inlawrev-3950	79	23	purchased	purchase	VERB
inlawrev-3950	79	24	with	with	ADP
inlawrev-3950	79	25	subprime	subprime	ADJ
inlawrev-3950	79	26	loans	loan	NOUN
inlawrev-3950	79	27	.	.	PUNCT
inlawrev-3950	80	1	^	^	NOUN
inlawrev-3950	80	2	*	*	PUNCT
inlawrev-3950	80	3	15	15	NUM
inlawrev-3950	80	4	.	.	PUNCT
inlawrev-3950	80	5	bait	bait	NOUN
inlawrev-3950	80	6	.	.	PUNCT
inlawrev-3950	81	1	complaint	complaint	NOUN
inlawrev-3950	81	2	,	,	PUNCT
inlawrev-3950	81	3	supra	supra	PROPN
inlawrev-3950	81	4	note	note	PROPN
inlawrev-3950	81	5	10	10	NUM
inlawrev-3950	81	6	,	,	PUNCT
inlawrev-3950	81	7	^	^	PUNCT
inlawrev-3950	81	8	1	1	NUM
inlawrev-3950	81	9	.	.	NUM
inlawrev-3950	81	10	16	16	NUM
inlawrev-3950	81	11	.	.	PUNCT
inlawrev-3950	82	1	md	md	PROPN
inlawrev-3950	82	2	.	.	PUNCT
inlawrev-3950	83	1	dep't	dep't	NOUN
inlawrev-3950	83	2	of	of	ADP
inlawrev-3950	83	3	hous	hous	ADJ
inlawrev-3950	83	4	.	.	PUNCT
inlawrev-3950	83	5	&	&	CCONJ
inlawrev-3950	83	6	cmty	cmty	PROPN
inlawrev-3950	83	7	.	.	PUNCT
inlawrev-3950	84	1	dev	dev	PROPN
inlawrev-3950	84	2	.	.	PROPN
inlawrev-3950	84	3	,	,	PUNCT
inlawrev-3950	84	4	property	property	NOUN
inlawrev-3950	84	5	foreclosures	foreclosure	NOUN
inlawrev-3950	84	6	in	in	ADP
inlawrev-3950	84	7	maryland	maryland	PROPN
inlawrev-3950	84	8	second	second	ADJ
inlawrev-3950	84	9	quarter2007	quarter2007	PROPN
inlawrev-3950	84	10	,	,	PUNCT
inlawrev-3950	84	11	at	at	ADP
inlawrev-3950	84	12	12	12	NUM
inlawrev-3950	84	13	(	(	PUNCT
inlawrev-3950	84	14	2007	2007	NUM
inlawrev-3950	84	15	)	)	PUNCT
inlawrev-3950	84	16	,	,	PUNCT
inlawrev-3950	84	17	http://www.dhcd.state.md.usavebsite/home/document/propforeclos	http://www.dhcd.state.md.usavebsite/home/document/propforeclos	X
inlawrev-3950	84	18	eventsmaryland	eventsmaryland	VERB
inlawrev-3950	84	19	1	1	NUM
inlawrev-3950	84	20	00407.pdf	00407.pdf	NOUN
inlawrev-3950	84	21	.	.	PUNCT
inlawrev-3950	85	1	17	17	NUM
inlawrev-3950	85	2	.	.	X
inlawrev-3950	85	3	editorial	editorial	NOUN
inlawrev-3950	85	4	,	,	PUNCT
inlawrev-3950	85	5	spreading	spread	VERB
inlawrev-3950	85	6	the	the	DET
inlawrev-3950	85	7	misery	misery	NOUN
inlawrev-3950	85	8	,	,	PUNCT
inlawrev-3950	85	9	n.y	n.y	PROPN
inlawrev-3950	85	10	.	.	PROPN
inlawrev-3950	85	11	times	times	PROPN
inlawrev-3950	85	12	,	,	PUNCT
inlawrev-3950	85	13	nov	nov	PROPN
inlawrev-3950	85	14	.	.	PROPN
inlawrev-3950	85	15	29	29	NUM
inlawrev-3950	85	16	,	,	PUNCT
inlawrev-3950	85	17	2007	2007	NUM
inlawrev-3950	85	18	,	,	PUNCT
inlawrev-3950	85	19	at	at	ADP
inlawrev-3950	85	20	a30	a30	NOUN
inlawrev-3950	85	21	.	.	PUNCT
inlawrev-3950	85	22	18	18	NUM
inlawrev-3950	85	23	.	.	X
inlawrev-3950	85	24	bait	bait	NOUN
inlawrev-3950	85	25	.	.	PUNCT
inlawrev-3950	86	1	complaint	complaint	NOUN
inlawrev-3950	86	2	,	,	PUNCT
inlawrev-3950	86	3	supra	supra	PROPN
inlawrev-3950	86	4	note	note	PROPN
inlawrev-3950	86	5	10	10	NUM
inlawrev-3950	86	6	,	,	PUNCT
inlawrev-3950	86	7	^	^	PUNCT
inlawrev-3950	86	8	16	16	NUM
inlawrev-3950	86	9	;	;	PUNCT
inlawrev-3950	86	10	see	see	VERB
inlawrev-3950	86	11	sudeep	sudeep	PROPN
inlawrev-3950	86	12	reddy	reddy	PROPN
inlawrev-3950	86	13	,	,	PUNCT
inlawrev-3950	86	14	home	home	NOUN
inlawrev-3950	86	15	foreclosures	foreclosure	NOUN
inlawrev-3950	86	16	surge	surge	VERB
inlawrev-3950	86	17	to	to	ADP
inlawrev-3950	86	18	a	a	DET
inlawrev-3950	86	19	new	new	ADJ
inlawrev-3950	86	20	high	high	NOUN
inlawrev-3950	86	21	,	,	PUNCT
inlawrev-3950	86	22	wall	wall	PROPN
inlawrev-3950	86	23	st	st	PROPN
inlawrev-3950	86	24	.	.	PROPN
inlawrev-3950	86	25	j.	j.	PROPN
inlawrev-3950	86	26	,	,	PUNCT
inlawrev-3950	86	27	dec	dec	PROPN
inlawrev-3950	86	28	.	.	PROPN
inlawrev-3950	86	29	6	6	NUM
inlawrev-3950	86	30	,	,	PUNCT
inlawrev-3950	86	31	2007	2007	NUM
inlawrev-3950	86	32	,	,	PUNCT
inlawrev-3950	86	33	at	at	ADP
inlawrev-3950	86	34	2	2	NUM
inlawrev-3950	86	35	(	(	PUNCT
inlawrev-3950	86	36	5.59	5.59	NUM
inlawrev-3950	86	37	%	%	NOUN
inlawrev-3950	86	38	delinquency	delinquency	NOUN
inlawrev-3950	86	39	rate	rate	NOUN
inlawrev-3950	86	40	is	be	AUX
inlawrev-3950	86	41	highest	high	ADJ
inlawrev-3950	86	42	since	since	SCONJ
inlawrev-3950	86	43	1986	1986	NUM
inlawrev-3950	86	44	)	)	PUNCT
inlawrev-3950	86	45	.	.	PUNCT
inlawrev-3950	87	1	19	19	NUM
inlawrev-3950	87	2	.	.	PUNCT
inlawrev-3950	87	3	ruth	ruth	PROPN
inlawrev-3950	87	4	simon	simon	PROPN
inlawrev-3950	87	5	,	,	PUNCT
inlawrev-3950	87	6	rising	rise	VERB
inlawrev-3950	87	7	rates	rate	NOUN
inlawrev-3950	87	8	to	to	PART
inlawrev-3950	87	9	worsen	worsen	VERB
inlawrev-3950	87	10	subprime	subprime	ADJ
inlawrev-3950	87	11	mess	mess	NOUN
inlawrev-3950	87	12	—	—	PUNCT
inlawrev-3950	87	13	interest	interest	NOUN
inlawrev-3950	87	14	payments	payment	NOUN
inlawrev-3950	87	15	set	set	VERB
inlawrev-3950	87	16	to	to	PART
inlawrev-3950	87	17	grow	grow	VERB
inlawrev-3950	87	18	on	on	ADP
inlawrev-3950	87	19	$	$	SYM
inlawrev-3950	87	20	362	362	NUM
inlawrev-3950	87	21	billion	billion	NUM
inlawrev-3950	87	22	in	in	ADP
inlawrev-3950	87	23	mortgages	mortgage	NOUN
inlawrev-3950	87	24	in	in	ADP
inlawrev-3950	87	25	2008	2008	NUM
inlawrev-3950	87	26	,	,	PUNCT
inlawrev-3950	87	27	wall	wall	PROPN
inlawrev-3950	87	28	st	st	PROPN
inlawrev-3950	87	29	.	.	PROPN
inlawrev-3950	87	30	j.	j.	PROPN
inlawrev-3950	87	31	,	,	PUNCT
inlawrev-3950	87	32	nov	nov	PROPN
inlawrev-3950	87	33	.	.	PROPN
inlawrev-3950	87	34	24	24	NUM
inlawrev-3950	87	35	,	,	PUNCT
inlawrev-3950	87	36	2007	2007	NUM
inlawrev-3950	87	37	,	,	PUNCT
inlawrev-3950	87	38	at	at	ADP
inlawrev-3950	87	39	al	al	PROPN
inlawrev-3950	87	40	.	.	PROPN
inlawrev-3950	87	41	20	20	NUM
inlawrev-3950	87	42	.	.	PUNCT
inlawrev-3950	88	1	i	i	PRON
inlawrev-3950	88	2	d.	d.	PROPN
inlawrev-3950	88	3	2	2	NUM
inlawrev-3950	88	4	1	1	NUM
inlawrev-3950	88	5	.	.	PUNCT
inlawrev-3950	89	1	majority	majority	NOUN
inlawrev-3950	89	2	staff	staff	NOUN
inlawrev-3950	89	3	of	of	ADP
inlawrev-3950	89	4	the	the	DET
inlawrev-3950	89	5	joint	joint	ADJ
inlawrev-3950	89	6	econ	econ	NOUN
inlawrev-3950	89	7	.	.	PUNCT
inlawrev-3950	90	1	comm	comm	NOUN
inlawrev-3950	90	2	.	.	PUNCT
inlawrev-3950	90	3	,	,	PUNCT
inlawrev-3950	90	4	1	1	NUM
inlawrev-3950	90	5	10th	10th	ADJ
inlawrev-3950	90	6	cong	cong	NOUN
inlawrev-3950	90	7	.	.	PROPN
inlawrev-3950	90	8	,	,	PUNCT
inlawrev-3950	90	9	the	the	DET
inlawrev-3950	90	10	subprime	subprime	ADJ
inlawrev-3950	90	11	lending	lending	NOUN
inlawrev-3950	90	12	crisis	crisis	NOUN
inlawrev-3950	90	13	:	:	PUNCT
inlawrev-3950	90	14	theeconomic	theeconomic	ADJ
inlawrev-3950	90	15	impactonwealth	impactonwealth	NOUN
inlawrev-3950	90	16	,	,	PUNCT
inlawrev-3950	90	17	property	property	NOUN
inlawrev-3950	90	18	values	value	NOUN
inlawrev-3950	90	19	andtaxrevenues	andtaxrevenue	NOUN
inlawrev-3950	90	20	,	,	PUNCT
inlawrev-3950	90	21	andhowwe	andhowwe	PROPN
inlawrev-3950	90	22	got	get	VERB
inlawrev-3950	90	23	here	here	ADV
inlawrev-3950	90	24	12(2007	12(2007	NUM
inlawrev-3950	90	25	)	)	PUNCT
inlawrev-3950	91	1	[	[	X
inlawrev-3950	91	2	hereinafter	hereinafter	VERB
inlawrev-3950	91	3	the	the	DET
inlawrev-3950	91	4	subprime	subprime	ADJ
inlawrev-3950	91	5	lending	lending	NOUN
inlawrev-3950	91	6	crisis	crisis	NOUN
inlawrev-3950	91	7	]	]	PUNCT
inlawrev-3950	91	8	.	.	PUNCT
inlawrev-3950	92	1	of	of	ADP
inlawrev-3950	92	2	the	the	DET
inlawrev-3950	92	3	forty	forty	NUM
inlawrev-3950	92	4	-	-	PUNCT
inlawrev-3950	92	5	four	four	NUM
inlawrev-3950	92	6	million	million	NUM
inlawrev-3950	92	7	active	active	ADJ
inlawrev-3950	92	8	mortgages	mortgage	NOUN
inlawrev-3950	92	9	throughout	throughout	ADP
inlawrev-3950	92	10	the	the	DET
inlawrev-3950	92	11	country	country	NOUN
inlawrev-3950	92	12	currently	currently	ADV
inlawrev-3950	92	13	tracked	track	VERB
inlawrev-3950	92	14	by	by	ADP
inlawrev-3950	92	15	the	the	DET
inlawrev-3950	92	16	mortgage	mortgage	NOUN
inlawrev-3950	92	17	bankers	bankers	PROPN
inlawrev-3950	92	18	association	association	PROPN
inlawrev-3950	92	19	2008	2008	NUM
inlawrev-3950	92	20	]	]	PUNCT
inlawrev-3950	92	21	future	future	NOUN
inlawrev-3950	92	22	of	of	ADP
inlawrev-3950	92	23	the	the	DET
inlawrev-3950	92	24	fair	fair	ADJ
inlawrev-3950	92	25	housing	housing	PROPN
inlawrev-3950	92	26	act	act	NOUN
inlawrev-3950	92	27	633	633	NUM
inlawrev-3950	92	28	foreclosures	foreclosure	NOUN
inlawrev-3950	92	29	have	have	VERB
inlawrev-3950	92	30	multiple	multiple	ADJ
inlawrev-3950	92	31	and	and	CCONJ
inlawrev-3950	92	32	far	far	ADV
inlawrev-3950	92	33	-	-	PUNCT
inlawrev-3950	92	34	reaching	reach	VERB
inlawrev-3950	92	35	impacts	impact	NOUN
inlawrev-3950	92	36	on	on	ADP
inlawrev-3950	92	37	cities	city	NOUN
inlawrev-3950	92	38	like	like	ADP
inlawrev-3950	92	39	baltimore	baltimore	PROPN
inlawrev-3950	92	40	,	,	PUNCT
inlawrev-3950	92	41	especially	especially	ADV
inlawrev-3950	92	42	when	when	SCONJ
inlawrev-3950	92	43	they	they	PRON
inlawrev-3950	92	44	are	be	AUX
inlawrev-3950	92	45	concentrated	concentrate	VERB
inlawrev-3950	92	46	in	in	ADP
inlawrev-3950	92	47	distressed	distressed	ADJ
inlawrev-3950	92	48	neighborhoods	neighborhood	NOUN
inlawrev-3950	92	49	that	that	PRON
inlawrev-3950	92	50	are	be	AUX
inlawrev-3950	92	51	already	already	ADV
inlawrev-3950	92	52	struggling	struggle	VERB
inlawrev-3950	92	53	with	with	ADP
inlawrev-3950	92	54	issues	issue	NOUN
inlawrev-3950	92	55	of	of	ADP
inlawrev-3950	92	56	economic	economic	ADJ
inlawrev-3950	92	57	development	development	NOUN
inlawrev-3950	92	58	and	and	CCONJ
inlawrev-3950	92	59	poverty	poverty	NOUN
inlawrev-3950	92	60	.	.	PUNCT
inlawrev-3950	93	1	foreclosures	foreclosure	NOUN
inlawrev-3950	93	2	in	in	ADP
inlawrev-3950	93	3	these	these	DET
inlawrev-3950	93	4	neighborhoods	neighborhood	NOUN
inlawrev-3950	93	5	frequently	frequently	ADV
inlawrev-3950	93	6	lead	lead	VERB
inlawrev-3950	93	7	to	to	ADP
inlawrev-3950	93	8	abandoned	abandon	VERB
inlawrev-3950	93	9	and	and	CCONJ
inlawrev-3950	93	10	vacant	vacant	ADJ
inlawrev-3950	93	11	homes.^^	homes.^^	X
inlawrev-3950	93	12	estimates	estimate	NOUN
inlawrev-3950	93	13	of	of	ADP
inlawrev-3950	93	14	the	the	DET
inlawrev-3950	93	15	number	number	NOUN
inlawrev-3950	93	16	of	of	ADP
inlawrev-3950	93	17	vacant	vacant	ADJ
inlawrev-3950	93	18	homes	home	NOUN
inlawrev-3950	93	19	in	in	ADP
inlawrev-3950	93	20	baltimore	baltimore	PROPN
inlawrev-3950	93	21	range	range	NOUN
inlawrev-3950	93	22	from	from	ADP
inlawrev-3950	93	23	16,000	16,000	NUM
inlawrev-3950	93	24	to	to	PART
inlawrev-3950	93	25	30,000.^^	30,000.^^	NUM
inlawrev-3950	93	26	concentrated	concentrated	ADJ
inlawrev-3950	93	27	vacancies	vacancy	NOUN
inlawrev-3950	93	28	driven	drive	VERB
inlawrev-3950	93	29	by	by	ADP
inlawrev-3950	93	30	foreclosures	foreclosure	NOUN
inlawrev-3950	93	31	cause	cause	VERB
inlawrev-3950	93	32	neighborhoods	neighborhood	NOUN
inlawrev-3950	93	33	,	,	PUNCT
inlawrev-3950	93	34	especially	especially	ADV
inlawrev-3950	93	35	ones	one	NOUN
inlawrev-3950	93	36	already	already	ADV
inlawrev-3950	93	37	struggling	struggle	VERB
inlawrev-3950	93	38	,	,	PUNCT
inlawrev-3950	93	39	to	to	PART
inlawrev-3950	93	40	decline	decline	VERB
inlawrev-3950	93	41	rapidly.^"^	rapidly.^"^	PROPN
inlawrev-3950	93	42	as	as	SCONJ
inlawrev-3950	93	43	discussed	discuss	VERB
inlawrev-3950	93	44	in	in	ADP
inlawrev-3950	93	45	part	part	NOUN
inlawrev-3950	93	46	hi	hi	INTJ
inlawrev-3950	93	47	below	below	ADV
inlawrev-3950	93	48	,	,	PUNCT
inlawrev-3950	93	49	one	one	NUM
inlawrev-3950	93	50	example	example	NOUN
inlawrev-3950	93	51	of	of	ADP
inlawrev-3950	93	52	how	how	SCONJ
inlawrev-3950	93	53	foreclosures	foreclosure	NOUN
inlawrev-3950	93	54	and	and	CCONJ
inlawrev-3950	93	55	consequent	consequent	ADJ
inlawrev-3950	93	56	vacancies	vacancy	NOUN
inlawrev-3950	93	57	harm	harm	NOUN
inlawrev-3950	93	58	neighborhoods	neighborhood	NOUN
inlawrev-3950	93	59	is	be	AUX
inlawrev-3950	93	60	by	by	ADP
inlawrev-3950	93	61	reducing	reduce	VERB
inlawrev-3950	93	62	the	the	DET
inlawrev-3950	93	63	property	property	NOUN
inlawrev-3950	93	64	values	value	NOUN
inlawrev-3950	93	65	of	of	ADP
inlawrev-3950	93	66	nearby	nearby	ADJ
inlawrev-3950	93	67	homes.^^	homes.^^	X
inlawrev-3950	93	68	in	in	ADP
inlawrev-3950	93	69	baltimore	baltimore	PROPN
inlawrev-3950	93	70	,	,	PUNCT
inlawrev-3950	93	71	as	as	ADP
inlawrev-3950	93	72	in	in	ADP
inlawrev-3950	93	73	other	other	ADJ
inlawrev-3950	93	74	cities	city	NOUN
inlawrev-3950	93	75	,	,	PUNCT
inlawrev-3950	93	76	foreclosures	foreclosure	NOUN
inlawrev-3950	93	77	are	be	AUX
inlawrev-3950	93	78	responsible	responsible	ADJ
inlawrev-3950	93	79	for	for	ADP
inlawrev-3950	93	80	the	the	DET
inlawrev-3950	93	81	loss	loss	NOUN
inlawrev-3950	93	82	of	of	ADP
inlawrev-3950	93	83	hundreds	hundred	NOUN
inlawrev-3950	93	84	of	of	ADP
inlawrev-3950	93	85	millions	million	NOUN
inlawrev-3950	93	86	of	of	ADP
inlawrev-3950	93	87	dollars	dollar	NOUN
inlawrev-3950	93	88	in	in	ADP
inlawrev-3950	93	89	the	the	DET
inlawrev-3950	93	90	value	value	NOUN
inlawrev-3950	93	91	of	of	ADP
inlawrev-3950	93	92	homes	home	NOUN
inlawrev-3950	93	93	.	.	PUNCT
inlawrev-3950	94	1	this	this	PRON
inlawrev-3950	94	2	,	,	PUNCT
inlawrev-3950	94	3	in	in	ADP
inlawrev-3950	94	4	turn	turn	NOUN
inlawrev-3950	94	5	,	,	PUNCT
inlawrev-3950	94	6	reduces	reduce	VERB
inlawrev-3950	94	7	the	the	DET
inlawrev-3950	94	8	city	city	NOUN
inlawrev-3950	94	9	's	's	PART
inlawrev-3950	94	10	revenue	revenue	NOUN
inlawrev-3950	94	11	from	from	ADP
inlawrev-3950	94	12	property	property	NOUN
inlawrev-3950	94	13	taxes.^^	taxes.^^	NUM
inlawrev-3950	94	14	it	it	PRON
inlawrev-3950	94	15	also	also	ADV
inlawrev-3950	94	16	makes	make	VERB
inlawrev-3950	94	17	it	it	PRON
inlawrev-3950	94	18	harder	hard	ADJ
inlawrev-3950	94	19	for	for	SCONJ
inlawrev-3950	94	20	the	the	DET
inlawrev-3950	94	21	city	city	NOUN
inlawrev-3950	94	22	to	to	PART
inlawrev-3950	94	23	borrow	borrow	VERB
inlawrev-3950	94	24	funds	fund	NOUN
inlawrev-3950	94	25	because	because	SCONJ
inlawrev-3950	94	26	the	the	DET
inlawrev-3950	94	27	value	value	NOUN
inlawrev-3950	94	28	of	of	ADP
inlawrev-3950	94	29	the	the	DET
inlawrev-3950	94	30	property	property	NOUN
inlawrev-3950	94	31	tax	tax	NOUN
inlawrev-3950	94	32	base	base	NOUN
inlawrev-3950	94	33	is	be	AUX
inlawrev-3950	94	34	used	use	VERB
inlawrev-3950	94	35	to	to	PART
inlawrev-3950	94	36	qualify	qualify	VERB
inlawrev-3950	94	37	for	for	ADP
inlawrev-3950	94	38	loans	loan	NOUN
inlawrev-3950	94	39	.	.	PUNCT
inlawrev-3950	95	1	cities	city	NOUN
inlawrev-3950	95	2	with	with	ADP
inlawrev-3950	95	3	high	high	ADJ
inlawrev-3950	95	4	rates	rate	NOUN
inlawrev-3950	95	5	of	of	ADP
inlawrev-3950	95	6	foreclosure	foreclosure	NOUN
inlawrev-3950	95	7	,	,	PUNCT
inlawrev-3950	95	8	like	like	ADP
inlawrev-3950	95	9	baltimore	baltimore	PROPN
inlawrev-3950	95	10	,	,	PUNCT
inlawrev-3950	95	11	must	must	AUX
inlawrev-3950	95	12	spend	spend	VERB
inlawrev-3950	95	13	additional	additional	ADJ
inlawrev-3950	95	14	funds	fund	NOUN
inlawrev-3950	95	15	for	for	ADP
inlawrev-3950	95	16	services	service	NOUN
inlawrev-3950	95	17	related	relate	VERB
inlawrev-3950	95	18	to	to	ADP
inlawrev-3950	95	19	foreclosures	foreclosure	NOUN
inlawrev-3950	95	20	,	,	PUNCT
inlawrev-3950	95	21	including	include	VERB
inlawrev-3950	95	22	the	the	DET
inlawrev-3950	95	23	costs	cost	NOUN
inlawrev-3950	95	24	of	of	ADP
inlawrev-3950	95	25	securing	secure	VERB
inlawrev-3950	95	26	vacant	vacant	ADJ
inlawrev-3950	95	27	homes	home	NOUN
inlawrev-3950	95	28	,	,	PUNCT
inlawrev-3950	95	29	holding	hold	VERB
inlawrev-3950	95	30	administrative	administrative	ADJ
inlawrev-3950	95	31	hearings	hearing	NOUN
inlawrev-3950	95	32	,	,	PUNCT
inlawrev-3950	95	33	and	and	CCONJ
inlawrev-3950	95	34	conducting	conduct	VERB
inlawrev-3950	95	35	other	other	ADJ
inlawrev-3950	95	36	administrative	administrative	ADJ
inlawrev-3950	95	37	and	and	CCONJ
inlawrev-3950	95	38	legal	legal	ADJ
inlawrev-3950	95	39	procedures.^^	procedures.^^	X
inlawrev-3950	96	1	the	the	DET
inlawrev-3950	96	2	funds	fund	NOUN
inlawrev-3950	96	3	expended	expend	VERB
inlawrev-3950	96	4	also	also	ADV
inlawrev-3950	96	5	include	include	VERB
inlawrev-3950	96	6	the	the	DET
inlawrev-3950	96	7	costs	cost	NOUN
inlawrev-3950	96	8	of	of	ADP
inlawrev-3950	96	9	providing	provide	VERB
inlawrev-3950	96	10	(	(	PUNCT
inlawrev-3950	96	11	"	"	PUNCT
inlawrev-3950	96	12	mba	mba	NOUN
inlawrev-3950	96	13	"	"	PUNCT
inlawrev-3950	96	14	)	)	PUNCT
inlawrev-3950	96	15	,	,	PUNCT
inlawrev-3950	96	16	approximately	approximately	ADV
inlawrev-3950	96	17	343,000	343,000	NUM
inlawrev-3950	96	18	entered	enter	VERB
inlawrev-3950	96	19	foreclosure	foreclosure	NOUN
inlawrev-3950	96	20	during	during	ADP
inlawrev-3950	96	21	the	the	DET
inlawrev-3950	96	22	third	third	ADJ
inlawrev-3950	96	23	quarter	quarter	NOUN
inlawrev-3950	96	24	of	of	ADP
inlawrev-3950	96	25	2007	2007	NUM
inlawrev-3950	96	26	.	.	PUNCT
inlawrev-3950	97	1	bait	bait	NOUN
inlawrev-3950	97	2	.	.	PUNCT
inlawrev-3950	98	1	complaint	complaint	NOUN
inlawrev-3950	98	2	,	,	PUNCT
inlawrev-3950	98	3	supra	supra	PROPN
inlawrev-3950	98	4	note	note	PROPN
inlawrev-3950	98	5	10	10	NUM
inlawrev-3950	98	6	,	,	PUNCT
inlawrev-3950	98	7	|	|	ADV
inlawrev-3950	98	8	15	15	NUM
inlawrev-3950	98	9	;	;	PUNCT
inlawrev-3950	98	10	see	see	VERB
inlawrev-3950	98	11	mortgage	mortgage	NOUN
inlawrev-3950	98	12	bankers	banker	NOUN
inlawrev-3950	98	13	ass'n	ass'n	PROPN
inlawrev-3950	98	14	,	,	PUNCT
inlawrev-3950	98	15	national	national	ADJ
inlawrev-3950	98	16	delinquency	delinquency	NOUN
inlawrev-3950	98	17	study	study	NOUN
inlawrev-3950	98	18	,	,	PUNCT
inlawrev-3950	98	19	http://www.mortgagebankers.org/researchandforecasts/productsandsurveys/nationaldelinque	http://www.mortgagebankers.org/researchandforecasts/productsandsurveys/nationaldelinque	ADJ
inlawrev-3950	98	20	ncysurvey.htm	ncysurvey.htm	X
inlawrev-3950	98	21	(	(	PUNCT
inlawrev-3950	98	22	listing	list	VERB
inlawrev-3950	98	23	mba	mba	NOUN
inlawrev-3950	98	24	sample	sample	NOUN
inlawrev-3950	98	25	as	as	ADP
inlawrev-3950	98	26	forty	forty	NUM
inlawrev-3950	98	27	-	-	PUNCT
inlawrev-3950	98	28	four	four	NUM
inlawrev-3950	98	29	million	million	NUM
inlawrev-3950	98	30	)	)	PUNCT
inlawrev-3950	98	31	(	(	PUNCT
inlawrev-3950	98	32	last	last	ADJ
inlawrev-3950	98	33	visited	visit	VERB
inlawrev-3950	98	34	apr	apr	NOUN
inlawrev-3950	98	35	.	.	PROPN
inlawrev-3950	98	36	12	12	NUM
inlawrev-3950	98	37	,	,	PUNCT
inlawrev-3950	98	38	2008	2008	NUM
inlawrev-3950	98	39	)	)	PUNCT
inlawrev-3950	98	40	;	;	PUNCT
inlawrev-3950	98	41	press	press	NOUN
inlawrev-3950	98	42	release	release	NOUN
inlawrev-3950	98	43	,	,	PUNCT
inlawrev-3950	98	44	mortgage	mortgage	NOUN
inlawrev-3950	98	45	bankers	banker	NOUN
inlawrev-3950	98	46	ass'n	ass'n	PROPN
inlawrev-3950	98	47	,	,	PUNCT
inlawrev-3950	98	48	delinquencies	delinquency	NOUN
inlawrev-3950	98	49	and	and	CCONJ
inlawrev-3950	98	50	foreclosures	foreclosure	NOUN
inlawrev-3950	98	51	increase	increase	VERB
inlawrev-3950	98	52	in	in	ADP
inlawrev-3950	98	53	latest	late	ADJ
inlawrev-3950	98	54	mba	mba	PROPN
inlawrev-3950	98	55	national	national	PROPN
inlawrev-3950	98	56	delinquency	delinquency	PROPN
inlawrev-3950	98	57	survey	survey	PROPN
inlawrev-3950	98	58	(	(	PUNCT
inlawrev-3950	98	59	dec	dec	PROPN
inlawrev-3950	98	60	.	.	PROPN
inlawrev-3950	98	61	6	6	NUM
inlawrev-3950	98	62	,	,	PUNCT
inlawrev-3950	98	63	2007	2007	NUM
inlawrev-3950	98	64	)	)	PUNCT
inlawrev-3950	98	65	,	,	PUNCT
inlawrev-3950	98	66	http://www.mortgagebankers.org/newsandmedia/	http://www.mortgagebankers.org/newsandmedia/	PUNCT
inlawrev-3950	98	67	presscenter/58758.htm	presscenter/58758.htm	PROPN
inlawrev-3950	98	68	(	(	PUNCT
inlawrev-3950	98	69	discussing	discuss	VERB
inlawrev-3950	98	70	mba	mba	NOUN
inlawrev-3950	98	71	survey	survey	NOUN
inlawrev-3950	98	72	that	that	PRON
inlawrev-3950	98	73	found	find	VERB
inlawrev-3950	98	74	0.78	0.78	NUM
inlawrev-3950	98	75	%	%	NOUN
inlawrev-3950	98	76	of	of	ADP
inlawrev-3950	98	77	loans	loan	NOUN
inlawrev-3950	98	78	entered	enter	VERB
inlawrev-3950	98	79	foreclosure	foreclosure	NOUN
inlawrev-3950	98	80	in	in	ADP
inlawrev-3950	98	81	third	third	ADJ
inlawrev-3950	98	82	quarter	quarter	NOUN
inlawrev-3950	98	83	)	)	PUNCT
inlawrev-3950	98	84	.	.	PUNCT
inlawrev-3950	99	1	this	this	PRON
inlawrev-3950	99	2	is	be	AUX
inlawrev-3950	99	3	the	the	DET
inlawrev-3950	99	4	highest	high	ADJ
inlawrev-3950	99	5	rate	rate	NOUN
inlawrev-3950	99	6	of	of	ADP
inlawrev-3950	99	7	foreclosures	foreclosure	NOUN
inlawrev-3950	99	8	in	in	ADP
inlawrev-3950	99	9	more	more	ADJ
inlawrev-3950	99	10	than	than	ADP
inlawrev-3950	99	11	thirty	thirty	NUM
inlawrev-3950	99	12	-	-	PUNCT
inlawrev-3950	99	13	five	five	NUM
inlawrev-3950	99	14	years	year	NOUN
inlawrev-3950	99	15	.	.	PUNCT
inlawrev-3950	100	1	compare	compare	VERB
inlawrev-3950	100	2	david	david	PROPN
inlawrev-3950	100	3	s.	s.	PROPN
inlawrev-3950	100	4	hilzenrath	hilzenrath	PROPN
inlawrev-3950	100	5	&	&	CCONJ
inlawrev-3950	100	6	dinaelboghdady	dinaelboghdady	PROPN
inlawrev-3950	100	7	,	,	PUNCT
inlawrev-3950	100	8	quarterly	quarterly	ADJ
inlawrev-3950	100	9	foreclosure	foreclosure	NOUN
inlawrev-3950	100	10	rateagain	rateagain	NOUN
inlawrev-3950	100	11	sets	set	NOUN
inlawrev-3950	100	12	record	record	NOUN
inlawrev-3950	100	13	—	—	PUNCT
inlawrev-3950	100	14	defaults	default	NOUN
inlawrev-3950	100	15	may	may	AUX
inlawrev-3950	100	16	hurt	hurt	VERB
inlawrev-3950	100	17	home	home	NOUN
inlawrev-3950	100	18	prices	price	NOUN
inlawrev-3950	100	19	,	,	PUNCT
inlawrev-3950	100	20	overall	overall	ADJ
inlawrev-3950	100	21	economy	economy	NOUN
inlawrev-3950	100	22	,	,	PUNCT
inlawrev-3950	100	23	wash	wash	NOUN
inlawrev-3950	100	24	.	.	PUNCT
inlawrev-3950	101	1	post	post	NOUN
inlawrev-3950	101	2	,	,	PUNCT
inlawrev-3950	101	3	sept	sept	PROPN
inlawrev-3950	101	4	.	.	PROPN
inlawrev-3950	101	5	7	7	NUM
inlawrev-3950	101	6	,	,	PUNCT
inlawrev-3950	101	7	2007	2007	NUM
inlawrev-3950	101	8	,	,	PUNCT
inlawrev-3950	101	9	at	at	ADP
inlawrev-3950	101	10	dl	dl	PROPN
inlawrev-3950	101	11	(	(	PUNCT
inlawrev-3950	101	12	stating	state	VERB
inlawrev-3950	101	13	that	that	DET
inlawrev-3950	101	14	second	second	ADJ
inlawrev-3950	101	15	quarter	quarter	NOUN
inlawrev-3950	101	16	rate	rate	NOUN
inlawrev-3950	101	17	of	of	ADP
inlawrev-3950	101	18	0.65	0.65	NUM
inlawrev-3950	101	19	%	%	NOUN
inlawrev-3950	101	20	was	be	AUX
inlawrev-3950	101	21	highest	high	ADJ
inlawrev-3950	101	22	since	since	SCONJ
inlawrev-3950	101	23	mba	mba	NOUN
inlawrev-3950	101	24	began	begin	VERB
inlawrev-3950	101	25	survey	survey	NOUN
inlawrev-3950	101	26	in	in	ADP
inlawrev-3950	101	27	1972	1972	NUM
inlawrev-3950	101	28	)	)	PUNCT
inlawrev-3950	101	29	.	.	PUNCT
inlawrev-3950	102	1	overall	overall	ADJ
inlawrev-3950	102	2	,	,	PUNCT
inlawrev-3950	102	3	over	over	ADP
inlawrev-3950	102	4	740,000	740,000	NUM
inlawrev-3950	102	5	properties	property	NOUN
inlawrev-3950	102	6	tracked	track	VERB
inlawrev-3950	102	7	by	by	ADP
inlawrev-3950	102	8	the	the	DET
inlawrev-3950	102	9	mba	mba	NOUN
inlawrev-3950	102	10	were	be	AUX
inlawrev-3950	102	11	in	in	ADP
inlawrev-3950	102	12	some	some	DET
inlawrev-3950	102	13	stage	stage	NOUN
inlawrev-3950	102	14	of	of	ADP
inlawrev-3950	102	15	foreclosure	foreclosure	NOUN
inlawrev-3950	102	16	during	during	ADP
inlawrev-3950	102	17	the	the	DET
inlawrev-3950	102	18	third	third	ADJ
inlawrev-3950	102	19	quarter	quarter	NOUN
inlawrev-3950	102	20	of	of	ADP
inlawrev-3950	102	21	2007	2007	NUM
inlawrev-3950	102	22	,	,	PUNCT
inlawrev-3950	102	23	up	up	ADV
inlawrev-3950	102	24	21	21	NUM
inlawrev-3950	102	25	%	%	NOUN
inlawrev-3950	102	26	from	from	ADP
inlawrev-3950	102	27	the	the	DET
inlawrev-3950	102	28	second	second	ADJ
inlawrev-3950	102	29	quarter	quarter	NOUN
inlawrev-3950	102	30	.	.	PUNCT
inlawrev-3950	103	1	press	press	NOUN
inlawrev-3950	103	2	release	release	NOUN
inlawrev-3950	103	3	,	,	PUNCT
inlawrev-3950	103	4	supra	supra	NOUN
inlawrev-3950	103	5	(	(	PUNCT
inlawrev-3950	103	6	discussing	discuss	VERB
inlawrev-3950	103	7	mba	mba	NOUN
inlawrev-3950	103	8	survey	survey	NOUN
inlawrev-3950	103	9	that	that	PRON
inlawrev-3950	103	10	found	find	VERB
inlawrev-3950	103	11	1.69	1.69	NUM
inlawrev-3950	103	12	%	%	NOUN
inlawrev-3950	103	13	of	of	ADP
inlawrev-3950	103	14	loans	loan	NOUN
inlawrev-3950	103	15	in	in	ADP
inlawrev-3950	103	16	the	the	DET
inlawrev-3950	103	17	foreclosure	foreclosure	NOUN
inlawrev-3950	103	18	process	process	NOUN
inlawrev-3950	103	19	,	,	PUNCT
inlawrev-3950	103	20	up	up	ADV
inlawrev-3950	103	21	29	29	NUM
inlawrev-3950	103	22	basis	basis	NOUN
inlawrev-3950	103	23	points	point	NOUN
inlawrev-3950	103	24	)	)	PUNCT
inlawrev-3950	103	25	.	.	PUNCT
inlawrev-3950	104	1	22	22	NUM
inlawrev-3950	104	2	.	.	PUNCT
inlawrev-3950	105	1	dan	dan	PROPN
inlawrev-3950	105	2	immergluck	immergluck	PROPN
inlawrev-3950	105	3	&	&	CCONJ
inlawrev-3950	105	4	geoff	geoff	PROPN
inlawrev-3950	105	5	smith	smith	PROPN
inlawrev-3950	105	6	,	,	PUNCT
inlawrev-3950	105	7	the	the	DET
inlawrev-3950	105	8	external	external	ADJ
inlawrev-3950	105	9	costs	cost	NOUN
inlawrev-3950	105	10	of	of	ADP
inlawrev-3950	105	11	foreclosure	foreclosure	NOUN
inlawrev-3950	105	12	:	:	PUNCT
inlawrev-3950	105	13	the	the	DET
inlawrev-3950	105	14	impact	impact	NOUN
inlawrev-3950	105	15	of	of	ADP
inlawrev-3950	105	16	single	single	ADJ
inlawrev-3950	105	17	-	-	PUNCT
inlawrev-3950	105	18	family	family	NOUN
inlawrev-3950	105	19	mortgage	mortgage	NOUN
inlawrev-3950	105	20	foreclosures	foreclosure	NOUN
inlawrev-3950	105	21	on	on	ADP
inlawrev-3950	105	22	property	property	NOUN
inlawrev-3950	105	23	values	value	NOUN
inlawrev-3950	105	24	,	,	PUNCT
inlawrev-3950	105	25	17	17	NUM
inlawrev-3950	105	26	housing	housing	NOUN
inlawrev-3950	105	27	pol'y	pol'y	NOUN
inlawrev-3950	105	28	debate	debate	VERB
inlawrev-3950	105	29	57	57	NUM
inlawrev-3950	105	30	,	,	PUNCT
inlawrev-3950	105	31	57	57	NUM
inlawrev-3950	105	32	(	(	PUNCT
inlawrev-3950	105	33	2006	2006	NUM
inlawrev-3950	105	34	)	)	PUNCT
inlawrev-3950	105	35	.	.	PUNCT
inlawrev-3950	106	1	23	23	NUM
inlawrev-3950	106	2	.	.	X
inlawrev-3950	107	1	see	see	VERB
inlawrev-3950	107	2	joe	joe	PROPN
inlawrev-3950	107	3	milicia	milicia	PROPN
inlawrev-3950	107	4	,	,	PUNCT
inlawrev-3950	107	5	cities	city	NOUN
inlawrev-3950	107	6	fight	fight	VERB
inlawrev-3950	107	7	glut	glut	NOUN
inlawrev-3950	107	8	of	of	ADP
inlawrev-3950	107	9	vacant	vacant	ADJ
inlawrev-3950	107	10	houses	house	NOUN
inlawrev-3950	107	11	:	:	PUNCT
inlawrev-3950	107	12	baltimore	baltimore	NOUN
inlawrev-3950	107	13	among	among	ADP
inlawrev-3950	107	14	cities	city	NOUN
inlawrev-3950	107	15	losing	lose	VERB
inlawrev-3950	107	16	millions	million	NOUN
inlawrev-3950	107	17	in	in	ADP
inlawrev-3950	107	18	taxes	taxis	NOUN
inlawrev-3950	107	19	on	on	ADP
inlawrev-3950	107	20	abandoned	abandon	VERB
inlawrev-3950	107	21	homes	home	NOUN
inlawrev-3950	107	22	,	,	PUNCT
inlawrev-3950	107	23	balt	balt	NOUN
inlawrev-3950	107	24	.	.	PUNCT
inlawrev-3950	108	1	sun	sun	PROPN
inlawrev-3950	108	2	,	,	PUNCT
inlawrev-3950	108	3	feb	feb	PROPN
inlawrev-3950	108	4	.	.	PROPN
inlawrev-3950	108	5	11	11	NUM
inlawrev-3950	108	6	,	,	PUNCT
inlawrev-3950	108	7	2008	2008	NUM
inlawrev-3950	108	8	,	,	PUNCT
inlawrev-3950	108	9	http://www.baltimore	http://www.baltimore	PROPN
inlawrev-3950	108	10	sun.com/business/realestate^al-foreclosure021	sun.com/business/realestate^al-foreclosure021	NOUN
inlawrev-3950	109	1	1,0,5826	1,0,5826	PROPN
inlawrev-3950	109	2	159.story	159.story	NUM
inlawrev-3950	109	3	(	(	PUNCT
inlawrev-3950	109	4	16,000	16,000	NUM
inlawrev-3950	109	5	)	)	PUNCT
inlawrev-3950	109	6	;	;	PUNCT
inlawrev-3950	110	1	editorial	editorial	NOUN
inlawrev-3950	110	2	,	,	PUNCT
inlawrev-3950	110	3	taking	take	VERB
inlawrev-3950	110	4	itto	itto	NOUN
inlawrev-3950	110	5	the	the	DET
inlawrev-3950	110	6	bank	bank	NOUN
inlawrev-3950	110	7	,	,	PUNCT
inlawrev-3950	110	8	balt	balt	NOUN
inlawrev-3950	110	9	.	.	PUNCT
inlawrev-3950	111	1	sun	sun	PROPN
inlawrev-3950	111	2	,	,	PUNCT
inlawrev-3950	111	3	oct	oct	PROPN
inlawrev-3950	111	4	.	.	PROPN
inlawrev-3950	111	5	14	14	NUM
inlawrev-3950	111	6	,	,	PUNCT
inlawrev-3950	111	7	2007	2007	NUM
inlawrev-3950	111	8	,	,	PUNCT
inlawrev-3950	111	9	at	at	ADP
inlawrev-3950	111	10	16a	16a	NOUN
inlawrev-3950	111	11	(	(	PUNCT
inlawrev-3950	111	12	30,000	30,000	NUM
inlawrev-3950	111	13	)	)	PUNCT
inlawrev-3950	111	14	.	.	PUNCT
inlawrev-3950	112	1	estimates	estimate	NOUN
inlawrev-3950	112	2	of	of	ADP
inlawrev-3950	112	3	abandoned	abandon	VERB
inlawrev-3950	112	4	and	and	CCONJ
inlawrev-3950	112	5	vacant	vacant	ADJ
inlawrev-3950	112	6	housing	housing	NOUN
inlawrev-3950	112	7	in	in	ADP
inlawrev-3950	112	8	other	other	ADJ
inlawrev-3950	112	9	cities	city	NOUN
inlawrev-3950	112	10	are	be	AUX
inlawrev-3950	112	11	likely	likely	ADJ
inlawrev-3950	112	12	even	even	ADV
inlawrev-3950	112	13	higher	high	ADJ
inlawrev-3950	112	14	.	.	PUNCT
inlawrev-3950	113	1	in	in	ADP
inlawrev-3950	113	2	cleveland	cleveland	PROPN
inlawrev-3950	113	3	,	,	PUNCT
inlawrev-3950	113	4	for	for	ADP
inlawrev-3950	113	5	example	example	NOUN
inlawrev-3950	113	6	,	,	PUNCT
inlawrev-3950	113	7	the	the	DET
inlawrev-3950	113	8	rate	rate	NOUN
inlawrev-3950	113	9	of	of	ADP
inlawrev-3950	113	10	foreclosures	foreclosure	NOUN
inlawrev-3950	113	11	for	for	ADP
inlawrev-3950	113	12	2007	2007	NUM
inlawrev-3950	113	13	has	have	AUX
inlawrev-3950	113	14	been	be	AUX
inlawrev-3950	113	15	estimated	estimate	VERB
inlawrev-3950	113	16	at	at	ADP
inlawrev-3950	113	17	twenty	twenty	NUM
inlawrev-3950	113	18	per	per	ADP
inlawrev-3950	113	19	day	day	NOUN
inlawrev-3950	113	20	.	.	PUNCT
inlawrev-3950	114	1	cleveland	cleveland	PROPN
inlawrev-3950	114	2	complaint	complaint	PROPN
inlawrev-3950	114	3	,	,	PUNCT
inlawrev-3950	114	4	supra	supra	PROPN
inlawrev-3950	114	5	note	note	NOUN
inlawrev-3950	114	6	12	12	NUM
inlawrev-3950	114	7	,	,	PUNCT
inlawrev-3950	114	8	f	f	PROPN
inlawrev-3950	114	9	57	57	NUM
inlawrev-3950	114	10	.	.	PUNCT
inlawrev-3950	114	11	24	24	NUM
inlawrev-3950	114	12	.	.	PUNCT
inlawrev-3950	115	1	immergluck	immergluck	PROPN
inlawrev-3950	115	2	&	&	CCONJ
inlawrev-3950	115	3	smith	smith	PROPN
inlawrev-3950	115	4	,	,	PUNCT
inlawrev-3950	115	5	supra	supra	PROPN
inlawrev-3950	115	6	note	note	PROPN
inlawrev-3950	115	7	22	22	NUM
inlawrev-3950	115	8	,	,	PUNCT
inlawrev-3950	115	9	at	at	ADP
inlawrev-3950	115	10	59	59	NUM
inlawrev-3950	115	11	.	.	PUNCT
inlawrev-3950	115	12	25	25	NUM
inlawrev-3950	115	13	.	.	PUNCT
inlawrev-3950	116	1	see	see	VERB
inlawrev-3950	116	2	infra	infra	NOUN
inlawrev-3950	116	3	note	note	VERB
inlawrev-3950	116	4	110	110	NUM
inlawrev-3950	116	5	and	and	CCONJ
inlawrev-3950	116	6	accompanying	accompany	VERB
inlawrev-3950	116	7	text	text	NOUN
inlawrev-3950	116	8	.	.	PUNCT
inlawrev-3950	117	1	26	26	NUM
inlawrev-3950	117	2	.	.	PUNCT
inlawrev-3950	117	3	see	see	VERB
inlawrev-3950	117	4	the	the	DET
inlawrev-3950	117	5	subprime	subprime	ADJ
inlawrev-3950	117	6	lending	lending	NOUN
inlawrev-3950	117	7	crisis	crisis	NOUN
inlawrev-3950	117	8	,	,	PUNCT
inlawrev-3950	117	9	supra	supra	PROPN
inlawrev-3950	117	10	note	note	NOUN
inlawrev-3950	117	11	2	2	NUM
inlawrev-3950	117	12	1	1	NUM
inlawrev-3950	117	13	,	,	PUNCT
inlawrev-3950	117	14	at	at	ADP
inlawrev-3950	117	15	1	1	NUM
inlawrev-3950	117	16	6	6	NUM
inlawrev-3950	117	17	.	.	PUNCT
inlawrev-3950	117	18	27	27	NUM
inlawrev-3950	117	19	.	.	PUNCT
inlawrev-3950	118	1	see	see	VERB
inlawrev-3950	118	2	ellen	ellen	PROPN
inlawrev-3950	118	3	schloemer	schloemer	PROPN
inlawrev-3950	118	4	et	et	PROPN
inlawrev-3950	118	5	al	al	PROPN
inlawrev-3950	118	6	.	.	PROPN
inlawrev-3950	118	7	,	,	PUNCT
inlawrev-3950	118	8	ctr	ctr	PROPN
inlawrev-3950	118	9	.	.	PUNCT
inlawrev-3950	119	1	for	for	ADP
inlawrev-3950	119	2	responsible	responsible	ADJ
inlawrev-3950	119	3	lending	lending	NOUN
inlawrev-3950	119	4	,	,	PUNCT
inlawrev-3950	119	5	losing	lose	VERB
inlawrev-3950	119	6	ground	ground	NOUN
inlawrev-3950	119	7	:	:	PUNCT
inlawrev-3950	119	8	634	634	NUM
inlawrev-3950	119	9	csfdiana	csfdiana	ADJ
inlawrev-3950	119	10	law	law	NOUN
inlawrev-3950	119	11	review	review	NOUN
inlawrev-3950	119	12	[	[	X
inlawrev-3950	119	13	vol	vol	NOUN
inlawrev-3950	119	14	.	.	NOUN
inlawrev-3950	119	15	4	4	NUM
inlawrev-3950	119	16	1	1	NUM
inlawrev-3950	119	17	:	:	SYM
inlawrev-3950	119	18	629	629	NUM
inlawrev-3950	119	19	additional	additional	ADJ
inlawrev-3950	119	20	police	police	NOUN
inlawrev-3950	119	21	and	and	CCONJ
inlawrev-3950	119	22	fire	fire	NOUN
inlawrev-3950	119	23	protection	protection	NOUN
inlawrev-3950	119	24	as	as	ADP
inlawrev-3950	119	25	vacant	vacant	ADJ
inlawrev-3950	119	26	properties	property	NOUN
inlawrev-3950	119	27	become	become	VERB
inlawrev-3950	119	28	centers	center	NOUN
inlawrev-3950	119	29	of	of	ADP
inlawrev-3950	119	30	dangerous	dangerous	ADJ
inlawrev-3950	119	31	and	and	CCONJ
inlawrev-3950	119	32	illicit	illicit	ADJ
inlawrev-3950	119	33	activities.^^	activities.^^	PUNCT
inlawrev-3950	120	1	b.	b.	PROPN
inlawrev-3950	121	1	the	the	DET
inlawrev-3950	121	2	role	role	NOUN
inlawrev-3950	121	3	ofsubprime	ofsubprime	NOUN
inlawrev-3950	121	4	lending	lend	VERB
inlawrev-3950	121	5	the	the	DET
inlawrev-3950	121	6	growing	grow	VERB
inlawrev-3950	121	7	crisis	crisis	NOUN
inlawrev-3950	121	8	of	of	ADP
inlawrev-3950	121	9	foreclosures	foreclosure	NOUN
inlawrev-3950	121	10	in	in	ADP
inlawrev-3950	121	11	baltimore	baltimore	PROPN
inlawrev-3950	121	12	and	and	CCONJ
inlawrev-3950	121	13	across	across	ADP
inlawrev-3950	121	14	the	the	DET
inlawrev-3950	121	15	nation	nation	NOUN
inlawrev-3950	121	16	is	be	AUX
inlawrev-3950	121	17	due	due	ADJ
inlawrev-3950	121	18	in	in	ADP
inlawrev-3950	121	19	large	large	ADJ
inlawrev-3950	121	20	part	part	NOUN
inlawrev-3950	121	21	to	to	ADP
inlawrev-3950	121	22	the	the	DET
inlawrev-3950	121	23	rapid	rapid	ADJ
inlawrev-3950	121	24	expansion	expansion	NOUN
inlawrev-3950	121	25	of	of	ADP
inlawrev-3950	121	26	subprime	subprime	ADJ
inlawrev-3950	121	27	lending	lending	NOUN
inlawrev-3950	121	28	.	.	PUNCT
inlawrev-3950	122	1	subprime	subprime	ADJ
inlawrev-3950	122	2	lending	lending	NOUN
inlawrev-3950	122	3	developed	develop	VERB
inlawrev-3950	122	4	in	in	ADP
inlawrev-3950	122	5	the	the	DET
inlawrev-3950	122	6	mid-1990s	mid-1990	NOUN
inlawrev-3950	122	7	as	as	ADP
inlawrev-3950	122	8	a	a	DET
inlawrev-3950	122	9	result	result	NOUN
inlawrev-3950	122	10	of	of	ADP
inlawrev-3950	122	11	innovations	innovation	NOUN
inlawrev-3950	122	12	in	in	ADP
inlawrev-3950	122	13	risk	risk	NOUN
inlawrev-3950	122	14	-	-	PUNCT
inlawrev-3950	122	15	based	base	VERB
inlawrev-3950	122	16	pricing	pricing	NOUN
inlawrev-3950	122	17	and	and	CCONJ
inlawrev-3950	122	18	in	in	ADP
inlawrev-3950	122	19	response	response	NOUN
inlawrev-3950	122	20	to	to	ADP
inlawrev-3950	122	21	the	the	DET
inlawrev-3950	122	22	demand	demand	NOUN
inlawrev-3950	122	23	for	for	ADP
inlawrev-3950	122	24	credit	credit	NOUN
inlawrev-3950	122	25	by	by	ADP
inlawrev-3950	122	26	borrowers	borrower	NOUN
inlawrev-3950	122	27	who	who	PRON
inlawrev-3950	122	28	were	be	AUX
inlawrev-3950	122	29	denied	deny	VERB
inlawrev-3950	122	30	prime	prime	ADJ
inlawrev-3950	122	31	credit	credit	NOUN
inlawrev-3950	122	32	by	by	ADP
inlawrev-3950	122	33	traditional	traditional	ADJ
inlawrev-3950	122	34	lenders	lender	NOUN
inlawrev-3950	122	35	.	.	PUNCT
inlawrev-3950	122	36	^^	^^	PUNCT
inlawrev-3950	122	37	prior	prior	ADV
inlawrev-3950	122	38	to	to	ADP
inlawrev-3950	122	39	the	the	DET
inlawrev-3950	122	40	emergence	emergence	NOUN
inlawrev-3950	122	41	of	of	ADP
inlawrev-3950	122	42	subprime	subprime	ADJ
inlawrev-3950	122	43	lending	lending	NOUN
inlawrev-3950	122	44	,	,	PUNCT
inlawrev-3950	122	45	most	most	ADJ
inlawrev-3950	122	46	mortgage	mortgage	NOUN
inlawrev-3950	122	47	lenders	lender	NOUN
inlawrev-3950	122	48	made	make	VERB
inlawrev-3950	122	49	only	only	ADV
inlawrev-3950	122	50	"	"	PUNCT
inlawrev-3950	122	51	prime	prime	ADJ
inlawrev-3950	122	52	"	"	PUNCT
inlawrev-3950	122	53	loans	loan	NOUN
inlawrev-3950	122	54	.	.	PUNCT
inlawrev-3950	122	55	^^	^^	PUNCT
inlawrev-3950	122	56	prime	prime	ADJ
inlawrev-3950	122	57	lending	lending	NOUN
inlawrev-3950	122	58	offered	offer	VERB
inlawrev-3950	122	59	uniformly	uniformly	ADV
inlawrev-3950	122	60	priced	price	VERB
inlawrev-3950	122	61	loans	loan	NOUN
inlawrev-3950	122	62	to	to	ADP
inlawrev-3950	122	63	borrowers	borrower	NOUN
inlawrev-3950	122	64	with	with	ADP
inlawrev-3950	122	65	good	good	ADJ
inlawrev-3950	122	66	credit.^	credit.^	NOUN
inlawrev-3950	122	67	^	^	PUNCT
inlawrev-3950	122	68	individuals	individual	NOUN
inlawrev-3950	122	69	with	with	ADP
inlawrev-3950	122	70	"	"	PUNCT
inlawrev-3950	122	71	blemished	blemished	ADJ
inlawrev-3950	122	72	credit	credit	NOUN
inlawrev-3950	122	73	"	"	PUNCT
inlawrev-3950	122	74	were	be	AUX
inlawrev-3950	122	75	not	not	PART
inlawrev-3950	122	76	eligible	eligible	ADJ
inlawrev-3950	122	77	for	for	ADP
inlawrev-3950	122	78	prime	prime	ADJ
inlawrev-3950	122	79	loans	loan	NOUN
inlawrev-3950	122	80	.	.	PUNCT
inlawrev-3950	122	81	^^	^^	PUNCT
inlawrev-3950	122	82	although	although	SCONJ
inlawrev-3950	122	83	borrowers	borrower	NOUN
inlawrev-3950	122	84	with	with	ADP
inlawrev-3950	122	85	blemished	blemished	ADJ
inlawrev-3950	122	86	credit	credit	NOUN
inlawrev-3950	122	87	might	might	AUX
inlawrev-3950	122	88	still	still	ADV
inlawrev-3950	122	89	represent	represent	VERB
inlawrev-3950	122	90	a	a	DET
inlawrev-3950	122	91	good	good	ADJ
inlawrev-3950	122	92	mortgage	mortgage	NOUN
inlawrev-3950	122	93	risk	risk	NOUN
inlawrev-3950	122	94	at	at	ADP
inlawrev-3950	122	95	the	the	DET
inlawrev-3950	122	96	right	right	ADJ
inlawrev-3950	122	97	price	price	NOUN
inlawrev-3950	122	98	,	,	PUNCT
inlawrev-3950	122	99	prime	prime	ADJ
inlawrev-3950	122	100	lending	lending	NOUN
inlawrev-3950	122	101	did	do	AUX
inlawrev-3950	122	102	not	not	PART
inlawrev-3950	122	103	provide	provide	VERB
inlawrev-3950	122	104	the	the	DET
inlawrev-3950	122	105	necessary	necessary	ADJ
inlawrev-3950	122	106	flexibility	flexibility	NOUN
inlawrev-3950	122	107	in	in	ADP
inlawrev-3950	122	108	price	price	NOUN
inlawrev-3950	122	109	or	or	CCONJ
inlawrev-3950	122	110	loan	loan	NOUN
inlawrev-3950	122	111	terms	term	NOUN
inlawrev-3950	122	112	to	to	PART
inlawrev-3950	122	113	serve	serve	VERB
inlawrev-3950	122	114	these	these	DET
inlawrev-3950	122	115	borrowers	borrower	NOUN
inlawrev-3950	122	116	.	.	PUNCT
inlawrev-3950	122	117	^^	^^	PUNCT
inlawrev-3950	122	118	in	in	ADP
inlawrev-3950	122	119	the	the	DET
inlawrev-3950	122	120	early	early	ADJ
inlawrev-3950	122	121	1990s	1990	NOUN
inlawrev-3950	122	122	,	,	PUNCT
inlawrev-3950	122	123	technological	technological	ADJ
inlawrev-3950	122	124	advances	advance	NOUN
inlawrev-3950	122	125	in	in	ADP
inlawrev-3950	122	126	automated	automate	VERB
inlawrev-3950	122	127	underwriting	underwriting	NOUN
inlawrev-3950	122	128	allowed	allow	VERB
inlawrev-3950	122	129	lenders	lender	NOUN
inlawrev-3950	122	130	to	to	PART
inlawrev-3950	122	131	predict	predict	VERB
inlawrev-3950	122	132	with	with	ADP
inlawrev-3950	122	133	improved	improved	ADJ
inlawrev-3950	122	134	accuracy	accuracy	NOUN
inlawrev-3950	122	135	the	the	DET
inlawrev-3950	122	136	likelihood	likelihood	NOUN
inlawrev-3950	122	137	that	that	SCONJ
inlawrev-3950	122	138	a	a	DET
inlawrev-3950	122	139	borrower	borrower	NOUN
inlawrev-3950	122	140	with	with	ADP
inlawrev-3950	122	141	blemished	blemished	ADJ
inlawrev-3950	122	142	credit	credit	NOUN
inlawrev-3950	122	143	will	will	AUX
inlawrev-3950	122	144	successfully	successfully	ADV
inlawrev-3950	122	145	repay	repay	VERB
inlawrev-3950	122	146	a	a	DET
inlawrev-3950	122	147	loan.^'^	loan.^'^	NOUN
inlawrev-3950	122	148	this	this	PRON
inlawrev-3950	122	149	gave	give	VERB
inlawrev-3950	122	150	lenders	lender	NOUN
inlawrev-3950	122	151	the	the	DET
inlawrev-3950	122	152	ability	ability	NOUN
inlawrev-3950	122	153	to	to	PART
inlawrev-3950	122	154	adjust	adjust	VERB
inlawrev-3950	122	155	the	the	DET
inlawrev-3950	122	156	price	price	NOUN
inlawrev-3950	122	157	of	of	ADP
inlawrev-3950	122	158	loans	loan	NOUN
inlawrev-3950	122	159	to	to	PART
inlawrev-3950	122	160	match	match	VERB
inlawrev-3950	122	161	the	the	DET
inlawrev-3950	122	162	different	different	ADJ
inlawrev-3950	122	163	risks	risk	NOUN
inlawrev-3950	122	164	presented	present	VERB
inlawrev-3950	122	165	by	by	ADP
inlawrev-3950	122	166	borrowers	borrower	NOUN
inlawrev-3950	122	167	whose	whose	DET
inlawrev-3950	122	168	credit	credit	NOUN
inlawrev-3950	122	169	records	record	NOUN
inlawrev-3950	122	170	did	do	AUX
inlawrev-3950	122	171	not	not	PART
inlawrev-3950	122	172	meet	meet	VERB
inlawrev-3950	122	173	prime	prime	ADJ
inlawrev-3950	122	174	standards.^^	standards.^^	PUNCT
inlawrev-3950	123	1	lenders	lender	NOUN
inlawrev-3950	123	2	found	find	VERB
inlawrev-3950	123	3	that	that	SCONJ
inlawrev-3950	123	4	they	they	PRON
inlawrev-3950	123	5	could	could	AUX
inlawrev-3950	123	6	now	now	ADV
inlawrev-3950	123	7	accurately	accurately	ADV
inlawrev-3950	123	8	price	price	VERB
inlawrev-3950	123	9	loans	loan	NOUN
inlawrev-3950	123	10	to	to	PART
inlawrev-3950	123	11	reflect	reflect	VERB
inlawrev-3950	123	12	the	the	DET
inlawrev-3950	123	13	risks	risk	NOUN
inlawrev-3950	123	14	presented	present	VERB
inlawrev-3950	123	15	by	by	ADP
inlawrev-3950	123	16	a	a	DET
inlawrev-3950	123	17	particular	particular	ADJ
inlawrev-3950	123	18	borrower.^^	borrower.^^	NOUN
inlawrev-3950	123	19	when	when	SCONJ
inlawrev-3950	123	20	done	do	VERB
inlawrev-3950	123	21	responsibly	responsibly	ADV
inlawrev-3950	123	22	,	,	PUNCT
inlawrev-3950	123	23	this	this	PRON
inlawrev-3950	123	24	made	make	VERB
inlawrev-3950	123	25	credit	credit	NOUN
inlawrev-3950	123	26	available	available	ADJ
inlawrev-3950	123	27	much	much	ADV
inlawrev-3950	123	28	more	more	ADV
inlawrev-3950	123	29	broadly	broadly	ADV
inlawrev-3950	123	30	than	than	SCONJ
inlawrev-3950	123	31	had	have	AUX
inlawrev-3950	123	32	been	be	AUX
inlawrev-3950	123	33	the	the	DET
inlawrev-3950	123	34	case	case	NOUN
inlawrev-3950	123	35	with	with	ADP
inlawrev-3950	123	36	prime	prime	ADJ
inlawrev-3950	123	37	lending	lending	NOUN
inlawrev-3950	123	38	.	.	PUNCT
inlawrev-3950	124	1	as	as	SCONJ
inlawrev-3950	124	2	the	the	DET
inlawrev-3950	124	3	technology	technology	NOUN
inlawrev-3950	124	4	of	of	ADP
inlawrev-3950	124	5	risk	risk	NOUN
inlawrev-3950	124	6	-	-	PUNCT
inlawrev-3950	124	7	based	base	VERB
inlawrev-3950	124	8	pricing	pricing	NOUN
inlawrev-3950	124	9	developed	develop	VERB
inlawrev-3950	124	10	rapidly	rapidly	ADV
inlawrev-3950	124	11	in	in	ADP
inlawrev-3950	124	12	the	the	DET
inlawrev-3950	124	13	1990s	1990	NOUN
inlawrev-3950	124	14	,	,	PUNCT
inlawrev-3950	124	15	so	so	ADV
inlawrev-3950	124	16	did	do	VERB
inlawrev-3950	124	17	the	the	DET
inlawrev-3950	124	18	market	market	NOUN
inlawrev-3950	124	19	in	in	ADP
inlawrev-3950	124	20	subprime	subprime	ADJ
inlawrev-3950	124	21	mortgages	mortgage	NOUN
inlawrev-3950	124	22	.	.	PUNCT
inlawrev-3950	125	1	subprime	subprime	ADJ
inlawrev-3950	125	2	loans	loan	NOUN
inlawrev-3950	125	3	accounted	account	VERB
inlawrev-3950	125	4	for	for	ADP
inlawrev-3950	125	5	only	only	ADV
inlawrev-3950	125	6	10	10	NUM
inlawrev-3950	125	7	%	%	NOUN
inlawrev-3950	125	8	of	of	ADP
inlawrev-3950	125	9	mortgage	mortgage	NOUN
inlawrev-3950	125	10	loans	loan	NOUN
inlawrev-3950	125	11	in	in	ADP
inlawrev-3950	125	12	1998	1998	NUM
inlawrev-3950	125	13	,	,	PUNCT
inlawrev-3950	125	14	but	but	CCONJ
inlawrev-3950	125	15	within	within	ADP
inlawrev-3950	125	16	eight	eight	NUM
inlawrev-3950	125	17	years	year	NOUN
inlawrev-3950	125	18	grew	grow	VERB
inlawrev-3950	125	19	to	to	ADP
inlawrev-3950	125	20	23	23	NUM
inlawrev-3950	125	21	%	%	NOUN
inlawrev-3950	125	22	of	of	ADP
inlawrev-3950	125	23	the	the	DET
inlawrev-3950	125	24	market.^^	market.^^	X
inlawrev-3950	125	25	currently	currently	ADV
inlawrev-3950	125	26	,	,	PUNCT
inlawrev-3950	125	27	outstanding	outstanding	ADJ
inlawrev-3950	125	28	subprime	subprime	ADJ
inlawrev-3950	125	29	mortgage	mortgage	NOUN
inlawrev-3950	125	30	debt	debt	NOUN
inlawrev-3950	125	31	stands	stand	VERB
inlawrev-3950	125	32	at	at	ADP
inlawrev-3950	125	33	$	$	SYM
inlawrev-3950	125	34	1.3	1.3	NUM
inlawrev-3950	125	35	trillion	trillion	NUM
inlawrev-3950	125	36	,	,	PUNCT
inlawrev-3950	125	37	up	up	ADV
inlawrev-3950	125	38	from	from	ADP
inlawrev-3950	125	39	foreclosures	foreclosure	NOUN
inlawrev-3950	125	40	in	in	ADP
inlawrev-3950	125	41	the	the	DET
inlawrev-3950	125	42	subprime	subprime	ADJ
inlawrev-3950	125	43	market	market	NOUN
inlawrev-3950	125	44	and	and	CCONJ
inlawrev-3950	125	45	their	their	PRON
inlawrev-3950	125	46	cost	cost	NOUN
inlawrev-3950	125	47	to	to	ADP
inlawrev-3950	125	48	homeowners	homeowner	NOUN
inlawrev-3950	125	49	24	24	NUM
inlawrev-3950	125	50	(	(	PUNCT
inlawrev-3950	125	51	2006	2006	NUM
inlawrev-3950	125	52	)	)	PUNCT
inlawrev-3950	125	53	,	,	PUNCT
inlawrev-3950	125	54	http://www.responsiblelending.org/pdfs/fc-paper-121	http://www.responsiblelending.org/pdfs/fc-paper-121	PROPN
inlawrev-3950	125	55	9	9	NUM
inlawrev-3950	125	56	-	-	PUNCT
inlawrev-3950	125	57	new	new	ADJ
inlawrev-3950	125	58	-	-	PUNCT
inlawrev-3950	125	59	cover1	cover1	NOUN
inlawrev-3950	125	60	.pdf	.pdf	NOUN
inlawrev-3950	125	61	.	.	PUNCT
inlawrev-3950	126	1	28	28	NUM
inlawrev-3950	126	2	.	.	PUNCT
inlawrev-3950	127	1	see	see	VERB
inlawrev-3950	127	2	immergluck	immergluck	PROPN
inlawrev-3950	127	3	&	&	CCONJ
inlawrev-3950	127	4	smith	smith	PROPN
inlawrev-3950	127	5	,	,	PUNCT
inlawrev-3950	127	6	supra	supra	PROPN
inlawrev-3950	127	7	note	note	PROPN
inlawrev-3950	127	8	22	22	NUM
inlawrev-3950	127	9	,	,	PUNCT
inlawrev-3950	127	10	at	at	ADP
inlawrev-3950	127	11	59	59	NUM
inlawrev-3950	127	12	.	.	PUNCT
inlawrev-3950	127	13	29	29	NUM
inlawrev-3950	127	14	.	.	PUNCT
inlawrev-3950	128	1	see	see	VERB
inlawrev-3950	128	2	john	john	PROPN
inlawrev-3950	128	3	p.	p.	PROPN
inlawrev-3950	128	4	relman	relman	PROPN
inlawrev-3950	128	5	,	,	PUNCT
inlawrev-3950	128	6	taking	take	VERB
inlawrev-3950	128	7	it	it	PRON
inlawrev-3950	128	8	to	to	ADP
inlawrev-3950	128	9	the	the	DET
inlawrev-3950	128	10	courts	court	NOUN
inlawrev-3950	128	11	;	;	PUNCT
inlawrev-3950	128	12	litigation	litigation	NOUN
inlawrev-3950	128	13	and	and	CCONJ
inlawrev-3950	128	14	the	the	DET
inlawrev-3950	128	15	reform	reform	NOUN
inlawrev-3950	128	16	of	of	ADP
inlawrev-3950	128	17	financial	financial	ADJ
inlawrev-3950	128	18	institutions	institution	NOUN
inlawrev-3950	128	19	,	,	PUNCT
inlawrev-3950	128	20	in	in	ADP
inlawrev-3950	128	21	organizing	organize	VERB
inlawrev-3950	128	22	access	access	NOUN
inlawrev-3950	128	23	to	to	ADP
inlawrev-3950	128	24	capital	capital	NOUN
inlawrev-3950	128	25	:	:	PUNCT
inlawrev-3950	128	26	advocacy	advocacy	NOUN
inlawrev-3950	128	27	and	and	CCONJ
inlawrev-3950	128	28	the	the	DET
inlawrev-3950	128	29	democratization	democratization	NOUN
inlawrev-3950	128	30	of	of	ADP
inlawrev-3950	128	31	financl\l	financl\l	PROPN
inlawrev-3950	128	32	institutions	institution	NOUN
inlawrev-3950	128	33	55	55	NUM
inlawrev-3950	128	34	,	,	PUNCT
inlawrev-3950	128	35	65	65	NUM
inlawrev-3950	128	36	(	(	PUNCT
inlawrev-3950	128	37	gregory	gregory	PROPN
inlawrev-3950	128	38	d.	d.	PROPN
inlawrev-3950	128	39	squires	squires	PROPN
inlawrev-3950	128	40	ed	ed	PROPN
inlawrev-3950	128	41	.	.	PROPN
inlawrev-3950	128	42	,	,	PUNCT
inlawrev-3950	128	43	2003	2003	NUM
inlawrev-3950	128	44	)	)	PUNCT
inlawrev-3950	128	45	.	.	PUNCT
inlawrev-3950	129	1	30	30	NUM
inlawrev-3950	129	2	.	.	PUNCT
inlawrev-3950	129	3	see	see	VERB
inlawrev-3950	129	4	i	i	PRON
inlawrev-3950	129	5	d.	d.	PROPN
inlawrev-3950	129	6	3	3	NUM
inlawrev-3950	129	7	1	1	NUM
inlawrev-3950	129	8	.	.	PUNCT
inlawrev-3950	130	1	see	see	VERB
inlawrev-3950	130	2	i	i	PRON
inlawrev-3950	130	3	d.	d.	PROPN
inlawrev-3950	130	4	32	32	NUM
inlawrev-3950	130	5	.	.	PUNCT
inlawrev-3950	131	1	see	see	VERB
inlawrev-3950	131	2	i	i	PRON
inlawrev-3950	131	3	d.	d.	PROPN
inlawrev-3950	131	4	33	33	NUM
inlawrev-3950	131	5	.	.	PUNCT
inlawrev-3950	132	1	see	see	VERB
inlawrev-3950	132	2	i	i	PRON
inlawrev-3950	132	3	d.	d.	PROPN
inlawrev-3950	132	4	34	34	NUM
inlawrev-3950	132	5	.	.	PUNCT
inlawrev-3950	133	1	see	see	VERB
inlawrev-3950	133	2	william	william	PROPN
inlawrev-3950	133	3	b.	b.	PROPN
inlawrev-3950	133	4	senhauser	senhauser	PROPN
inlawrev-3950	133	5	&	&	CCONJ
inlawrev-3950	133	6	john	john	PROPN
inlawrev-3950	133	7	p.	p.	PROPN
inlawrev-3950	133	8	relman	relman	PROPN
inlawrev-3950	133	9	,	,	PUNCT
inlawrev-3950	133	10	reflections	reflection	NOUN
inlawrev-3950	133	11	on	on	ADP
inlawrev-3950	133	12	the	the	DET
inlawrev-3950	133	13	airlie	airlie	NOUN
inlawrev-3950	133	14	conference	conference	NOUN
inlawrev-3950	133	15	,	,	PUNCT
inlawrev-3950	133	16	in	in	ADP
inlawrev-3950	133	17	the	the	DET
inlawrev-3950	133	18	role	role	NOUN
inlawrev-3950	133	19	of	of	ADP
inlawrev-3950	133	20	automated	automate	VERB
inlawrev-3950	133	21	underwriting	underwriting	NOUN
inlawrev-3950	133	22	in	in	ADP
inlawrev-3950	133	23	expanding	expand	VERB
inlawrev-3950	133	24	minority	minority	NOUN
inlawrev-3950	133	25	homeownership	homeownership	NOUN
inlawrev-3950	133	26	:	:	PUNCT
inlawrev-3950	133	27	conference	conference	NOUN
inlawrev-3950	133	28	proceedings	proceeding	NOUN
inlawrev-3950	133	29	9	9	NUM
inlawrev-3950	133	30	,	,	PUNCT
inlawrev-3950	133	31	11	11	NUM
inlawrev-3950	133	32	-	-	SYM
inlawrev-3950	133	33	12	12	NUM
inlawrev-3950	133	34	,	,	PUNCT
inlawrev-3950	133	35	16	16	NUM
inlawrev-3950	133	36	(	(	PUNCT
inlawrev-3950	133	37	fannie	fannie	PROPN
inlawrev-3950	133	38	mae	mae	PROPN
inlawrev-3950	133	39	ed	ed	PROPN
inlawrev-3950	133	40	.	.	PROPN
inlawrev-3950	133	41	,	,	PUNCT
inlawrev-3950	133	42	2001	2001	NUM
inlawrev-3950	133	43	)	)	PUNCT
inlawrev-3950	133	44	.	.	PUNCT
inlawrev-3950	134	1	35	35	NUM
inlawrev-3950	134	2	.	.	NUM
inlawrev-3950	134	3	seeid.2^.\l-\%	seeid.2^.\l-\%	PROPN
inlawrev-3950	134	4	.	.	PUNCT
inlawrev-3950	135	1	36	36	NUM
inlawrev-3950	135	2	.	.	PUNCT
inlawrev-3950	136	1	i	i	PRON
inlawrev-3950	136	2	d.	d.	PROPN
inlawrev-3950	136	3	at	at	ADP
inlawrev-3950	136	4	15	15	NUM
inlawrev-3950	136	5	-	-	SYM
inlawrev-3950	136	6	18	18	NUM
inlawrev-3950	136	7	.	.	PUNCT
inlawrev-3950	136	8	37	37	NUM
inlawrev-3950	136	9	.	.	PUNCT
inlawrev-3950	137	1	see	see	VERB
inlawrev-3950	137	2	schloemer	schloemer	NOUN
inlawrev-3950	137	3	et	et	PROPN
inlawrev-3950	137	4	al	al	PROPN
inlawrev-3950	137	5	.	.	PROPN
inlawrev-3950	137	6	,	,	PUNCT
inlawrev-3950	137	7	supra	supra	PROPN
inlawrev-3950	137	8	note	note	PROPN
inlawrev-3950	137	9	27	27	NUM
inlawrev-3950	137	10	,	,	PUNCT
inlawrev-3950	137	11	at	at	ADP
inlawrev-3950	137	12	7	7	NUM
inlawrev-3950	137	13	.	.	NUM
inlawrev-3950	137	14	2008	2008	NUM
inlawrev-3950	137	15	]	]	PUNCT
inlawrev-3950	137	16	future	future	NOUN
inlawrev-3950	137	17	of	of	ADP
inlawrev-3950	137	18	the	the	DET
inlawrev-3950	137	19	fair	fair	ADJ
inlawrev-3950	137	20	housing	housing	NOUN
inlawrev-3950	137	21	act	act	NOUN
inlawrev-3950	137	22	635	635	NUM
inlawrev-3950	137	23	$	$	SYM
inlawrev-3950	137	24	65	65	NUM
inlawrev-3950	137	25	billion	billion	NUM
inlawrev-3950	137	26	in	in	ADP
inlawrev-3950	137	27	1995	1995	NUM
inlawrev-3950	137	28	and	and	CCONJ
inlawrev-3950	137	29	$	$	SYM
inlawrev-3950	137	30	332	332	NUM
inlawrev-3950	137	31	billion	billion	NUM
inlawrev-3950	137	32	in	in	ADP
inlawrev-3950	137	33	2003.^^	2003.^^	NUM
inlawrev-3950	137	34	these	these	DET
inlawrev-3950	137	35	subprime	subprime	ADJ
inlawrev-3950	137	36	loans	loan	NOUN
inlawrev-3950	137	37	have	have	AUX
inlawrev-3950	137	38	allowed	allow	VERB
inlawrev-3950	137	39	millions	million	NOUN
inlawrev-3950	137	40	of	of	ADP
inlawrev-3950	137	41	borrowers	borrower	NOUN
inlawrev-3950	137	42	to	to	PART
inlawrev-3950	137	43	obtain	obtain	VERB
inlawrev-3950	137	44	mortgages	mortgage	NOUN
inlawrev-3950	137	45	,	,	PUNCT
inlawrev-3950	137	46	at	at	ADP
inlawrev-3950	137	47	marginally	marginally	ADV
inlawrev-3950	137	48	increased	increase	VERB
inlawrev-3950	137	49	prices	price	NOUN
inlawrev-3950	137	50	,	,	PUNCT
inlawrev-3950	137	51	even	even	ADV
inlawrev-3950	137	52	though	though	SCONJ
inlawrev-3950	137	53	their	their	PRON
inlawrev-3950	137	54	credit	credit	NOUN
inlawrev-3950	137	55	profiles	profile	NOUN
inlawrev-3950	137	56	do	do	AUX
inlawrev-3950	137	57	not	not	PART
inlawrev-3950	137	58	qualify	qualify	VERB
inlawrev-3950	137	59	them	they	PRON
inlawrev-3950	137	60	for	for	ADP
inlawrev-3950	137	61	lower	low	ADJ
inlawrev-3950	137	62	-	-	PUNCT
inlawrev-3950	137	63	cost	cost	NOUN
inlawrev-3950	137	64	prime	prime	NOUN
inlawrev-3950	137	65	loans.^^	loans.^^	PUNCT
inlawrev-3950	138	1	they	they	PRON
inlawrev-3950	138	2	have	have	AUX
inlawrev-3950	138	3	opened	open	VERB
inlawrev-3950	138	4	the	the	DET
inlawrev-3950	138	5	door	door	NOUN
inlawrev-3950	138	6	to	to	ADP
inlawrev-3950	138	7	homeownership	homeownership	NOUN
inlawrev-3950	138	8	to	to	ADP
inlawrev-3950	138	9	many	many	ADJ
inlawrev-3950	138	10	people	people	NOUN
inlawrev-3950	138	11	,	,	PUNCT
inlawrev-3950	138	12	especially	especially	ADV
inlawrev-3950	138	13	lowto	lowto	VERB
inlawrev-3950	138	14	moderate	moderate	ADJ
inlawrev-3950	138	15	-	-	PUNCT
inlawrev-3950	138	16	income	income	NOUN
inlawrev-3950	138	17	and	and	CCONJ
inlawrev-3950	138	18	minority	minority	NOUN
inlawrev-3950	138	19	consumers	consumer	NOUN
inlawrev-3950	138	20	,	,	PUNCT
inlawrev-3950	138	21	who	who	PRON
inlawrev-3950	138	22	otherwise	otherwise	ADV
inlawrev-3950	138	23	would	would	AUX
inlawrev-3950	138	24	have	have	AUX
inlawrev-3950	138	25	been	be	AUX
inlawrev-3950	138	26	denied	deny	VERB
inlawrev-3950	138	27	mortgages/	mortgages/	NUM
inlawrev-3950	138	28	°	°	NOUN
inlawrev-3950	138	29	at	at	ADP
inlawrev-3950	138	30	the	the	DET
inlawrev-3950	138	31	same	same	ADJ
inlawrev-3950	138	32	time	time	NOUN
inlawrev-3950	138	33	,	,	PUNCT
inlawrev-3950	138	34	subprime	subprime	ADJ
inlawrev-3950	138	35	lending	lending	NOUN
inlawrev-3950	138	36	has	have	AUX
inlawrev-3950	138	37	created	create	VERB
inlawrev-3950	138	38	opportunities	opportunity	NOUN
inlawrev-3950	138	39	for	for	SCONJ
inlawrev-3950	138	40	unscrupulous	unscrupulous	ADJ
inlawrev-3950	138	41	lenders	lender	NOUN
inlawrev-3950	138	42	to	to	PART
inlawrev-3950	138	43	engage	engage	VERB
inlawrev-3950	138	44	in	in	ADP
inlawrev-3950	138	45	irresponsible	irresponsible	ADJ
inlawrev-3950	138	46	lending	lending	NOUN
inlawrev-3950	138	47	practices	practice	NOUN
inlawrev-3950	138	48	that	that	PRON
inlawrev-3950	138	49	result	result	VERB
inlawrev-3950	138	50	in	in	ADP
inlawrev-3950	138	51	loans	loan	NOUN
inlawrev-3950	138	52	that	that	PRON
inlawrev-3950	138	53	borrowers	borrower	NOUN
inlawrev-3950	138	54	can	can	AUX
inlawrev-3950	138	55	not	not	PART
inlawrev-3950	138	56	afford	afford	VERB
inlawrev-3950	138	57	.	.	PUNCT
inlawrev-3950	139	1	"^	"^	PUNCT
inlawrev-3950	139	2	'	'	PUNCT
inlawrev-3950	139	3	this	this	PRON
inlawrev-3950	139	4	,	,	PUNCT
inlawrev-3950	139	5	in	in	ADP
inlawrev-3950	139	6	turn	turn	NOUN
inlawrev-3950	139	7	,	,	PUNCT
inlawrev-3950	139	8	has	have	AUX
inlawrev-3950	139	9	led	lead	VERB
inlawrev-3950	139	10	directly	directly	ADV
inlawrev-3950	139	11	to	to	ADP
inlawrev-3950	139	12	defaults	default	NOUN
inlawrev-3950	139	13	and	and	CCONJ
inlawrev-3950	139	14	foreclosures	foreclosure	NOUN
inlawrev-3950	139	15	.	.	PUNCT
inlawrev-3950	140	1	enticed	entice	VERB
inlawrev-3950	140	2	by	by	ADP
inlawrev-3950	140	3	the	the	DET
inlawrev-3950	140	4	prospect	prospect	NOUN
inlawrev-3950	140	5	of	of	ADP
inlawrev-3950	140	6	short	short	ADJ
inlawrev-3950	140	7	-	-	PUNCT
inlawrev-3950	140	8	term	term	NOUN
inlawrev-3950	140	9	profits	profit	NOUN
inlawrev-3950	140	10	resulting	result	VERB
inlawrev-3950	140	11	from	from	ADP
inlawrev-3950	140	12	exorbitant	exorbitant	ADJ
inlawrev-3950	140	13	origination	origination	NOUN
inlawrev-3950	140	14	fees	fee	NOUN
inlawrev-3950	140	15	,	,	PUNCT
inlawrev-3950	140	16	points	point	NOUN
inlawrev-3950	140	17	,	,	PUNCT
inlawrev-3950	140	18	and	and	CCONJ
inlawrev-3950	140	19	related	related	ADJ
inlawrev-3950	140	20	pricing	pricing	NOUN
inlawrev-3950	140	21	schemes	scheme	NOUN
inlawrev-3950	140	22	,	,	PUNCT
inlawrev-3950	140	23	many	many	ADJ
inlawrev-3950	140	24	irresponsible	irresponsible	ADJ
inlawrev-3950	140	25	subprime	subprime	ADJ
inlawrev-3950	140	26	lenders	lender	NOUN
inlawrev-3950	140	27	took	take	VERB
inlawrev-3950	140	28	advantage	advantage	NOUN
inlawrev-3950	140	29	of	of	ADP
inlawrev-3950	140	30	a	a	DET
inlawrev-3950	140	31	rapidly	rapidly	ADV
inlawrev-3950	140	32	rising	rise	VERB
inlawrev-3950	140	33	real	real	ADJ
inlawrev-3950	140	34	estate	estate	NOUN
inlawrev-3950	140	35	market	market	NOUN
inlawrev-3950	140	36	to	to	PART
inlawrev-3950	140	37	convince	convince	VERB
inlawrev-3950	140	38	borrowers	borrower	NOUN
inlawrev-3950	140	39	to	to	PART
inlawrev-3950	140	40	enter	enter	VERB
inlawrev-3950	140	41	into	into	ADP
inlawrev-3950	140	42	loans	loan	NOUN
inlawrev-3950	140	43	that	that	SCONJ
inlawrev-3950	140	44	they	they	PRON
inlawrev-3950	140	45	could	could	AUX
inlawrev-3950	140	46	not	not	PART
inlawrev-3950	140	47	afford	afford	VERB
inlawrev-3950	140	48	.	.	PUNCT
inlawrev-3950	141	1	often	often	ADV
inlawrev-3950	141	2	this	this	PRON
inlawrev-3950	141	3	was	be	AUX
inlawrev-3950	141	4	accomplished	accomplish	VERB
inlawrev-3950	141	5	with	with	ADP
inlawrev-3950	141	6	the	the	DET
inlawrev-3950	141	7	help	help	NOUN
inlawrev-3950	141	8	of	of	ADP
inlawrev-3950	141	9	deceptive	deceptive	ADJ
inlawrev-3950	141	10	practices	practice	NOUN
inlawrev-3950	141	11	and	and	CCONJ
inlawrev-3950	141	12	promises	promise	NOUN
inlawrev-3950	141	13	to	to	PART
inlawrev-3950	141	14	refinance	refinance	VERB
inlawrev-3950	141	15	at	at	ADP
inlawrev-3950	141	16	a	a	DET
inlawrev-3950	141	17	later	later	ADJ
inlawrev-3950	141	18	date	date	NOUN
inlawrev-3950	141	19	.	.	PUNCT
inlawrev-3950	142	1	"^^	"^^	VERB
inlawrev-3950	142	2	these	these	DET
inlawrev-3950	142	3	abusive	abusive	ADJ
inlawrev-3950	142	4	subprime	subprime	ADJ
inlawrev-3950	142	5	lenders	lender	NOUN
inlawrev-3950	142	6	did	do	AUX
inlawrev-3950	142	7	not	not	PART
inlawrev-3950	142	8	worry	worry	VERB
inlawrev-3950	142	9	about	about	ADP
inlawrev-3950	142	10	the	the	DET
inlawrev-3950	142	11	consequences	consequence	NOUN
inlawrev-3950	142	12	of	of	ADP
inlawrev-3950	142	13	default	default	NOUN
inlawrev-3950	142	14	or	or	CCONJ
inlawrev-3950	142	15	foreclosure	foreclosure	NOUN
inlawrev-3950	142	16	to	to	ADP
inlawrev-3950	142	17	their	their	PRON
inlawrev-3950	142	18	business	business	NOUN
inlawrev-3950	142	19	because	because	SCONJ
inlawrev-3950	142	20	once	once	ADV
inlawrev-3950	142	21	made	make	VERB
inlawrev-3950	142	22	,	,	PUNCT
inlawrev-3950	142	23	the	the	DET
inlawrev-3950	142	24	loans	loan	NOUN
inlawrev-3950	142	25	were	be	AUX
inlawrev-3950	142	26	sold	sell	VERB
inlawrev-3950	142	27	on	on	ADP
inlawrev-3950	142	28	the	the	DET
inlawrev-3950	142	29	secondary	secondary	ADJ
inlawrev-3950	142	30	market	market	NOUN
inlawrev-3950	142	31	.	.	PUNCT
inlawrev-3950	143	1	"^^	"^^	PROPN
inlawrev-3950	143	2	as	as	SCONJ
inlawrev-3950	143	3	the	the	DET
inlawrev-3950	143	4	subprime	subprime	ADJ
inlawrev-3950	143	5	market	market	NOUN
inlawrev-3950	143	6	grew	grow	VERB
inlawrev-3950	143	7	,	,	PUNCT
inlawrev-3950	143	8	the	the	DET
inlawrev-3950	143	9	opportunities	opportunity	NOUN
inlawrev-3950	143	10	for	for	ADP
inlawrev-3950	143	11	abusive	abusive	ADJ
inlawrev-3950	143	12	practices	practice	NOUN
inlawrev-3950	143	13	grew	grow	VERB
inlawrev-3950	143	14	with	with	ADP
inlawrev-3950	143	15	it	it	PRON
inlawrev-3950	143	16	.	.	PUNCT
inlawrev-3950	144	1	these	these	DET
inlawrev-3950	144	2	practices	practice	NOUN
inlawrev-3950	144	3	include	include	VERB
inlawrev-3950	144	4	:	:	PUNCT
inlawrev-3950	144	5	(	(	PUNCT
inlawrev-3950	144	6	a	a	X
inlawrev-3950	144	7	)	)	PUNCT
inlawrev-3950	144	8	enticing	enticing	ADJ
inlawrev-3950	144	9	borrowers	borrower	NOUN
inlawrev-3950	144	10	into	into	ADP
inlawrev-3950	144	11	adjustable	adjustable	ADJ
inlawrev-3950	144	12	rate	rate	NOUN
inlawrev-3950	144	13	loans	loan	NOUN
inlawrev-3950	144	14	with	with	ADP
inlawrev-3950	144	15	low	low	ADJ
inlawrev-3950	144	16	"	"	PUNCT
inlawrev-3950	144	17	teaser	teaser	NOUN
inlawrev-3950	144	18	rates	rate	NOUN
inlawrev-3950	144	19	"	"	PUNCT
inlawrev-3950	144	20	that	that	PRON
inlawrev-3950	144	21	would	would	AUX
inlawrev-3950	144	22	automatically	automatically	ADV
inlawrev-3950	144	23	reset	reset	VERB
inlawrev-3950	144	24	to	to	ADP
inlawrev-3950	144	25	much	much	ADV
inlawrev-3950	144	26	higher	high	ADJ
inlawrev-3950	144	27	market	market	NOUN
inlawrev-3950	144	28	rates	rate	NOUN
inlawrev-3950	144	29	after	after	ADP
inlawrev-3950	144	30	an	an	DET
inlawrev-3950	144	31	introductory	introductory	ADJ
inlawrev-3950	144	32	period	period	NOUN
inlawrev-3950	144	33	,	,	PUNCT
inlawrev-3950	144	34	often	often	ADV
inlawrev-3950	144	35	with	with	ADP
inlawrev-3950	144	36	false	false	ADJ
inlawrev-3950	144	37	promises	promise	NOUN
inlawrev-3950	144	38	to	to	PART
inlawrev-3950	144	39	refinance	refinance	VERB
inlawrev-3950	144	40	the	the	DET
inlawrev-3950	144	41	loan	loan	NOUN
inlawrev-3950	144	42	before	before	SCONJ
inlawrev-3950	144	43	the	the	DET
inlawrev-3950	144	44	introductory	introductory	ADJ
inlawrev-3950	144	45	period	period	NOUN
inlawrev-3950	144	46	ended	end	VERB
inlawrev-3950	144	47	;	;	PUNCT
inlawrev-3950	144	48	(	(	PUNCT
inlawrev-3950	144	49	b	b	X
inlawrev-3950	144	50	)	)	PUNCT
inlawrev-3950	144	51	encouraging	encourage	VERB
inlawrev-3950	144	52	borrowers	borrower	NOUN
inlawrev-3950	144	53	to	to	PART
inlawrev-3950	144	54	refinance	refinance	VERB
inlawrev-3950	144	55	loans	loan	NOUN
inlawrev-3950	144	56	unnecessarily	unnecessarily	ADV
inlawrev-3950	144	57	for	for	ADP
inlawrev-3950	144	58	the	the	DET
inlawrev-3950	144	59	purpose	purpose	NOUN
inlawrev-3950	144	60	of	of	ADP
inlawrev-3950	144	61	collecting	collect	VERB
inlawrev-3950	144	62	closing	closing	NOUN
inlawrev-3950	144	63	costs	cost	NOUN
inlawrev-3950	144	64	,	,	PUNCT
inlawrev-3950	144	65	fees	fee	NOUN
inlawrev-3950	144	66	,	,	PUNCT
inlawrev-3950	144	67	and	and	CCONJ
inlawrev-3950	144	68	higher	high	ADJ
inlawrev-3950	144	69	interest	interest	NOUN
inlawrev-3950	144	70	rates	rate	NOUN
inlawrev-3950	144	71	;	;	PUNCT
inlawrev-3950	144	72	(	(	PUNCT
inlawrev-3950	144	73	c	c	X
inlawrev-3950	144	74	)	)	PUNCT
inlawrev-3950	144	75	charging	charge	VERB
inlawrev-3950	144	76	"	"	PUNCT
inlawrev-3950	144	77	yield	yield	VERB
inlawrev-3950	144	78	spread	spread	ADJ
inlawrev-3950	144	79	premiums	premium	NOUN
inlawrev-3950	144	80	"	"	PUNCT
inlawrev-3950	144	81	that	that	PRON
inlawrev-3950	144	82	allow	allow	VERB
inlawrev-3950	144	83	the	the	DET
inlawrev-3950	144	84	lender	lender	NOUN
inlawrev-3950	144	85	to	to	PART
inlawrev-3950	144	86	profit	profit	VERB
inlawrev-3950	144	87	from	from	ADP
inlawrev-3950	144	88	interest	interest	NOUN
inlawrev-3950	144	89	rates	rate	NOUN
inlawrev-3950	144	90	that	that	PRON
inlawrev-3950	144	91	are	be	AUX
inlawrev-3950	144	92	higher	high	ADJ
inlawrev-3950	144	93	than	than	ADP
inlawrev-3950	144	94	the	the	DET
inlawrev-3950	144	95	rate	rate	NOUN
inlawrev-3950	144	96	the	the	DET
inlawrev-3950	144	97	borrower	borrower	NOUN
inlawrev-3950	144	98	qualifies	qualify	VERB
inlawrev-3950	144	99	for	for	ADP
inlawrev-3950	144	100	and	and	CCONJ
inlawrev-3950	144	101	can	can	AUX
inlawrev-3950	144	102	actually	actually	ADV
inlawrev-3950	144	103	afford	afford	VERB
inlawrev-3950	144	104	;	;	PUNCT
inlawrev-3950	144	105	(	(	PUNCT
inlawrev-3950	144	106	d	d	X
inlawrev-3950	144	107	)	)	PUNCT
inlawrev-3950	144	108	ignoring	ignore	VERB
inlawrev-3950	144	109	traditional	traditional	ADJ
inlawrev-3950	144	110	underwriting	underwriting	NOUN
inlawrev-3950	144	111	criteria	criterion	NOUN
inlawrev-3950	144	112	such	such	ADJ
inlawrev-3950	144	113	as	as	ADP
inlawrev-3950	144	114	debt	debt	NOUN
inlawrev-3950	144	115	-	-	PUNCT
inlawrev-3950	144	116	toincome	toincome	NOUN
inlawrev-3950	144	117	ratio	ratio	NOUN
inlawrev-3950	144	118	,	,	PUNCT
inlawrev-3950	144	119	loan	loan	NOUN
inlawrev-3950	144	120	to	to	ADP
inlawrev-3950	144	121	value	value	NOUN
inlawrev-3950	144	122	ratio	ratio	NOUN
inlawrev-3950	144	123	,	,	PUNCT
inlawrev-3950	144	124	fico	fico	NOUN
inlawrev-3950	144	125	score	score	NOUN
inlawrev-3950	144	126	,	,	PUNCT
inlawrev-3950	144	127	cash	cash	NOUN
inlawrev-3950	144	128	reserves	reserve	NOUN
inlawrev-3950	144	129	,	,	PUNCT
inlawrev-3950	144	130	and	and	CCONJ
inlawrev-3950	144	131	work	work	NOUN
inlawrev-3950	144	132	history	history	NOUN
inlawrev-3950	144	133	,	,	PUNCT
inlawrev-3950	144	134	against	against	ADP
inlawrev-3950	144	135	the	the	DET
inlawrev-3950	144	136	borrower	borrower	NOUN
inlawrev-3950	144	137	'	'	PART
inlawrev-3950	144	138	s	s	PART
inlawrev-3950	144	139	best	good	ADJ
inlawrev-3950	144	140	interest	interest	NOUN
inlawrev-3950	144	141	,	,	PUNCT
inlawrev-3950	144	142	all	all	PRON
inlawrev-3950	144	143	for	for	ADP
inlawrev-3950	144	144	the	the	DET
inlawrev-3950	144	145	purpose	purpose	NOUN
inlawrev-3950	144	146	of	of	ADP
inlawrev-3950	144	147	maintaining	maintain	VERB
inlawrev-3950	144	148	the	the	DET
inlawrev-3950	144	149	short	short	ADJ
inlawrev-3950	144	150	term	term	NOUN
inlawrev-3950	144	151	profit	profit	NOUN
inlawrev-3950	144	152	that	that	PRON
inlawrev-3950	144	153	comes	come	VERB
inlawrev-3950	144	154	from	from	ADP
inlawrev-3950	144	155	high	high	ADJ
inlawrev-3950	144	156	loan	loan	NOUN
inlawrev-3950	144	157	volumes	volume	NOUN
inlawrev-3950	144	158	,	,	PUNCT
inlawrev-3950	144	159	closing	closing	NOUN
inlawrev-3950	144	160	costs	cost	NOUN
inlawrev-3950	144	161	,	,	PUNCT
inlawrev-3950	144	162	and	and	CCONJ
inlawrev-3950	144	163	transaction	transaction	NOUN
inlawrev-3950	144	164	fees	fee	NOUN
inlawrev-3950	144	165	;	;	PUNCT
inlawrev-3950	144	166	(	(	PUNCT
inlawrev-3950	144	167	e	e	X
inlawrev-3950	144	168	)	)	PUNCT
inlawrev-3950	144	169	charging	charge	VERB
inlawrev-3950	144	170	excessive	excessive	ADJ
inlawrev-3950	144	171	points	point	NOUN
inlawrev-3950	144	172	and	and	CCONJ
inlawrev-3950	144	173	fees	fee	NOUN
inlawrev-3950	144	174	;	;	PUNCT
inlawrev-3950	144	175	and	and	CCONJ
inlawrev-3950	144	176	(	(	PUNCT
inlawrev-3950	144	177	f	f	X
inlawrev-3950	144	178	)	)	PUNCT
inlawrev-3950	144	179	requiring	require	VERB
inlawrev-3950	144	180	substantial	substantial	ADJ
inlawrev-3950	144	181	prepayment	prepayment	NOUN
inlawrev-3950	144	182	penalties	penalty	NOUN
inlawrev-3950	144	183	to	to	PART
inlawrev-3950	144	184	prevent	prevent	VERB
inlawrev-3950	144	185	borrowers	borrower	NOUN
inlawrev-3950	144	186	with	with	ADP
inlawrev-3950	144	187	improved	improved	ADJ
inlawrev-3950	144	188	credit	credit	NOUN
inlawrev-3950	144	189	or	or	CCONJ
inlawrev-3950	144	190	equity	equity	NOUN
inlawrev-3950	144	191	from	from	ADP
inlawrev-3950	144	192	moving	move	VERB
inlawrev-3950	144	193	from	from	ADP
inlawrev-3950	144	194	a	a	DET
inlawrev-3950	144	195	subprime	subprime	NOUN
inlawrev-3950	144	196	to	to	ADP
inlawrev-3950	144	197	prime	prime	ADJ
inlawrev-3950	144	198	loan	loan	NOUN
inlawrev-3950	144	199	.	.	PUNCT
inlawrev-3950	144	200	'*'^	'*'^	PROPN
inlawrev-3950	144	201	38	38	NUM
inlawrev-3950	144	202	.	.	PUNCT
inlawrev-3950	145	1	joint	joint	ADJ
inlawrev-3950	145	2	econ	econ	PROPN
inlawrev-3950	145	3	.	.	PUNCT
inlawrev-3950	145	4	comm	comm	NOUN
inlawrev-3950	145	5	.	.	PUNCT
inlawrev-3950	145	6	,	,	PUNCT
inlawrev-3950	145	7	1	1	NUM
inlawrev-3950	145	8	10th	10th	ADJ
inlawrev-3950	145	9	cong	cong	NOUN
inlawrev-3950	145	10	.	.	PUNCT
inlawrev-3950	146	1	,	,	PUNCT
inlawrev-3950	146	2	sheltering	shelter	VERB
inlawrev-3950	146	3	neighborhoods	neighborhood	NOUN
inlawrev-3950	146	4	from	from	ADP
inlawrev-3950	146	5	the	the	DET
inlawrev-3950	146	6	subprime	subprime	ADJ
inlawrev-3950	146	7	foreclosure	foreclosure	NOUN
inlawrev-3950	146	8	storm	storm	NOUN
inlawrev-3950	146	9	4	4	NUM
inlawrev-3950	146	10	(	(	PUNCT
inlawrev-3950	146	11	2007	2007	NUM
inlawrev-3950	146	12	)	)	PUNCT
inlawrev-3950	147	1	[	[	X
inlawrev-3950	147	2	hereinafter	hereinafter	NOUN
inlawrev-3950	147	3	sheltering	shelter	VERB
inlawrev-3950	147	4	neighborhoods	neighborhood	NOUN
inlawrev-3950	147	5	]	]	PUNCT
inlawrev-3950	147	6	.	.	PUNCT
inlawrev-3950	148	1	39	39	NUM
inlawrev-3950	148	2	.	.	PUNCT
inlawrev-3950	149	1	see	see	VERB
inlawrev-3950	149	2	i	i	PRON
inlawrev-3950	149	3	d.	d.	PROPN
inlawrev-3950	149	4	at	at	ADP
inlawrev-3950	149	5	3	3	NUM
inlawrev-3950	149	6	.	.	NUM
inlawrev-3950	149	7	40	40	NUM
inlawrev-3950	149	8	.	.	PUNCT
inlawrev-3950	150	1	schloemer	schloemer	VERB
inlawrev-3950	150	2	et	et	PROPN
inlawrev-3950	150	3	al	al	PROPN
inlawrev-3950	150	4	.	.	PROPN
inlawrev-3950	150	5	,	,	PUNCT
inlawrev-3950	150	6	supra	supra	PROPN
inlawrev-3950	150	7	note	note	PROPN
inlawrev-3950	150	8	27	27	NUM
inlawrev-3950	150	9	,	,	PUNCT
inlawrev-3950	150	10	at	at	ADP
inlawrev-3950	150	11	7	7	NUM
inlawrev-3950	150	12	.	.	NOUN
inlawrev-3950	150	13	41	41	NUM
inlawrev-3950	150	14	.	.	PUNCT
inlawrev-3950	151	1	see	see	VERB
inlawrev-3950	151	2	infra	infra	NOUN
inlawrev-3950	151	3	note	note	VERB
inlawrev-3950	151	4	44	44	NUM
inlawrev-3950	151	5	and	and	CCONJ
inlawrev-3950	151	6	accompanying	accompany	VERB
inlawrev-3950	151	7	text	text	NOUN
inlawrev-3950	151	8	.	.	PUNCT
inlawrev-3950	152	1	42	42	NUM
inlawrev-3950	152	2	.	.	PUNCT
inlawrev-3950	153	1	see	see	VERB
inlawrev-3950	153	2	hargraves	hargrave	NOUN
inlawrev-3950	153	3	v.	v.	ADP
inlawrev-3950	153	4	capital	capital	PROPN
inlawrev-3950	153	5	city	city	PROPN
inlawrev-3950	153	6	mortgage	mortgage	PROPN
inlawrev-3950	153	7	corp	corp	PROPN
inlawrev-3950	153	8	.	.	PROPN
inlawrev-3950	153	9	,	,	PUNCT
inlawrev-3950	153	10	140	140	NUM
inlawrev-3950	153	11	f.	f.	PROPN
inlawrev-3950	153	12	supp	supp	PROPN
inlawrev-3950	153	13	.	.	PUNCT
inlawrev-3950	154	1	2d	2d	PROPN
inlawrev-3950	154	2	7	7	NUM
inlawrev-3950	154	3	,	,	PUNCT
inlawrev-3950	154	4	16	16	NUM
inlawrev-3950	154	5	-	-	SYM
inlawrev-3950	154	6	21	21	NUM
inlawrev-3950	154	7	(	(	PUNCT
inlawrev-3950	154	8	d.d.c	d.d.c	PROPN
inlawrev-3950	154	9	.	.	PROPN
inlawrev-3950	154	10	2000	2000	NUM
inlawrev-3950	154	11	)	)	PUNCT
inlawrev-3950	154	12	.	.	PUNCT
inlawrev-3950	155	1	43	43	NUM
inlawrev-3950	155	2	.	.	PUNCT
inlawrev-3950	156	1	see	see	VERB
inlawrev-3950	156	2	schloemer	schloemer	NOUN
inlawrev-3950	156	3	et	et	PROPN
inlawrev-3950	156	4	al	al	PROPN
inlawrev-3950	156	5	.	.	PROPN
inlawrev-3950	156	6	,	,	PUNCT
inlawrev-3950	156	7	supra	supra	PROPN
inlawrev-3950	156	8	note	note	PROPN
inlawrev-3950	156	9	27	27	NUM
inlawrev-3950	156	10	,	,	PUNCT
inlawrev-3950	156	11	at	at	ADP
inlawrev-3950	156	12	6	6	NUM
inlawrev-3950	156	13	;	;	PUNCT
inlawrev-3950	156	14	the	the	DET
inlawrev-3950	156	15	subprime	subprime	ADJ
inlawrev-3950	156	16	lending	lending	NOUN
inlawrev-3950	156	17	crisis	crisis	NOUN
inlawrev-3950	156	18	,	,	PUNCT
inlawrev-3950	156	19	supra	supra	PROPN
inlawrev-3950	156	20	note	note	PROPN
inlawrev-3950	156	21	21	21	NUM
inlawrev-3950	156	22	,	,	PUNCT
inlawrev-3950	156	23	at	at	ADP
inlawrev-3950	156	24	20	20	NUM
inlawrev-3950	156	25	.	.	PUNCT
inlawrev-3950	156	26	44	44	NUM
inlawrev-3950	156	27	.	.	PUNCT
inlawrev-3950	157	1	see	see	VERB
inlawrev-3950	157	2	,	,	PUNCT
inlawrev-3950	157	3	e.g.	e.g.	ADV
inlawrev-3950	157	4	,	,	PUNCT
inlawrev-3950	157	5	schloemer	schloemer	VERB
inlawrev-3950	157	6	et	et	PROPN
inlawrev-3950	157	7	al	al	PROPN
inlawrev-3950	157	8	.	.	PROPN
inlawrev-3950	157	9	,	,	PUNCT
inlawrev-3950	157	10	supra	supra	PROPN
inlawrev-3950	157	11	note	note	PROPN
inlawrev-3950	157	12	27	27	NUM
inlawrev-3950	157	13	,	,	PUNCT
inlawrev-3950	157	14	at	at	ADP
inlawrev-3950	157	15	5	5	NUM
inlawrev-3950	157	16	-	-	SYM
inlawrev-3950	157	17	6	6	NUM
inlawrev-3950	157	18	;	;	PUNCT
inlawrev-3950	157	19	shelteringneighborhoods	shelteringneighborhood	NOUN
inlawrev-3950	157	20	,	,	PUNCT
inlawrev-3950	157	21	supra	supra	PROPN
inlawrev-3950	157	22	note	note	PROPN
inlawrev-3950	157	23	38	38	NUM
inlawrev-3950	157	24	,	,	PUNCT
inlawrev-3950	157	25	at	at	ADP
inlawrev-3950	157	26	1	1	NUM
inlawrev-3950	157	27	-	-	SYM
inlawrev-3950	157	28	3	3	NUM
inlawrev-3950	157	29	;	;	PUNCT
inlawrev-3950	157	30	the	the	DET
inlawrev-3950	157	31	subprime	subprime	ADJ
inlawrev-3950	157	32	lending	lending	NOUN
inlawrev-3950	157	33	crisis	crisis	NOUN
inlawrev-3950	157	34	,	,	PUNCT
inlawrev-3950	157	35	supra	supra	PROPN
inlawrev-3950	157	36	note	note	PROPN
inlawrev-3950	157	37	21	21	NUM
inlawrev-3950	157	38	,	,	PUNCT
inlawrev-3950	157	39	at	at	ADP
inlawrev-3950	157	40	10	10	NUM
inlawrev-3950	157	41	,	,	PUNCT
inlawrev-3950	157	42	20	20	NUM
inlawrev-3950	157	43	-	-	SYM
inlawrev-3950	157	44	22	22	NUM
inlawrev-3950	157	45	;	;	PUNCT
inlawrev-3950	157	46	u.s.dep'tofhous	u.s.dep'tofhous	ADJ
inlawrev-3950	157	47	,	,	PUNCT
inlawrev-3950	157	48	&	&	CCONJ
inlawrev-3950	157	49	urb	urb	PROPN
inlawrev-3950	157	50	.	.	PUNCT
inlawrev-3950	158	1	dev	dev	PROPN
inlawrev-3950	158	2	.	.	PROPN
inlawrev-3950	158	3	&	&	CCONJ
inlawrev-3950	158	4	u.s	u.s	PROPN
inlawrev-3950	158	5	.	.	PROPN
inlawrev-3950	158	6	dep't	dep't	PROPN
inlawrev-3950	158	7	of	of	ADP
inlawrev-3950	158	8	treasury	treasury	NOUN
inlawrev-3950	158	9	,	,	PUNCT
inlawrev-3950	158	10	curbing	curb	VERB
inlawrev-3950	158	11	predatory	predatory	ADJ
inlawrev-3950	158	12	home	home	NOUN
inlawrev-3950	158	13	mortgage	mortgage	NOUN
inlawrev-3950	158	14	lending	lending	NOUN
inlawrev-3950	158	15	:	:	PUNCT
inlawrev-3950	158	16	a	a	DET
inlawrev-3950	158	17	joint	joint	ADJ
inlawrev-3950	158	18	report	report	NOUN
inlawrev-3950	158	19	2	2	NUM
inlawrev-3950	158	20	(	(	PUNCT
inlawrev-3950	158	21	2000	2000	NUM
inlawrev-3950	158	22	)	)	PUNCT
inlawrev-3950	158	23	,	,	PUNCT
inlawrev-3950	158	24	http://www.huduser.org/publications/pdf/treasrpt	http://www.huduser.org/publications/pdf/treasrpt	NOUN
inlawrev-3950	158	25	.	.	PUNCT
inlawrev-3950	159	1	pdf	pdf	NOUN
inlawrev-3950	160	1	[	[	X
inlawrev-3950	160	2	hereinafter	hereinafter	NOUN
inlawrev-3950	160	3	curbing	curb	VERB
inlawrev-3950	160	4	predatory	predatory	ADJ
inlawrev-3950	160	5	home	home	NOUN
inlawrev-3950	160	6	lending	lending	NOUN
inlawrev-3950	160	7	]	]	PUNCT
inlawrev-3950	160	8	;	;	PUNCT
inlawrev-3950	160	9	see	see	VERB
inlawrev-3950	160	10	generally	generally	ADV
inlawrev-3950	160	11	john	john	PROPN
inlawrev-3950	160	12	p.	p.	PROPN
inlawrev-3950	160	13	relman	relman	PROPN
inlawrev-3950	160	14	et	et	PROPN
inlawrev-3950	160	15	al	al	PROPN
inlawrev-3950	160	16	.	.	PROPN
inlawrev-3950	160	17	,	,	PUNCT
inlawrev-3950	160	18	designing	design	VERB
inlawrev-3950	160	19	federal	federal	ADJ
inlawrev-3950	160	20	636	636	NUM
inlawrev-3950	160	21	indiana	indiana	PROPN
inlawrev-3950	160	22	law	law	PROPN
inlawrev-3950	160	23	review	review	NOUN
inlawrev-3950	160	24	[	[	X
inlawrev-3950	160	25	vol	vol	NOUN
inlawrev-3950	160	26	.	.	PUNCT
inlawrev-3950	161	1	41	41	NUM
inlawrev-3950	161	2	:	:	PUNCT
inlawrev-3950	161	3	629	629	NUM
inlawrev-3950	161	4	as	as	ADV
inlawrev-3950	161	5	long	long	ADV
inlawrev-3950	161	6	as	as	SCONJ
inlawrev-3950	161	7	housing	housing	NOUN
inlawrev-3950	161	8	prices	price	NOUN
inlawrev-3950	161	9	continued	continue	VERB
inlawrev-3950	161	10	to	to	PART
inlawrev-3950	161	11	rise	rise	VERB
inlawrev-3950	161	12	,	,	PUNCT
inlawrev-3950	161	13	the	the	DET
inlawrev-3950	161	14	deleterious	deleterious	ADJ
inlawrev-3950	161	15	effect	effect	NOUN
inlawrev-3950	161	16	of	of	ADP
inlawrev-3950	161	17	these	these	DET
inlawrev-3950	161	18	practices	practice	NOUN
inlawrev-3950	161	19	was	be	AUX
inlawrev-3950	161	20	delayed	delay	VERB
inlawrev-3950	161	21	and	and	CCONJ
inlawrev-3950	161	22	,	,	PUNCT
inlawrev-3950	161	23	thus	thus	ADV
inlawrev-3950	161	24	,	,	PUNCT
inlawrev-3950	161	25	hidden	hide	VERB
inlawrev-3950	161	26	.	.	PUNCT
inlawrev-3950	162	1	"^^	"^^	VERB
inlawrev-3950	162	2	when	when	SCONJ
inlawrev-3950	162	3	the	the	DET
inlawrev-3950	162	4	real	real	ADJ
inlawrev-3950	162	5	estate	estate	NOUN
inlawrev-3950	162	6	bubble	bubble	NOUN
inlawrev-3950	162	7	burst	burst	NOUN
inlawrev-3950	162	8	eariier	eariier	NOUN
inlawrev-3950	162	9	in	in	ADP
inlawrev-3950	162	10	2007	2007	NUM
inlawrev-3950	162	11	,	,	PUNCT
inlawrev-3950	162	12	the	the	DET
inlawrev-3950	162	13	inevitable	inevitable	ADJ
inlawrev-3950	162	14	occurred	occur	VERB
inlawrev-3950	162	15	,	,	PUNCT
inlawrev-3950	162	16	and	and	CCONJ
inlawrev-3950	162	17	foreclosure	foreclosure	NOUN
inlawrev-3950	162	18	rates	rate	NOUN
inlawrev-3950	162	19	began	begin	VERB
inlawrev-3950	162	20	their	their	PRON
inlawrev-3950	162	21	dramatic	dramatic	ADJ
inlawrev-3950	162	22	rise	rise	NOUN
inlawrev-3950	162	23	.	.	PUNCT
inlawrev-3950	163	1	"^^	"^^	PROPN
inlawrev-3950	163	2	bent	bent	ADJ
inlawrev-3950	163	3	on	on	ADP
inlawrev-3950	163	4	maximizing	maximize	VERB
inlawrev-3950	163	5	short	short	ADJ
inlawrev-3950	163	6	-	-	PUNCT
inlawrev-3950	163	7	term	term	NOUN
inlawrev-3950	163	8	profits	profit	NOUN
inlawrev-3950	163	9	and	and	CCONJ
inlawrev-3950	163	10	protected	protect	VERB
inlawrev-3950	163	11	by	by	ADP
inlawrev-3950	163	12	the	the	DET
inlawrev-3950	163	13	ability	ability	NOUN
inlawrev-3950	163	14	to	to	PART
inlawrev-3950	163	15	sell	sell	VERB
inlawrev-3950	163	16	their	their	PRON
inlawrev-3950	163	17	loans	loan	NOUN
inlawrev-3950	163	18	on	on	ADP
inlawrev-3950	163	19	the	the	DET
inlawrev-3950	163	20	secondary	secondary	ADJ
inlawrev-3950	163	21	market	market	NOUN
inlawrev-3950	163	22	,	,	PUNCT
inlawrev-3950	163	23	irresponsible	irresponsible	ADJ
inlawrev-3950	163	24	subprime	subprime	ADJ
inlawrev-3950	163	25	lenders	lender	NOUN
inlawrev-3950	163	26	left	leave	VERB
inlawrev-3950	163	27	countless	countless	ADJ
inlawrev-3950	163	28	homeowners	homeowner	NOUN
inlawrev-3950	163	29	saddled	saddle	VERB
inlawrev-3950	163	30	with	with	ADP
inlawrev-3950	163	31	mortgage	mortgage	NOUN
inlawrev-3950	163	32	debts	debt	NOUN
inlawrev-3950	163	33	they	they	PRON
inlawrev-3950	163	34	can	can	AUX
inlawrev-3950	163	35	not	not	PART
inlawrev-3950	163	36	afford	afford	VERB
inlawrev-3950	163	37	and	and	CCONJ
inlawrev-3950	163	38	no	no	DET
inlawrev-3950	163	39	way	way	NOUN
inlawrev-3950	163	40	to	to	PART
inlawrev-3950	163	41	save	save	VERB
inlawrev-3950	163	42	their	their	PRON
inlawrev-3950	163	43	homes	home	NOUN
inlawrev-3950	163	44	in	in	ADP
inlawrev-3950	163	45	a	a	DET
inlawrev-3950	163	46	declining	decline	VERB
inlawrev-3950	163	47	housing	housing	NOUN
inlawrev-3950	163	48	market	market	NOUN
inlawrev-3950	163	49	.	.	PUNCT
inlawrev-3950	164	1	"^^	"^^	PROPN
inlawrev-3950	164	2	c.	c.	PROPN
inlawrev-3950	164	3	foreclosure	foreclosure	NOUN
inlawrev-3950	164	4	disparities	disparity	NOUN
inlawrev-3950	164	5	in	in	ADP
inlawrev-3950	164	6	baltimore	baltimore	PROPN
inlawrev-3950	164	7	's	's	PART
inlawrev-3950	164	8	african	african	ADJ
inlawrev-3950	164	9	-	-	PUNCT
inlawrev-3950	164	10	american	american	ADJ
inlawrev-3950	164	11	neighborhoods	neighborhood	NOUN
inlawrev-3950	164	12	nationwide	nationwide	ADV
inlawrev-3950	164	13	,	,	PUNCT
inlawrev-3950	164	14	the	the	DET
inlawrev-3950	164	15	impact	impact	NOUN
inlawrev-3950	164	16	of	of	ADP
inlawrev-3950	164	17	the	the	DET
inlawrev-3950	164	18	foreclosure	foreclosure	NOUN
inlawrev-3950	164	19	crisis	crisis	NOUN
inlawrev-3950	164	20	is	be	AUX
inlawrev-3950	164	21	felt	feel	VERB
inlawrev-3950	164	22	most	most	ADV
inlawrev-3950	164	23	acutely	acutely	ADV
inlawrev-3950	164	24	in	in	ADP
inlawrev-3950	164	25	minority	minority	NOUN
inlawrev-3950	164	26	communities	community	NOUN
inlawrev-3950	164	27	.	.	PUNCT
inlawrev-3950	165	1	according	accord	VERB
inlawrev-3950	165	2	to	to	ADP
inlawrev-3950	165	3	one	one	NUM
inlawrev-3950	165	4	recent	recent	ADJ
inlawrev-3950	165	5	report	report	NOUN
inlawrev-3950	165	6	,	,	PUNCT
inlawrev-3950	165	7	nationwide	nationwide	ADJ
inlawrev-3950	165	8	,	,	PUNCT
inlawrev-3950	165	9	subprime	subprime	ADJ
inlawrev-3950	165	10	borrowers	borrower	NOUN
inlawrev-3950	165	11	of	of	ADP
inlawrev-3950	165	12	color	color	NOUN
inlawrev-3950	165	13	will	will	AUX
inlawrev-3950	165	14	lose	lose	VERB
inlawrev-3950	165	15	between	between	ADP
inlawrev-3950	165	16	$	$	SYM
inlawrev-3950	165	17	164	164	NUM
inlawrev-3950	165	18	billion	billion	NUM
inlawrev-3950	165	19	and	and	CCONJ
inlawrev-3950	165	20	$	$	SYM
inlawrev-3950	165	21	213	213	NUM
inlawrev-3950	165	22	billion	billion	NUM
inlawrev-3950	165	23	as	as	ADP
inlawrev-3950	165	24	a	a	DET
inlawrev-3950	165	25	result	result	NOUN
inlawrev-3950	165	26	of	of	ADP
inlawrev-3950	165	27	loans	loan	NOUN
inlawrev-3950	165	28	made	make	VERB
inlawrev-3950	165	29	in	in	ADP
inlawrev-3950	165	30	the	the	DET
inlawrev-3950	165	31	past	past	ADJ
inlawrev-3950	165	32	eight	eight	NUM
inlawrev-3950	165	33	years	year	NOUN
inlawrev-3950	165	34	,	,	PUNCT
inlawrev-3950	165	35	reflecting	reflect	VERB
inlawrev-3950	165	36	the	the	DET
inlawrev-3950	165	37	fact	fact	NOUN
inlawrev-3950	165	38	that	that	SCONJ
inlawrev-3950	165	39	"	"	PUNCT
inlawrev-3950	165	40	people	people	NOUN
inlawrev-3950	165	41	of	of	ADP
inlawrev-3950	165	42	color	color	NOUN
inlawrev-3950	165	43	are	be	AUX
inlawrev-3950	165	44	more	more	ADJ
inlawrev-3950	165	45	than	than	ADP
inlawrev-3950	165	46	three	three	NUM
inlawrev-3950	165	47	times	time	NOUN
inlawrev-3950	165	48	"	"	PUNCT
inlawrev-3950	165	49	as	as	ADV
inlawrev-3950	165	50	likely	likely	ADV
inlawrev-3950	165	51	as	as	SCONJ
inlawrev-3950	165	52	whites	white	NOUN
inlawrev-3950	165	53	to	to	PART
inlawrev-3950	165	54	have	have	VERB
inlawrev-3950	165	55	high	high	ADJ
inlawrev-3950	165	56	cost	cost	NOUN
inlawrev-3950	165	57	,	,	PUNCT
inlawrev-3950	165	58	subprime	subprime	ADJ
inlawrev-3950	165	59	loans	loan	NOUN
inlawrev-3950	165	60	.	.	PUNCT
inlawrev-3950	166	1	'^^	'^^	X
inlawrev-3950	166	2	the	the	DET
inlawrev-3950	166	3	same	same	ADJ
inlawrev-3950	166	4	is	be	AUX
inlawrev-3950	166	5	true	true	ADJ
inlawrev-3950	166	6	in	in	ADP
inlawrev-3950	166	7	baltimore	baltimore	PROPN
inlawrev-3950	166	8	.	.	PUNCT
inlawrev-3950	167	1	citywide	citywide	PROPN
inlawrev-3950	167	2	census	census	NOUN
inlawrev-3950	167	3	tracts	tract	NOUN
inlawrev-3950	167	4	that	that	PRON
inlawrev-3950	167	5	are	be	AUX
inlawrev-3950	167	6	above	above	ADP
inlawrev-3950	167	7	80	80	NUM
inlawrev-3950	167	8	%	%	NOUN
inlawrev-3950	167	9	african	african	ADJ
inlawrev-3950	167	10	-	-	PUNCT
inlawrev-3950	167	11	american	american	ADJ
inlawrev-3950	167	12	account	account	NOUN
inlawrev-3950	167	13	for	for	ADP
inlawrev-3950	167	14	49	49	NUM
inlawrev-3950	167	15	%	%	NOUN
inlawrev-3950	167	16	of	of	ADP
inlawrev-3950	167	17	baltimore	baltimore	PROPN
inlawrev-3950	167	18	's	's	PART
inlawrev-3950	167	19	foreclosure	foreclosure	NOUN
inlawrev-3950	167	20	filings	filing	NOUN
inlawrev-3950	167	21	,	,	PUNCT
inlawrev-3950	167	22	even	even	ADV
inlawrev-3950	167	23	though	though	SCONJ
inlawrev-3950	167	24	these	these	DET
inlawrev-3950	167	25	same	same	ADJ
inlawrev-3950	167	26	tracts	tract	NOUN
inlawrev-3950	167	27	account	account	VERB
inlawrev-3950	167	28	for	for	ADP
inlawrev-3950	167	29	only	only	ADV
inlawrev-3950	167	30	37	37	NUM
inlawrev-3950	167	31	%	%	NOUN
inlawrev-3950	167	32	of	of	ADP
inlawrev-3950	167	33	the	the	DET
inlawrev-3950	167	34	city	city	NOUN
inlawrev-3950	167	35	's	's	PART
inlawrev-3950	167	36	owner	owner	NOUN
inlawrev-3950	167	37	-	-	PUNCT
inlawrev-3950	167	38	occupied	occupy	VERB
inlawrev-3950	167	39	households	household	NOUN
inlawrev-3950	167	40	.	.	PUNCT
inlawrev-3950	168	1	"^^	"^^	VERB
inlawrev-3950	168	2	many	many	ADJ
inlawrev-3950	168	3	housing	housing	NOUN
inlawrev-3950	168	4	advocates	advocate	NOUN
inlawrev-3950	168	5	point	point	VERB
inlawrev-3950	168	6	to	to	ADP
inlawrev-3950	168	7	the	the	DET
inlawrev-3950	168	8	practice	practice	NOUN
inlawrev-3950	168	9	of	of	ADP
inlawrev-3950	168	10	"	"	PUNCT
inlawrev-3950	168	11	reverse	reverse	VERB
inlawrev-3950	168	12	redlining	redline	VERB
inlawrev-3950	168	13	"	"	PUNCT
inlawrev-3950	168	14	as	as	ADP
inlawrev-3950	168	15	a	a	DET
inlawrev-3950	168	16	major	major	ADJ
inlawrev-3950	168	17	cause	cause	NOUN
inlawrev-3950	168	18	of	of	ADP
inlawrev-3950	168	19	this	this	DET
inlawrev-3950	168	20	disparity	disparity	NOUN
inlawrev-3950	168	21	.	.	PUNCT
inlawrev-3950	169	1	^	^	NOUN
inlawrev-3950	169	2	°	°	NOUN
inlawrev-3950	169	3	as	as	SCONJ
inlawrev-3950	169	4	used	use	VERB
inlawrev-3950	169	5	by	by	ADP
inlawrev-3950	169	6	congress	congress	PROPN
inlawrev-3950	169	7	and	and	CCONJ
inlawrev-3950	169	8	the	the	DET
inlawrev-3950	169	9	courts	court	NOUN
inlawrev-3950	169	10	,	,	PUNCT
inlawrev-3950	169	11	the	the	DET
inlawrev-3950	169	12	term	term	NOUN
inlawrev-3950	169	13	"	"	PUNCT
inlawrev-3950	169	14	reverse	reverse	VERB
inlawrev-3950	169	15	redlining	redline	VERB
inlawrev-3950	169	16	"	"	PUNCT
inlawrev-3950	169	17	refers	refer	VERB
inlawrev-3950	169	18	to	to	ADP
inlawrev-3950	169	19	the	the	DET
inlawrev-3950	169	20	practice	practice	NOUN
inlawrev-3950	169	21	of	of	ADP
inlawrev-3950	169	22	targeting	target	VERB
inlawrev-3950	169	23	residents	resident	NOUN
inlawrev-3950	169	24	in	in	ADP
inlawrev-3950	169	25	certain	certain	ADJ
inlawrev-3950	169	26	geographic	geographic	ADJ
inlawrev-3950	169	27	areas	area	NOUN
inlawrev-3950	169	28	for	for	ADP
inlawrev-3950	169	29	credit	credit	NOUN
inlawrev-3950	169	30	on	on	ADP
inlawrev-3950	169	31	unfair	unfair	ADJ
inlawrev-3950	169	32	terms	term	NOUN
inlawrev-3950	169	33	due	due	ADP
inlawrev-3950	169	34	to	to	ADP
inlawrev-3950	169	35	the	the	DET
inlawrev-3950	169	36	racial	racial	ADJ
inlawrev-3950	169	37	or	or	CCONJ
inlawrev-3950	169	38	ethnic	ethnic	ADJ
inlawrev-3950	169	39	composition	composition	NOUN
inlawrev-3950	169	40	of	of	ADP
inlawrev-3950	169	41	the	the	DET
inlawrev-3950	169	42	area.^^	area.^^	NOUN
inlawrev-3950	169	43	in	in	ADP
inlawrev-3950	169	44	contrast	contrast	NOUN
inlawrev-3950	169	45	to	to	ADP
inlawrev-3950	169	46	"	"	PUNCT
inlawrev-3950	169	47	redlining	redline	VERB
inlawrev-3950	169	48	,	,	PUNCT
inlawrev-3950	169	49	"	"	PUNCT
inlawrev-3950	169	50	which	which	PRON
inlawrev-3950	169	51	is	be	AUX
inlawrev-3950	169	52	the	the	DET
inlawrev-3950	169	53	practice	practice	NOUN
inlawrev-3950	169	54	of	of	ADP
inlawrev-3950	169	55	denying	deny	VERB
inlawrev-3950	169	56	/?r	/?r	NOUN
inlawrev-3950	169	57	/	/	SYM
inlawrev-3950	169	58	m^	m^	NOUN
inlawrev-3950	169	59	credit	credit	NOUN
inlawrev-3950	169	60	to	to	ADP
inlawrev-3950	169	61	specific	specific	ADJ
inlawrev-3950	169	62	geographic	geographic	ADJ
inlawrev-3950	169	63	areas	area	NOUN
inlawrev-3950	169	64	because	because	SCONJ
inlawrev-3950	169	65	of	of	ADP
inlawrev-3950	169	66	the	the	DET
inlawrev-3950	169	67	racial	racial	ADJ
inlawrev-3950	169	68	or	or	CCONJ
inlawrev-3950	169	69	ethnic	ethnic	ADJ
inlawrev-3950	169	70	composition	composition	NOUN
inlawrev-3950	169	71	of	of	ADP
inlawrev-3950	169	72	the	the	DET
inlawrev-3950	169	73	area	area	NOUN
inlawrev-3950	169	74	,	,	PUNCT
inlawrev-3950	169	75	reverse	reverse	ADJ
inlawrev-3950	169	76	redlining	redline	VERB
inlawrev-3950	169	77	involves	involve	VERB
inlawrev-3950	169	78	the	the	DET
inlawrev-3950	169	79	targeting	targeting	NOUN
inlawrev-3950	169	80	of	of	ADP
inlawrev-3950	169	81	an	an	DET
inlawrev-3950	169	82	area	area	NOUN
inlawrev-3950	169	83	for	for	ADP
inlawrev-3950	169	84	the	the	DET
inlawrev-3950	169	85	marketing	marketing	NOUN
inlawrev-3950	169	86	of	of	ADP
inlawrev-3950	169	87	deceptive	deceptive	ADJ
inlawrev-3950	169	88	,	,	PUNCT
inlawrev-3950	169	89	predatory	predatory	ADJ
inlawrev-3950	169	90	or	or	CCONJ
inlawrev-3950	169	91	otherwise	otherwise	ADV
inlawrev-3950	169	92	deleterious	deleterious	ADJ
inlawrev-3950	169	93	lending	lending	NOUN
inlawrev-3950	169	94	practices	practice	NOUN
inlawrev-3950	169	95	because	because	SCONJ
inlawrev-3950	169	96	of	of	ADP
inlawrev-3950	169	97	the	the	DET
inlawrev-3950	169	98	race	race	NOUN
inlawrev-3950	169	99	or	or	CCONJ
inlawrev-3950	169	100	ethnicity	ethnicity	NOUN
inlawrev-3950	169	101	of	of	ADP
inlawrev-3950	169	102	the	the	DET
inlawrev-3950	169	103	area	area	NOUN
inlawrev-3950	169	104	's	's	PART
inlawrev-3950	169	105	residents.^^	residents.^^	NOUN
inlawrev-3950	169	106	this	this	DET
inlawrev-3950	169	107	practice	practice	NOUN
inlawrev-3950	169	108	has	have	AUX
inlawrev-3950	169	109	repeatedly	repeatedly	ADV
inlawrev-3950	169	110	been	be	AUX
inlawrev-3950	169	111	held	hold	VERB
inlawrev-3950	169	112	to	to	PART
inlawrev-3950	169	113	violate	violate	VERB
inlawrev-3950	169	114	the	the	DET
inlawrev-3950	169	115	federal	federal	ADJ
inlawrev-3950	169	116	fair	fair	ADJ
inlawrev-3950	169	117	housing	housing	NOUN
inlawrev-3950	169	118	act.^^	act.^^	NUM
inlawrev-3950	169	119	reverse	reverse	ADJ
inlawrev-3950	169	120	redlining	redline	VERB
inlawrev-3950	169	121	typically	typically	ADV
inlawrev-3950	169	122	flourishes	flourish	VERB
inlawrev-3950	169	123	in	in	ADP
inlawrev-3950	169	124	cities	city	NOUN
inlawrev-3950	169	125	where	where	SCONJ
inlawrev-3950	169	126	two	two	NUM
inlawrev-3950	169	127	conditions	condition	NOUN
inlawrev-3950	169	128	are	be	AUX
inlawrev-3950	169	129	met	meet	VERB
inlawrev-3950	169	130	.	.	PUNCT
inlawrev-3950	170	1	legislation	legislation	NOUN
inlawrev-3950	170	2	that	that	PRON
inlawrev-3950	170	3	works	work	VERB
inlawrev-3950	170	4	:	:	PUNCT
inlawrev-3950	170	5	legal	legal	ADJ
inlawrev-3950	170	6	remedies	remedy	NOUN
inlawrev-3950	170	7	for	for	ADP
inlawrev-3950	170	8	predatory	predatory	ADJ
inlawrev-3950	170	9	lending	lending	NOUN
inlawrev-3950	170	10	,	,	PUNCT
inlawrev-3950	170	11	in	in	ADP
inlawrev-3950	170	12	why	why	SCONJ
inlawrev-3950	170	13	the	the	DET
inlawrev-3950	170	14	poor	poor	ADJ
inlawrev-3950	170	15	pay	pay	VERB
inlawrev-3950	170	16	more	more	ADJ
inlawrev-3950	170	17	:	:	PUNCT
inlawrev-3950	170	18	how	how	SCONJ
inlawrev-3950	170	19	to	to	PART
inlawrev-3950	170	20	stop	stop	VERB
inlawrev-3950	170	21	predatory	predatory	ADJ
inlawrev-3950	170	22	lending	lending	NOUN
inlawrev-3950	170	23	153	153	NUM
inlawrev-3950	170	24	(	(	PUNCT
inlawrev-3950	170	25	gregory	gregory	PROPN
inlawrev-3950	170	26	d.	d.	PROPN
inlawrev-3950	170	27	squires	squires	PROPN
inlawrev-3950	170	28	ed	ed	PROPN
inlawrev-3950	170	29	.	.	PROPN
inlawrev-3950	170	30	,	,	PUNCT
inlawrev-3950	170	31	2004	2004	NUM
inlawrev-3950	170	32	)	)	PUNCT
inlawrev-3950	170	33	.	.	PUNCT
inlawrev-3950	171	1	45	45	NUM
inlawrev-3950	171	2	.	.	PUNCT
inlawrev-3950	172	1	the	the	DET
inlawrev-3950	172	2	subprime	subprime	ADJ
inlawrev-3950	172	3	lending	lending	NOUN
inlawrev-3950	172	4	crisis	crisis	NOUN
inlawrev-3950	172	5	,	,	PUNCT
inlawrev-3950	172	6	supra	supra	PROPN
inlawrev-3950	172	7	note	note	NOUN
inlawrev-3950	172	8	2	2	NUM
inlawrev-3950	172	9	1	1	NUM
inlawrev-3950	172	10	,	,	PUNCT
inlawrev-3950	172	11	at	at	ADP
inlawrev-3950	172	12	2	2	NUM
inlawrev-3950	172	13	.	.	NOUN
inlawrev-3950	172	14	46	46	NUM
inlawrev-3950	172	15	.	.	PUNCT
inlawrev-3950	173	1	see	see	VERB
inlawrev-3950	173	2	curbingpredatoryhomelending	curbingpredatoryhomelending	NOUN
inlawrev-3950	173	3	,	,	PUNCT
inlawrev-3950	173	4	supra	supra	PROPN
inlawrev-3950	173	5	note	note	NOUN
inlawrev-3950	173	6	44	44	NUM
inlawrev-3950	173	7	,	,	PUNCT
inlawrev-3950	173	8	at	at	ADP
inlawrev-3950	173	9	1	1	NUM
inlawrev-3950	173	10	;	;	PUNCT
inlawrev-3950	173	11	schloemer	schloemer	VERB
inlawrev-3950	173	12	et	et	PROPN
inlawrev-3950	173	13	al	al	PROPN
inlawrev-3950	173	14	.	.	PROPN
inlawrev-3950	173	15	,	,	PUNCT
inlawrev-3950	173	16	supra	supra	PROPN
inlawrev-3950	173	17	note	note	PROPN
inlawrev-3950	173	18	27	27	NUM
inlawrev-3950	173	19	,	,	PUNCT
inlawrev-3950	173	20	at	at	ADP
inlawrev-3950	173	21	3	3	NUM
inlawrev-3950	173	22	-	-	SYM
inlawrev-3950	173	23	4	4	NUM
inlawrev-3950	173	24	.	.	X
inlawrev-3950	173	25	47	47	NUM
inlawrev-3950	173	26	.	.	PUNCT
inlawrev-3950	174	1	schloemer	schloemer	VERB
inlawrev-3950	174	2	et	et	PROPN
inlawrev-3950	174	3	al	al	PROPN
inlawrev-3950	174	4	.	.	PROPN
inlawrev-3950	174	5	,	,	PUNCT
inlawrev-3950	174	6	supra	supra	PROPN
inlawrev-3950	174	7	note	note	PROPN
inlawrev-3950	174	8	27	27	NUM
inlawrev-3950	174	9	,	,	PUNCT
inlawrev-3950	174	10	at	at	ADP
inlawrev-3950	174	11	3	3	NUM
inlawrev-3950	174	12	-	-	SYM
inlawrev-3950	174	13	4	4	NUM
inlawrev-3950	174	14	.	.	NUM
inlawrev-3950	174	15	48	48	NUM
inlawrev-3950	174	16	.	.	PUNCT
inlawrev-3950	175	1	amaad	amaad	VERB
inlawrev-3950	175	2	rivera	rivera	PROPN
inlawrev-3950	175	3	et	et	PROPN
inlawrev-3950	175	4	al	al	PROPN
inlawrev-3950	175	5	..	..	PROPN
inlawrev-3950	175	6	united	unite	VERB
inlawrev-3950	175	7	for	for	ADP
inlawrev-3950	175	8	a	a	DET
inlawrev-3950	175	9	fair	fair	ADJ
inlawrev-3950	175	10	economy	economy	NOUN
inlawrev-3950	175	11	,	,	PUNCT
inlawrev-3950	175	12	foreclosed	foreclose	VERB
inlawrev-3950	175	13	:	:	PUNCT
inlawrev-3950	175	14	state	state	NOUN
inlawrev-3950	175	15	of	of	ADP
inlawrev-3950	175	16	the	the	DET
inlawrev-3950	175	17	dream	dream	NOUN
inlawrev-3950	175	18	2008	2008	NUM
inlawrev-3950	175	19	,	,	PUNCT
inlawrev-3950	175	20	at	at	ADP
inlawrev-3950	175	21	vii	vii	PROPN
inlawrev-3950	175	22	(	(	PUNCT
inlawrev-3950	175	23	2008	2008	NUM
inlawrev-3950	175	24	)	)	PUNCT
inlawrev-3950	175	25	,	,	PUNCT
inlawrev-3950	175	26	http://www.faireconomy.org/files/stateofdream_0l16.08_web.pdf	http://www.faireconomy.org/files/stateofdream_0l16.08_web.pdf	PROPN
inlawrev-3950	175	27	.	.	NOUN
inlawrev-3950	175	28	49	49	NUM
inlawrev-3950	175	29	.	.	PUNCT
inlawrev-3950	176	1	bait	bait	NOUN
inlawrev-3950	176	2	.	.	PUNCT
inlawrev-3950	177	1	complaint	complaint	NOUN
inlawrev-3950	177	2	,	,	PUNCT
inlawrev-3950	177	3	supra	supra	PROPN
inlawrev-3950	177	4	note	note	PROPN
inlawrev-3950	177	5	10	10	NUM
inlawrev-3950	177	6	,	,	PUNCT
inlawrev-3950	177	7	f	f	PROPN
inlawrev-3950	177	8	34	34	NUM
inlawrev-3950	177	9	.	.	PROPN
inlawrev-3950	177	10	50	50	NUM
inlawrev-3950	177	11	.	.	PUNCT
inlawrev-3950	178	1	see	see	VERB
inlawrev-3950	178	2	,	,	PUNCT
inlawrev-3950	178	3	e.g.	e.g.	ADV
inlawrev-3950	178	4	,	,	PUNCT
inlawrev-3950	178	5	i	i	PROPN
inlawrev-3950	178	6	d.	d.	PROPN
inlawrev-3950	178	7	51	51	NUM
inlawrev-3950	178	8	.	.	PUNCT
inlawrev-3950	179	1	see	see	VERB
inlawrev-3950	179	2	,	,	PUNCT
inlawrev-3950	179	3	e.g.	e.g.	ADV
inlawrev-3950	179	4	,	,	PUNCT
inlawrev-3950	179	5	hargraves	hargrave	NOUN
inlawrev-3950	179	6	v.	v.	ADP
inlawrev-3950	179	7	capital	capital	PROPN
inlawrev-3950	179	8	city	city	PROPN
inlawrev-3950	179	9	mortgage	mortgage	PROPN
inlawrev-3950	179	10	corp	corp	PROPN
inlawrev-3950	179	11	.	.	PROPN
inlawrev-3950	179	12	,	,	PUNCT
inlawrev-3950	179	13	140	140	NUM
inlawrev-3950	179	14	f.	f.	PROPN
inlawrev-3950	179	15	supp	supp	PROPN
inlawrev-3950	179	16	.	.	PUNCT
inlawrev-3950	180	1	2d	2d	PROPN
inlawrev-3950	180	2	7	7	NUM
inlawrev-3950	180	3	,	,	PUNCT
inlawrev-3950	180	4	20	20	NUM
inlawrev-3950	180	5	(	(	PUNCT
inlawrev-3950	180	6	d.d.c	d.d.c	PROPN
inlawrev-3950	180	7	.	.	PROPN
inlawrev-3950	180	8	2000	2000	NUM
inlawrev-3950	180	9	)	)	PUNCT
inlawrev-3950	180	10	.	.	PUNCT
inlawrev-3950	181	1	52	52	NUM
inlawrev-3950	181	2	.	.	PUNCT
inlawrev-3950	182	1	see	see	VERB
inlawrev-3950	182	2	,	,	PUNCT
inlawrev-3950	182	3	e.g.	e.g.	ADV
inlawrev-3950	182	4	,	,	PUNCT
inlawrev-3950	182	5	i	i	PRON
inlawrev-3950	182	6	d.	d.	PROPN
inlawrev-3950	182	7	53	53	NUM
inlawrev-3950	182	8	.	.	PUNCT
inlawrev-3950	183	1	see	see	VERB
inlawrev-3950	183	2	,	,	PUNCT
inlawrev-3950	183	3	e.g.	e.g.	ADV
inlawrev-3950	183	4	,	,	PUNCT
inlawrev-3950	183	5	barkley	barkley	PROPN
inlawrev-3950	183	6	v.	v.	ADP
inlawrev-3950	183	7	olympia	olympia	PROPN
inlawrev-3950	183	8	mortgage	mortgage	PROPN
inlawrev-3950	183	9	co.	co.	PROPN
inlawrev-3950	183	10	,	,	PUNCT
inlawrev-3950	183	11	2007	2007	NUM
inlawrev-3950	183	12	wl	wl	NOUN
inlawrev-3950	183	13	2437810	2437810	NUM
inlawrev-3950	183	14	,	,	PUNCT
inlawrev-3950	183	15	at	at	ADP
inlawrev-3950	183	16	*	*	PROPN
inlawrev-3950	183	17	13	13	NUM
inlawrev-3950	183	18	-	-	SYM
inlawrev-3950	183	19	15	15	NUM
inlawrev-3950	183	20	(	(	PUNCT
inlawrev-3950	183	21	e.d.n.y	e.d.n.y	PROPN
inlawrev-3950	183	22	.	.	PUNCT
inlawrev-3950	183	23	aug	aug	PROPN
inlawrev-3950	183	24	.	.	PROPN
inlawrev-3950	183	25	22	22	NUM
inlawrev-3950	183	26	,	,	PUNCT
inlawrev-3950	183	27	2007	2007	NUM
inlawrev-3950	183	28	)	)	PUNCT
inlawrev-3950	183	29	;	;	PUNCT
inlawrev-3950	183	30	hargraves	hargrave	NOUN
inlawrev-3950	183	31	,	,	PUNCT
inlawrev-3950	183	32	140	140	NUM
inlawrev-3950	183	33	f.	f.	PROPN
inlawrev-3950	183	34	supp	supp	PROPN
inlawrev-3950	183	35	.	.	PUNCT
inlawrev-3950	184	1	2d	2d	PROPN
inlawrev-3950	184	2	at	at	ADP
inlawrev-3950	184	3	20	20	NUM
inlawrev-3950	184	4	.	.	PUNCT
inlawrev-3950	184	5	2008	2008	NUM
inlawrev-3950	184	6	]	]	PUNCT
inlawrev-3950	185	1	future	future	NOUN
inlawrev-3950	185	2	of	of	ADP
inlawrev-3950	185	3	the	the	DET
inlawrev-3950	185	4	fair	fair	ADJ
inlawrev-3950	185	5	housing	housing	PROPN
inlawrev-3950	185	6	act	act	NOUN
inlawrev-3950	185	7	637	637	NUM
inlawrev-3950	185	8	first	first	ADV
inlawrev-3950	185	9	,	,	PUNCT
inlawrev-3950	185	10	the	the	DET
inlawrev-3950	185	11	practice	practice	NOUN
inlawrev-3950	185	12	afflicts	afflict	VERB
inlawrev-3950	185	13	cities	city	NOUN
inlawrev-3950	185	14	where	where	SCONJ
inlawrev-3950	185	15	minorities	minority	NOUN
inlawrev-3950	185	16	historically	historically	ADV
inlawrev-3950	185	17	have	have	AUX
inlawrev-3950	185	18	been	be	AUX
inlawrev-3950	185	19	denied	deny	VERB
inlawrev-3950	185	20	access	access	NOUN
inlawrev-3950	185	21	to	to	ADP
inlawrev-3950	185	22	credit	credit	NOUN
inlawrev-3950	185	23	and	and	CCONJ
inlawrev-3950	185	24	other	other	ADJ
inlawrev-3950	185	25	banking	banking	NOUN
inlawrev-3950	185	26	services	service	NOUN
inlawrev-3950	185	27	.	.	PUNCT
inlawrev-3950	186	1	the	the	DET
inlawrev-3950	186	2	legacy	legacy	NOUN
inlawrev-3950	186	3	of	of	ADP
inlawrev-3950	186	4	historic	historic	ADJ
inlawrev-3950	186	5	discrimination	discrimination	NOUN
inlawrev-3950	186	6	,	,	PUNCT
inlawrev-3950	186	7	or	or	CCONJ
inlawrev-3950	186	8	redlining	redlining	ADJ
inlawrev-3950	186	9	,	,	PUNCT
inlawrev-3950	186	10	often	often	ADV
inlawrev-3950	186	11	leaves	leave	VERB
inlawrev-3950	186	12	the	the	DET
inlawrev-3950	186	13	residents	resident	NOUN
inlawrev-3950	186	14	of	of	ADP
inlawrev-3950	186	15	minority	minority	NOUN
inlawrev-3950	186	16	communities	community	NOUN
inlawrev-3950	186	17	desperate	desperate	ADJ
inlawrev-3950	186	18	for	for	ADP
inlawrev-3950	186	19	credit	credit	NOUN
inlawrev-3950	186	20	,	,	PUNCT
inlawrev-3950	186	21	and	and	CCONJ
inlawrev-3950	186	22	without	without	ADP
inlawrev-3950	186	23	the	the	DET
inlawrev-3950	186	24	knowledge	knowledge	NOUN
inlawrev-3950	186	25	or	or	CCONJ
inlawrev-3950	186	26	experience	experience	NOUN
inlawrev-3950	186	27	required	require	VERB
inlawrev-3950	186	28	to	to	PART
inlawrev-3950	186	29	identify	identify	VERB
inlawrev-3950	186	30	loan	loan	NOUN
inlawrev-3950	186	31	products	product	NOUN
inlawrev-3950	186	32	and	and	CCONJ
inlawrev-3950	186	33	lenders	lender	NOUN
inlawrev-3950	186	34	offering	offer	VERB
inlawrev-3950	186	35	products	product	NOUN
inlawrev-3950	186	36	with	with	ADP
inlawrev-3950	186	37	the	the	DET
inlawrev-3950	186	38	most	most	ADV
inlawrev-3950	186	39	advantageous	advantageous	ADJ
inlawrev-3950	186	40	terms	term	NOUN
inlawrev-3950	186	41	for	for	ADP
inlawrev-3950	186	42	which	which	PRON
inlawrev-3950	186	43	they	they	PRON
inlawrev-3950	186	44	might	might	AUX
inlawrev-3950	186	45	qualify	qualify	VERB
inlawrev-3950	186	46	.	.	PUNCT
inlawrev-3950	187	1	instead	instead	ADV
inlawrev-3950	187	2	,	,	PUNCT
inlawrev-3950	187	3	residents	resident	NOUN
inlawrev-3950	187	4	of	of	ADP
inlawrev-3950	187	5	underserved	underserved	ADJ
inlawrev-3950	187	6	minority	minority	NOUN
inlawrev-3950	187	7	communities	community	NOUN
inlawrev-3950	187	8	often	often	ADV
inlawrev-3950	187	9	respond	respond	VERB
inlawrev-3950	187	10	favorably	favorably	ADV
inlawrev-3950	187	11	to	to	ADP
inlawrev-3950	187	12	the	the	DET
inlawrev-3950	187	13	first	first	ADJ
inlawrev-3950	187	14	offer	offer	NOUN
inlawrev-3950	187	15	of	of	ADP
inlawrev-3950	187	16	credit	credit	NOUN
inlawrev-3950	187	17	made	make	VERB
inlawrev-3950	187	18	,	,	PUNCT
inlawrev-3950	187	19	without	without	ADP
inlawrev-3950	187	20	regard	regard	NOUN
inlawrev-3950	187	21	to	to	ADP
inlawrev-3950	187	22	the	the	DET
inlawrev-3950	187	23	fairness	fairness	NOUN
inlawrev-3950	187	24	of	of	ADP
inlawrev-3950	187	25	the	the	DET
inlawrev-3950	187	26	product	product	NOUN
inlawrev-3950	187	27	.	.	PUNCT
inlawrev-3950	188	1	this	this	PRON
inlawrev-3950	188	2	makes	make	VERB
inlawrev-3950	188	3	them	they	PRON
inlawrev-3950	188	4	especially	especially	ADV
inlawrev-3950	188	5	vulnerable	vulnerable	ADJ
inlawrev-3950	188	6	to	to	ADP
inlawrev-3950	188	7	irresponsible	irresponsible	ADJ
inlawrev-3950	188	8	subprime	subprime	ADJ
inlawrev-3950	188	9	lenders	lender	NOUN
inlawrev-3950	188	10	who	who	PRON
inlawrev-3950	188	11	,	,	PUNCT
inlawrev-3950	188	12	instead	instead	ADV
inlawrev-3950	188	13	of	of	ADP
inlawrev-3950	188	14	underwriting	underwrite	VERB
inlawrev-3950	188	15	carefully	carefully	ADV
inlawrev-3950	188	16	to	to	PART
inlawrev-3950	188	17	ensure	ensure	VERB
inlawrev-3950	188	18	that	that	SCONJ
inlawrev-3950	188	19	the	the	DET
inlawrev-3950	188	20	loans	loan	NOUN
inlawrev-3950	188	21	they	they	PRON
inlawrev-3950	188	22	offer	offer	VERB
inlawrev-3950	188	23	are	be	AUX
inlawrev-3950	188	24	appropriate	appropriate	ADJ
inlawrev-3950	188	25	for	for	ADP
inlawrev-3950	188	26	their	their	PRON
inlawrev-3950	188	27	customers	customer	NOUN
inlawrev-3950	188	28	,	,	PUNCT
inlawrev-3950	188	29	engage	engage	VERB
inlawrev-3950	188	30	in	in	ADP
inlawrev-3950	188	31	the	the	DET
inlawrev-3950	188	32	unscrupulous	unscrupulous	ADJ
inlawrev-3950	188	33	lending	lending	NOUN
inlawrev-3950	188	34	practices.^"^	practices.^"^	NOUN
inlawrev-3950	188	35	second	second	ADJ
inlawrev-3950	188	36	,	,	PUNCT
inlawrev-3950	188	37	reverse	reverse	ADJ
inlawrev-3950	188	38	redlining	redlining	NOUN
inlawrev-3950	188	39	arises	arise	VERB
inlawrev-3950	188	40	in	in	ADP
inlawrev-3950	188	41	cities	city	NOUN
inlawrev-3950	188	42	where	where	SCONJ
inlawrev-3950	188	43	there	there	PRON
inlawrev-3950	188	44	are	be	VERB
inlawrev-3950	188	45	racially	racially	ADV
inlawrev-3950	188	46	segregated	segregate	VERB
inlawrev-3950	188	47	residential	residential	ADJ
inlawrev-3950	188	48	living	living	NOUN
inlawrev-3950	188	49	patterns	pattern	NOUN
inlawrev-3950	188	50	.	.	PUNCT
inlawrev-3950	189	1	this	this	PRON
inlawrev-3950	189	2	means	mean	VERB
inlawrev-3950	189	3	that	that	SCONJ
inlawrev-3950	189	4	the	the	DET
inlawrev-3950	189	5	people	people	NOUN
inlawrev-3950	189	6	who	who	PRON
inlawrev-3950	189	7	are	be	AUX
inlawrev-3950	189	8	most	most	ADV
inlawrev-3950	189	9	vulnerable	vulnerable	ADJ
inlawrev-3950	189	10	to	to	ADP
inlawrev-3950	189	11	abusive	abusive	ADJ
inlawrev-3950	189	12	lending	lending	NOUN
inlawrev-3950	189	13	practices	practice	NOUN
inlawrev-3950	189	14	are	be	AUX
inlawrev-3950	189	15	geographically	geographically	ADV
inlawrev-3950	189	16	concentrated	concentrated	ADJ
inlawrev-3950	189	17	and	and	CCONJ
inlawrev-3950	189	18	therefore	therefore	ADV
inlawrev-3950	189	19	easily	easily	ADV
inlawrev-3950	189	20	targeted	target	VERB
inlawrev-3950	189	21	by	by	ADP
inlawrev-3950	189	22	lenders	lender	NOUN
inlawrev-3950	189	23	.	.	PUNCT
inlawrev-3950	190	1	both	both	PRON
inlawrev-3950	190	2	of	of	ADP
inlawrev-3950	190	3	these	these	DET
inlawrev-3950	190	4	conditions	condition	NOUN
inlawrev-3950	190	5	are	be	AUX
inlawrev-3950	190	6	present	present	ADJ
inlawrev-3950	190	7	in	in	ADP
inlawrev-3950	190	8	baltimore	baltimore	PROPN
inlawrev-3950	190	9	.	.	PUNCT
inlawrev-3950	191	1	first	first	ADV
inlawrev-3950	191	2	,	,	PUNCT
inlawrev-3950	191	3	baltimore	baltimore	PROPN
inlawrev-3950	191	4	's	's	PART
inlawrev-3950	191	5	minority	minority	NOUN
inlawrev-3950	191	6	communities	community	NOUN
inlawrev-3950	191	7	historically	historically	ADV
inlawrev-3950	191	8	have	have	AUX
inlawrev-3950	191	9	been	be	AUX
inlawrev-3950	191	10	victimized	victimize	VERB
inlawrev-3950	191	11	by	by	ADP
inlawrev-3950	191	12	traditional	traditional	ADJ
inlawrev-3950	191	13	redlining	redlining	ADJ
inlawrev-3950	191	14	practices	practice	NOUN
inlawrev-3950	191	15	.	.	PUNCT
inlawrev-3950	192	1	through	through	ADP
inlawrev-3950	192	2	much	much	ADJ
inlawrev-3950	192	3	of	of	ADP
inlawrev-3950	192	4	the	the	DET
inlawrev-3950	192	5	twentieth	twentieth	ADJ
inlawrev-3950	192	6	century	century	NOUN
inlawrev-3950	192	7	the	the	DET
inlawrev-3950	192	8	federal	federal	ADJ
inlawrev-3950	192	9	government	government	NOUN
inlawrev-3950	192	10	,	,	PUNCT
inlawrev-3950	192	11	mortgage	mortgage	NOUN
inlawrev-3950	192	12	lenders	lender	NOUN
inlawrev-3950	192	13	,	,	PUNCT
inlawrev-3950	192	14	and	and	CCONJ
inlawrev-3950	192	15	other	other	ADJ
inlawrev-3950	192	16	private	private	ADJ
inlawrev-3950	192	17	participants	participant	NOUN
inlawrev-3950	192	18	in	in	ADP
inlawrev-3950	192	19	the	the	DET
inlawrev-3950	192	20	real	real	ADJ
inlawrev-3950	192	21	estate	estate	NOUN
inlawrev-3950	192	22	industry	industry	NOUN
inlawrev-3950	192	23	acted	act	VERB
inlawrev-3950	192	24	to	to	PART
inlawrev-3950	192	25	deny	deny	VERB
inlawrev-3950	192	26	homeownership	homeownership	NOUN
inlawrev-3950	192	27	opportunities	opportunity	NOUN
inlawrev-3950	192	28	and	and	CCONJ
inlawrev-3950	192	29	choices	choice	NOUN
inlawrev-3950	192	30	to	to	ADP
inlawrev-3950	192	31	the	the	DET
inlawrev-3950	192	32	city	city	NOUN
inlawrev-3950	192	33	's	's	PART
inlawrev-3950	192	34	africanamericans.^^	africanamericans.^^	PUNCT
inlawrev-3950	192	35	the	the	DET
inlawrev-3950	192	36	practice	practice	NOUN
inlawrev-3950	192	37	and	and	CCONJ
inlawrev-3950	192	38	effects	effect	NOUN
inlawrev-3950	192	39	of	of	ADP
inlawrev-3950	192	40	widespread	widespread	ADJ
inlawrev-3950	192	41	redlining	redlining	NOUN
inlawrev-3950	192	42	in	in	ADP
inlawrev-3950	192	43	baltimore	baltimore	PROPN
inlawrev-3950	192	44	persisted	persist	VERB
inlawrev-3950	192	45	for	for	ADP
inlawrev-3950	192	46	decades.^^	decades.^^	NOUN
inlawrev-3950	192	47	an	an	DET
inlawrev-3950	192	48	analysis	analysis	NOUN
inlawrev-3950	192	49	of	of	ADP
inlawrev-3950	192	50	data	datum	NOUN
inlawrev-3950	192	51	from	from	ADP
inlawrev-3950	192	52	the	the	DET
inlawrev-3950	192	53	1980s	1980	NOUN
inlawrev-3950	192	54	,	,	PUNCT
inlawrev-3950	192	55	long	long	ADV
inlawrev-3950	192	56	after	after	SCONJ
inlawrev-3950	192	57	much	much	ADJ
inlawrev-3950	192	58	of	of	ADP
inlawrev-3950	192	59	the	the	DET
inlawrev-3950	192	60	institutionalized	institutionalize	VERB
inlawrev-3950	192	61	governmental	governmental	ADJ
inlawrev-3950	192	62	and	and	CCONJ
inlawrev-3950	192	63	corporate	corporate	ADJ
inlawrev-3950	192	64	apparatus	apparatus	NOUN
inlawrev-3950	192	65	ofdiscrimination	ofdiscrimination	NOUN
inlawrev-3950	192	66	had	have	AUX
inlawrev-3950	192	67	been	be	AUX
inlawrev-3950	192	68	dismantled	dismantle	VERB
inlawrev-3950	192	69	,	,	PUNCT
inlawrev-3950	192	70	found	find	VERB
inlawrev-3950	192	71	that	that	SCONJ
inlawrev-3950	192	72	the	the	DET
inlawrev-3950	192	73	more	more	ADV
inlawrev-3950	192	74	african	african	ADJ
inlawrev-3950	192	75	-	-	PUNCT
inlawrev-3950	192	76	american	american	ADJ
inlawrev-3950	192	77	residents	resident	NOUN
inlawrev-3950	192	78	in	in	ADP
inlawrev-3950	192	79	a	a	DET
inlawrev-3950	192	80	baltimore	baltimore	PROPN
inlawrev-3950	192	81	neighborhood	neighborhood	NOUN
inlawrev-3950	192	82	,	,	PUNCT
inlawrev-3950	192	83	the	the	DET
inlawrev-3950	192	84	fewer	few	ADJ
inlawrev-3950	192	85	mortgage	mortgage	NOUN
inlawrev-3950	192	86	loans	loan	NOUN
inlawrev-3950	192	87	and	and	CCONJ
inlawrev-3950	192	88	dollars	dollar	NOUN
inlawrev-3950	192	89	the	the	DET
inlawrev-3950	192	90	neighborhood	neighborhood	NOUN
inlawrev-3950	192	91	received.^^	received.^^	ADJ
inlawrev-3950	192	92	the	the	DET
inlawrev-3950	192	93	same	same	ADJ
inlawrev-3950	192	94	study	study	NOUN
inlawrev-3950	192	95	also	also	ADV
inlawrev-3950	192	96	found	find	VERB
inlawrev-3950	192	97	that	that	SCONJ
inlawrev-3950	192	98	while	while	SCONJ
inlawrev-3950	192	99	73	73	NUM
inlawrev-3950	192	100	%	%	NOUN
inlawrev-3950	192	101	of	of	ADP
inlawrev-3950	192	102	majority	majority	NOUN
inlawrev-3950	192	103	white	white	PROPN
inlawrev-3950	192	104	census	census	PROPN
inlawrev-3950	192	105	tracts	tract	NOUN
inlawrev-3950	192	106	received	receive	VERB
inlawrev-3950	192	107	a	a	DET
inlawrev-3950	192	108	medium	medium	ADJ
inlawrev-3950	192	109	or	or	CCONJ
inlawrev-3950	192	110	high	high	ADJ
inlawrev-3950	192	111	volume	volume	NOUN
inlawrev-3950	192	112	of	of	ADP
inlawrev-3950	192	113	single	single	ADJ
inlawrev-3950	192	114	family	family	NOUN
inlawrev-3950	192	115	mortgage	mortgage	NOUN
inlawrev-3950	192	116	loans	loan	NOUN
inlawrev-3950	192	117	,	,	PUNCT
inlawrev-3950	192	118	the	the	DET
inlawrev-3950	192	119	same	same	ADJ
inlawrev-3950	192	120	was	be	AUX
inlawrev-3950	192	121	true	true	ADJ
inlawrev-3950	192	122	of	of	ADP
inlawrev-3950	192	123	only	only	ADV
inlawrev-3950	192	124	5	5	NUM
inlawrev-3950	192	125	%	%	NOUN
inlawrev-3950	192	126	of	of	ADP
inlawrev-3950	192	127	majority	majority	NOUN
inlawrev-3950	192	128	african	african	ADJ
inlawrev-3950	192	129	-	-	PUNCT
inlawrev-3950	192	130	american	american	ADJ
inlawrev-3950	192	131	tracts	tract	NOUN
inlawrev-3950	192	132	.	.	PUNCT
inlawrev-3950	192	133	^^	^^	PUNCT
inlawrev-3950	193	1	second	second	X
inlawrev-3950	193	2	,	,	PUNCT
inlawrev-3950	193	3	the	the	DET
inlawrev-3950	193	4	city	city	NOUN
inlawrev-3950	193	5	is	be	AUX
inlawrev-3950	193	6	highly	highly	ADV
inlawrev-3950	193	7	segregated	segregate	VERB
inlawrev-3950	193	8	between	between	ADP
inlawrev-3950	193	9	african	african	ADJ
inlawrev-3950	193	10	americans	americans	PROPN
inlawrev-3950	193	11	and	and	CCONJ
inlawrev-3950	193	12	whites	white	NOUN
inlawrev-3950	193	13	.	.	PUNCT
inlawrev-3950	194	1	even	even	ADV
inlawrev-3950	194	2	though	though	SCONJ
inlawrev-3950	194	3	baltimore	baltimore	PROPN
inlawrev-3950	194	4	is	be	AUX
inlawrev-3950	194	5	64	64	NUM
inlawrev-3950	194	6	%	%	NOUN
inlawrev-3950	194	7	african	african	ADJ
inlawrev-3950	194	8	-	-	PUNCT
inlawrev-3950	194	9	american	american	ADJ
inlawrev-3950	194	10	and	and	CCONJ
inlawrev-3950	194	11	32	32	NUM
inlawrev-3950	194	12	%	%	NOUN
inlawrev-3950	194	13	white	white	ADJ
inlawrev-3950	194	14	,	,	PUNCT
inlawrev-3950	194	15	many	many	ADJ
inlawrev-3950	194	16	neighborhoods	neighborhood	NOUN
inlawrev-3950	194	17	have	have	VERB
inlawrev-3950	194	18	a	a	DET
inlawrev-3950	194	19	much	much	ADV
inlawrev-3950	194	20	higher	high	ADJ
inlawrev-3950	194	21	concentration	concentration	NOUN
inlawrev-3950	194	22	of	of	ADP
inlawrev-3950	194	23	one	one	NUM
inlawrev-3950	194	24	racial	racial	ADJ
inlawrev-3950	194	25	group	group	NOUN
inlawrev-3950	194	26	or	or	CCONJ
inlawrev-3950	194	27	the	the	DET
inlawrev-3950	194	28	54	54	NUM
inlawrev-3950	194	29	.	.	PUNCT
inlawrev-3950	195	1	see	see	VERB
inlawrev-3950	195	2	supra	supra	PROPN
inlawrev-3950	195	3	note	note	PROPN
inlawrev-3950	195	4	44	44	NUM
inlawrev-3950	195	5	and	and	CCONJ
inlawrev-3950	195	6	accompanying	accompany	VERB
inlawrev-3950	195	7	text	text	NOUN
inlawrev-3950	195	8	.	.	PUNCT
inlawrev-3950	196	1	55	55	NUM
inlawrev-3950	196	2	.	.	PUNCT
inlawrev-3950	197	1	the	the	DET
inlawrev-3950	197	2	secretary	secretary	NOUN
inlawrev-3950	197	3	of	of	ADP
inlawrev-3950	197	4	the	the	DET
inlawrev-3950	197	5	united	united	PROPN
inlawrev-3950	197	6	states	states	PROPN
inlawrev-3950	197	7	department	department	PROPN
inlawrev-3950	197	8	of	of	ADP
inlawrev-3950	197	9	housing	housing	PROPN
inlawrev-3950	197	10	and	and	CCONJ
inlawrev-3950	197	11	urban	urban	PROPN
inlawrev-3950	197	12	development	development	NOUN
inlawrev-3950	197	13	admitted	admit	VERB
inlawrev-3950	197	14	in	in	ADP
inlawrev-3950	197	15	1970	1970	NUM
inlawrev-3950	197	16	that	that	SCONJ
inlawrev-3950	197	17	the	the	DET
inlawrev-3950	197	18	federal	federal	ADJ
inlawrev-3950	197	19	government	government	NOUN
inlawrev-3950	197	20	had	have	AUX
inlawrev-3950	197	21	"	"	PUNCT
inlawrev-3950	197	22	refus[ed	refus[ed	PROPN
inlawrev-3950	197	23	]	]	PUNCT
inlawrev-3950	197	24	to	to	PART
inlawrev-3950	197	25	provide	provide	VERB
inlawrev-3950	197	26	insurance	insurance	NOUN
inlawrev-3950	197	27	in	in	ADP
inlawrev-3950	197	28	integrated	integrate	VERB
inlawrev-3950	197	29	neighborhoods	neighborhood	NOUN
inlawrev-3950	197	30	,	,	PUNCT
inlawrev-3950	197	31	promot[ed	promot[ed	PROPN
inlawrev-3950	197	32	]	]	PUNCT
inlawrev-3950	197	33	the	the	DET
inlawrev-3950	197	34	use	use	NOUN
inlawrev-3950	197	35	ofracially	ofracially	ADV
inlawrev-3950	197	36	restrictive	restrictive	ADJ
inlawrev-3950	197	37	covenants	covenant	NOUN
inlawrev-3950	197	38	,	,	PUNCT
inlawrev-3950	197	39	"	"	PUNCT
inlawrev-3950	197	40	and	and	CCONJ
inlawrev-3950	197	41	engaged	engage	VERB
inlawrev-3950	197	42	in	in	ADP
inlawrev-3950	197	43	other	other	ADJ
inlawrev-3950	197	44	methods	method	NOUN
inlawrev-3950	197	45	of	of	ADP
inlawrev-3950	197	46	redlining	redline	VERB
inlawrev-3950	197	47	.	.	PUNCT
inlawrev-3950	198	1	thompson	thompson	PROPN
inlawrev-3950	198	2	v.	v.	PROPN
inlawrev-3950	198	3	hud	hud	PROPN
inlawrev-3950	198	4	,	,	PUNCT
inlawrev-3950	198	5	348	348	NUM
inlawrev-3950	198	6	f.	f.	PROPN
inlawrev-3950	198	7	supp	supp	PROPN
inlawrev-3950	198	8	.	.	PUNCT
inlawrev-3950	199	1	2d	2d	PROPN
inlawrev-3950	199	2	398	398	NUM
inlawrev-3950	199	3	,	,	PUNCT
inlawrev-3950	199	4	466	466	NUM
inlawrev-3950	199	5	(	(	PUNCT
inlawrev-3950	199	6	d.	d.	PROPN
inlawrev-3950	199	7	md	md	PROPN
inlawrev-3950	199	8	.	.	PROPN
inlawrev-3950	199	9	2005	2005	NUM
inlawrev-3950	199	10	)	)	PUNCT
inlawrev-3950	199	11	.	.	PUNCT
inlawrev-3950	200	1	the	the	DET
inlawrev-3950	200	2	federal	federal	ADJ
inlawrev-3950	200	3	government	government	NOUN
inlawrev-3950	200	4	even	even	ADV
inlawrev-3950	200	5	published	publish	VERB
inlawrev-3950	200	6	a	a	DET
inlawrev-3950	200	7	map	map	NOUN
inlawrev-3950	200	8	in	in	ADP
inlawrev-3950	200	9	1	1	NUM
inlawrev-3950	200	10	937	937	NUM
inlawrev-3950	200	11	titled	title	VERB
inlawrev-3950	200	12	"	"	PUNCT
inlawrev-3950	200	13	residential	residential	ADJ
inlawrev-3950	200	14	security	security	NOUN
inlawrev-3950	200	15	map	map	NOUN
inlawrev-3950	200	16	for	for	ADP
inlawrev-3950	200	17	baltimore	baltimore	PROPN
inlawrev-3950	200	18	"	"	PUNCT
inlawrev-3950	200	19	designed	design	VERB
inlawrev-3950	200	20	to	to	PART
inlawrev-3950	200	21	facilitate	facilitate	VERB
inlawrev-3950	200	22	private	private	ADJ
inlawrev-3950	200	23	redlining	redlining	NOUN
inlawrev-3950	200	24	by	by	ADP
inlawrev-3950	200	25	mortgage	mortgage	NOUN
inlawrev-3950	200	26	providers	provider	NOUN
inlawrev-3950	200	27	.	.	PUNCT
inlawrev-3950	201	1	i	i	PRON
inlawrev-3950	201	2	d.	d.	PROPN
inlawrev-3950	201	3	at	at	ADP
inlawrev-3950	201	4	471	471	NUM
inlawrev-3950	201	5	.	.	PUNCT
inlawrev-3950	202	1	mortgage	mortgage	NOUN
inlawrev-3950	202	2	lenders	lender	NOUN
inlawrev-3950	202	3	actively	actively	ADV
inlawrev-3950	202	4	engaged	engage	VERB
inlawrev-3950	202	5	in	in	ADP
inlawrev-3950	202	6	redlining	redline	VERB
inlawrev-3950	202	7	for	for	ADP
inlawrev-3950	202	8	decades	decade	NOUN
inlawrev-3950	202	9	,	,	PUNCT
inlawrev-3950	202	10	treating	treat	VERB
inlawrev-3950	202	11	"	"	PUNCT
inlawrev-3950	202	12	black	black	ADJ
inlawrev-3950	202	13	and	and	CCONJ
inlawrev-3950	202	14	[	[	X
inlawrev-3950	202	15	the	the	DET
inlawrev-3950	202	16	few	few	ADJ
inlawrev-3950	202	17	]	]	PUNCT
inlawrev-3950	202	18	integrated	integrate	VERB
inlawrev-3950	202	19	neighborhoods	neighborhood	NOUN
inlawrev-3950	202	20	as	as	ADP
inlawrev-3950	202	21	unstable	unstable	ADJ
inlawrev-3950	202	22	and	and	CCONJ
inlawrev-3950	202	23	risky	risky	ADJ
inlawrev-3950	202	24	.	.	PUNCT
inlawrev-3950	202	25	"	"	PUNCT
inlawrev-3950	203	1	garrett	garrett	PROPN
inlawrev-3950	203	2	power	power	PROPN
inlawrev-3950	203	3	,	,	PUNCT
inlawrev-3950	203	4	apartheid	apartheid	NOUN
inlawrev-3950	203	5	baltimore	baltimore	PROPN
inlawrev-3950	203	6	style	style	NOUN
inlawrev-3950	203	7	:	:	PUNCT
inlawrev-3950	203	8	the	the	DET
inlawrev-3950	203	9	residential	residential	ADJ
inlawrev-3950	203	10	segregation	segregation	NOUN
inlawrev-3950	203	11	ordinances	ordinance	NOUN
inlawrev-3950	203	12	of	of	ADP
inlawrev-3950	203	13	1910	1910	NUM
inlawrev-3950	203	14	-	-	SYM
inlawrev-3950	203	15	1913	1913	NUM
inlawrev-3950	203	16	,	,	PUNCT
inlawrev-3950	203	17	42	42	NUM
inlawrev-3950	203	18	md	md	PROPN
inlawrev-3950	203	19	.	.	PUNCT
inlawrev-3950	204	1	l.	l.	PROPN
inlawrev-3950	204	2	rev	rev	PROPN
inlawrev-3950	204	3	.	.	PROPN
inlawrev-3950	204	4	289	289	NUM
inlawrev-3950	204	5	,	,	PUNCT
inlawrev-3950	204	6	319	319	NUM
inlawrev-3950	204	7	(	(	PUNCT
inlawrev-3950	204	8	1983	1983	NUM
inlawrev-3950	204	9	)	)	PUNCT
inlawrev-3950	204	10	.	.	PUNCT
inlawrev-3950	205	1	56	56	NUM
inlawrev-3950	205	2	.	.	PUNCT
inlawrev-3950	205	3	power	power	NOUN
inlawrev-3950	205	4	,	,	PUNCT
inlawrev-3950	205	5	supra	supra	PROPN
inlawrev-3950	205	6	note	note	PROPN
inlawrev-3950	205	7	55	55	NUM
inlawrev-3950	205	8	,	,	PUNCT
inlawrev-3950	205	9	at	at	ADP
inlawrev-3950	205	10	320	320	NUM
inlawrev-3950	205	11	.	.	PUNCT
inlawrev-3950	205	12	57	57	NUM
inlawrev-3950	205	13	.	.	PUNCT
inlawrev-3950	206	1	anneb	anneb	NOUN
inlawrev-3950	206	2	.	.	PUNCT
inlawrev-3950	207	1	shlay	shlay	PROPN
inlawrev-3950	207	2	,	,	PUNCT
inlawrev-3950	207	3	md	md	PROPN
inlawrev-3950	207	4	.	.	PROPN
inlawrev-3950	207	5	alliancefor	alliancefor	PROPN
inlawrev-3950	207	6	responsmle	responsmle	NOUN
inlawrev-3950	207	7	inv	inv	VERB
inlawrev-3950	207	8	.	.	PUNCT
inlawrev-3950	207	9	,	,	PUNCT
inlawrev-3950	207	10	maintainingthe	maintainingthe	PRON
inlawrev-3950	207	11	divided	divided	ADJ
inlawrev-3950	207	12	city	city	NOUN
inlawrev-3950	207	13	:	:	PUNCT
inlawrev-3950	207	14	residential	residential	ADJ
inlawrev-3950	207	15	lending	lending	NOUN
inlawrev-3950	207	16	patterns	pattern	NOUN
inlawrev-3950	207	17	in	in	ADP
inlawrev-3950	207	18	the	the	DET
inlawrev-3950	207	19	baltimore	baltimore	PROPN
inlawrev-3950	207	20	smsa	smsa	PROPN
inlawrev-3950	207	21	44	44	NUM
inlawrev-3950	207	22	(	(	PUNCT
inlawrev-3950	207	23	1987	1987	NUM
inlawrev-3950	207	24	)	)	PUNCT
inlawrev-3950	207	25	.	.	PUNCT
inlawrev-3950	208	1	58	58	NUM
inlawrev-3950	208	2	.	.	PUNCT
inlawrev-3950	208	3	mat	mat	PROPN
inlawrev-3950	208	4	36	36	NUM
inlawrev-3950	208	5	.	.	PUNCT
inlawrev-3950	208	6	638	638	NUM
inlawrev-3950	208	7	indiana	indiana	PROPN
inlawrev-3950	208	8	law	law	NOUN
inlawrev-3950	208	9	review	review	NOUN
inlawrev-3950	209	1	[	[	X
inlawrev-3950	209	2	vol	vol	NOUN
inlawrev-3950	209	3	.	.	PUNCT
inlawrev-3950	209	4	41	41	NUM
inlawrev-3950	209	5	:	:	PUNCT
inlawrev-3950	209	6	629	629	NUM
inlawrev-3950	209	7	other.^^	other.^^	NOUN
inlawrev-3950	209	8	n.	n.	PROPN
inlawrev-3950	209	9	baltimore	baltimore	PROPN
inlawrev-3950	209	10	's	's	PART
inlawrev-3950	209	11	allegations	allegation	NOUN
inlawrev-3950	209	12	against	against	ADP
inlawrev-3950	209	13	wells	wells	PROPN
inlawrev-3950	209	14	fargo	fargo	PROPN
inlawrev-3950	209	15	against	against	ADP
inlawrev-3950	209	16	this	this	DET
inlawrev-3950	209	17	backdrop	backdrop	NOUN
inlawrev-3950	209	18	of	of	ADP
inlawrev-3950	209	19	mounting	mount	VERB
inlawrev-3950	209	20	foreclosures	foreclosure	NOUN
inlawrev-3950	209	21	and	and	CCONJ
inlawrev-3950	209	22	damage	damage	NOUN
inlawrev-3950	209	23	to	to	ADP
inlawrev-3950	209	24	baltimore	baltimore	PROPN
inlawrev-3950	209	25	's	's	PART
inlawrev-3950	209	26	african	african	ADJ
inlawrev-3950	209	27	-	-	PUNCT
inlawrev-3950	209	28	american	american	ADJ
inlawrev-3950	209	29	neighborhoods	neighborhood	NOUN
inlawrev-3950	209	30	,	,	PUNCT
inlawrev-3950	209	31	in	in	ADP
inlawrev-3950	209	32	january	january	PROPN
inlawrev-3950	209	33	2008	2008	NUM
inlawrev-3950	209	34	the	the	DET
inlawrev-3950	209	35	city	city	NOUN
inlawrev-3950	209	36	of	of	ADP
inlawrev-3950	209	37	baltimore	baltimore	PROPN
inlawrev-3950	209	38	filed	file	VERB
inlawrev-3950	209	39	suit	suit	NOUN
inlawrev-3950	209	40	against	against	ADP
inlawrev-3950	209	41	one	one	NUM
inlawrev-3950	209	42	particular	particular	ADJ
inlawrev-3950	209	43	lender	lender	NOUN
inlawrev-3950	209	44	with	with	ADP
inlawrev-3950	209	45	a	a	DET
inlawrev-3950	209	46	large	large	ADJ
inlawrev-3950	209	47	presence	presence	NOUN
inlawrev-3950	209	48	across	across	ADP
inlawrev-3950	209	49	the	the	DET
inlawrev-3950	209	50	city	city	NOUN
inlawrev-3950	209	51	—	—	PUNCT
inlawrev-3950	209	52	wells	wells	PROPN
inlawrev-3950	209	53	fargo.^^	fargo.^^	PUNCT
inlawrev-3950	210	1	at	at	ADP
inlawrev-3950	210	2	the	the	DET
inlawrev-3950	210	3	heart	heart	NOUN
inlawrev-3950	210	4	of	of	ADP
inlawrev-3950	210	5	the	the	DET
inlawrev-3950	210	6	complaint	complaint	NOUN
inlawrev-3950	210	7	rests	rest	VERB
inlawrev-3950	210	8	the	the	DET
inlawrev-3950	210	9	allegation	allegation	NOUN
inlawrev-3950	210	10	that	that	SCONJ
inlawrev-3950	210	11	wells	wells	PROPN
inlawrev-3950	210	12	fargo	fargo	PROPN
inlawrev-3950	210	13	has	have	AUX
inlawrev-3950	210	14	''	''	PUNCT
inlawrev-3950	210	15	engaged	engage	VERB
inlawrev-3950	210	16	in	in	ADP
inlawrev-3950	210	17	a	a	DET
inlawrev-3950	210	18	pattern	pattern	NOUN
inlawrev-3950	210	19	and	and	CCONJ
inlawrev-3950	210	20	practice	practice	VERB
inlawrev-3950	210	21	ofunfair	ofunfair	ADJ
inlawrev-3950	210	22	,	,	PUNCT
inlawrev-3950	210	23	deceptive	deceptive	ADJ
inlawrev-3950	210	24	and	and	CCONJ
inlawrev-3950	210	25	discriminatory	discriminatory	ADJ
inlawrev-3950	210	26	lending	lending	NOUN
inlawrev-3950	210	27	[	[	X
inlawrev-3950	210	28	practices	practice	NOUN
inlawrev-3950	210	29	]	]	PUNCT
inlawrev-3950	210	30	,	,	PUNCT
inlawrev-3950	210	31	"	"	PUNCT
inlawrev-3950	210	32	targeted	target	VERB
inlawrev-3950	210	33	at	at	ADP
inlawrev-3950	210	34	baltimore	baltimore	PROPN
inlawrev-3950	210	35	's	's	PART
inlawrev-3950	210	36	african	african	ADJ
inlawrev-3950	210	37	-	-	PUNCT
inlawrev-3950	210	38	american	american	ADJ
inlawrev-3950	210	39	neighborhoods	neighborhood	NOUN
inlawrev-3950	210	40	,	,	PUNCT
inlawrev-3950	210	41	that	that	PRON
inlawrev-3950	210	42	has	have	AUX
inlawrev-3950	210	43	resulted	result	VERB
inlawrev-3950	210	44	in	in	ADP
inlawrev-3950	210	45	disproportionately	disproportionately	ADV
inlawrev-3950	210	46	high	high	ADJ
inlawrev-3950	210	47	rates	rate	NOUN
inlawrev-3950	210	48	of	of	ADP
inlawrev-3950	210	49	foreclosure	foreclosure	NOUN
inlawrev-3950	210	50	and	and	CCONJ
inlawrev-3950	210	51	consequent	consequent	ADJ
inlawrev-3950	210	52	financial	financial	ADJ
inlawrev-3950	210	53	damage	damage	NOUN
inlawrev-3950	210	54	in	in	ADP
inlawrev-3950	210	55	these	these	DET
inlawrev-3950	210	56	communities	community	NOUN
inlawrev-3950	210	57	,	,	PUNCT
inlawrev-3950	210	58	as	as	ADV
inlawrev-3950	210	59	well	well	ADV
inlawrev-3950	210	60	as	as	ADP
inlawrev-3950	210	61	direct	direct	ADJ
inlawrev-3950	210	62	and	and	CCONJ
inlawrev-3950	210	63	continuing	continue	VERB
inlawrev-3950	210	64	financial	financial	ADJ
inlawrev-3950	210	65	harm	harm	NOUN
inlawrev-3950	210	66	to	to	ADP
inlawrev-3950	210	67	the	the	DET
inlawrev-3950	210	68	city	city	NOUN
inlawrev-3950	210	69	of	of	ADP
inlawrev-3950	210	70	baltimore.^^	baltimore.^^	PROPN
inlawrev-3950	210	71	wells	wells	PROPN
inlawrev-3950	210	72	fargo	fargo	PROPN
inlawrev-3950	210	73	,	,	PUNCT
inlawrev-3950	210	74	in	in	ADP
inlawrev-3950	210	75	short	short	ADJ
inlawrev-3950	210	76	,	,	PUNCT
inlawrev-3950	210	77	is	be	AUX
inlawrev-3950	210	78	alleged	allege	VERB
inlawrev-3950	210	79	to	to	PART
inlawrev-3950	210	80	have	have	AUX
inlawrev-3950	210	81	engaged	engage	VERB
inlawrev-3950	210	82	in	in	ADP
inlawrev-3950	210	83	a	a	DET
inlawrev-3950	210	84	practice	practice	NOUN
inlawrev-3950	210	85	of	of	ADP
inlawrev-3950	210	86	"	"	PUNCT
inlawrev-3950	210	87	reverse	reverse	ADJ
inlawrev-3950	210	88	redlining	redline	VERB
inlawrev-3950	210	89	"	"	PUNCT
inlawrev-3950	210	90	that	that	PRON
inlawrev-3950	210	91	violates	violate	VERB
inlawrev-3950	210	92	the	the	DET
inlawrev-3950	210	93	fha.^^	fha.^^	PROPN
inlawrev-3950	210	94	a.	a.	NOUN
inlawrev-3950	210	95	wells	wells	PROPN
inlawrev-3950	210	96	fargo	fargo	PROPN
inlawrev-3950	210	97	's	's	PART
inlawrev-3950	210	98	foreclosure	foreclosure	NOUN
inlawrev-3950	210	99	rates	rate	NOUN
inlawrev-3950	210	100	baltimore	baltimore	PROPN
inlawrev-3950	210	101	's	's	PART
inlawrev-3950	210	102	complaint	complaint	NOUN
inlawrev-3950	210	103	raises	raise	VERB
inlawrev-3950	210	104	a	a	DET
inlawrev-3950	210	105	number	number	NOUN
inlawrev-3950	210	106	of	of	ADP
inlawrev-3950	210	107	specific	specific	ADJ
inlawrev-3950	210	108	factual	factual	ADJ
inlawrev-3950	210	109	allegations	allegation	NOUN
inlawrev-3950	210	110	about	about	ADP
inlawrev-3950	210	111	wells	well	NOUN
inlawrev-3950	210	112	's	's	PART
inlawrev-3950	210	113	lending	lending	NOUN
inlawrev-3950	210	114	practices	practice	NOUN
inlawrev-3950	210	115	based	base	VERB
inlawrev-3950	210	116	on	on	ADP
inlawrev-3950	210	117	the	the	DET
inlawrev-3950	210	118	type	type	NOUN
inlawrev-3950	210	119	and	and	CCONJ
inlawrev-3950	210	120	location	location	NOUN
inlawrev-3950	210	121	of	of	ADP
inlawrev-3950	210	122	its	its	PRON
inlawrev-3950	210	123	loans	loan	NOUN
inlawrev-3950	210	124	.	.	PUNCT
inlawrev-3950	211	1	first	first	ADV
inlawrev-3950	211	2	,	,	PUNCT
inlawrev-3950	211	3	the	the	DET
inlawrev-3950	211	4	city	city	NOUN
inlawrev-3950	211	5	contends	contend	VERB
inlawrev-3950	211	6	that	that	SCONJ
inlawrev-3950	211	7	,	,	PUNCT
inlawrev-3950	211	8	as	as	ADP
inlawrev-3950	211	9	one	one	NUM
inlawrev-3950	211	10	of	of	ADP
inlawrev-3950	211	11	baltimore	baltimore	PROPN
inlawrev-3950	211	12	's	's	PART
inlawrev-3950	211	13	largest	large	ADJ
inlawrev-3950	211	14	lenders	lender	NOUN
inlawrev-3950	211	15	.	.	PUNCT
inlawrev-3950	212	1	wells	wells	PROPN
inlawrev-3950	212	2	fargo	fargo	PROPN
inlawrev-3950	212	3	"	"	PUNCT
inlawrev-3950	212	4	has	have	AUX
inlawrev-3950	212	5	made	make	VERB
inlawrev-3950	212	6	at	at	ADP
inlawrev-3950	212	7	least	least	ADJ
inlawrev-3950	212	8	1285	1285	NUM
inlawrev-3950	212	9	mortgage	mortgage	NOUN
inlawrev-3950	212	10	loans	loan	NOUN
inlawrev-3950	212	11	in	in	ADP
inlawrev-3950	212	12	baltimore	baltimore	PROPN
inlawrev-3950	212	13	in	in	ADP
inlawrev-3950	212	14	each	each	PRON
inlawrev-3950	212	15	of	of	ADP
inlawrev-3950	212	16	the	the	DET
inlawrev-3950	212	17	last	last	ADJ
inlawrev-3950	212	18	three	three	NUM
inlawrev-3950	212	19	years	year	NOUN
inlawrev-3950	212	20	,	,	PUNCT
inlawrev-3950	212	21	with	with	ADP
inlawrev-3950	212	22	a	a	DET
inlawrev-3950	212	23	collective	collective	ADJ
inlawrev-3950	212	24	value	value	NOUN
inlawrev-3950	212	25	of	of	ADP
inlawrev-3950	212	26	over	over	ADP
inlawrev-3950	212	27	$	$	SYM
inlawrev-3950	212	28	600	600	NUM
inlawrev-3950	212	29	million	million	NUM
inlawrev-3950	212	30	.	.	PUNCT
inlawrev-3950	213	1	"^^	"^^	PROPN
inlawrev-3950	213	2	in	in	ADP
inlawrev-3950	213	3	each	each	PRON
inlawrev-3950	213	4	of	of	ADP
inlawrev-3950	213	5	these	these	DET
inlawrev-3950	213	6	years	year	NOUN
inlawrev-3950	213	7	,	,	PUNCT
inlawrev-3950	213	8	it	it	PRON
inlawrev-3950	213	9	has	have	AUX
inlawrev-3950	213	10	been	be	AUX
inlawrev-3950	213	11	one	one	NUM
inlawrev-3950	213	12	of	of	ADP
inlawrev-3950	213	13	the	the	DET
inlawrev-3950	213	14	top	top	ADJ
inlawrev-3950	213	15	two	two	NUM
inlawrev-3950	213	16	mortgage	mortgage	NOUN
inlawrev-3950	213	17	lenders	lender	NOUN
inlawrev-3950	213	18	in	in	ADP
inlawrev-3950	213	19	the	the	DET
inlawrev-3950	213	20	city	city	NOUN
inlawrev-3950	213	21	,	,	PUNCT
inlawrev-3950	213	22	making	make	VERB
inlawrev-3950	213	23	loans	loan	NOUN
inlawrev-3950	213	24	in	in	ADP
inlawrev-3950	213	25	both	both	CCONJ
inlawrev-3950	213	26	the	the	DET
inlawrev-3950	213	27	white	white	ADJ
inlawrev-3950	213	28	and	and	CCONJ
inlawrev-3950	213	29	african	african	ADJ
inlawrev-3950	213	30	-	-	PUNCT
inlawrev-3950	213	31	american	american	ADJ
inlawrev-3950	213	32	neighborhoods	neighborhood	NOUN
inlawrev-3950	213	33	of	of	ADP
inlawrev-3950	213	34	baltimore.^"^	baltimore.^"^	PROPN
inlawrev-3950	213	35	wells	wells	PROPN
inlawrev-3950	213	36	fargo	fargo	PROPN
inlawrev-3950	213	37	is	be	AUX
inlawrev-3950	213	38	also	also	ADV
inlawrev-3950	213	39	alleged	allege	VERB
inlawrev-3950	213	40	to	to	PART
inlawrev-3950	213	41	have	have	VERB
inlawrev-3950	213	42	"	"	PUNCT
inlawrev-3950	213	43	the	the	DET
inlawrev-3950	213	44	largest	large	ADJ
inlawrev-3950	213	45	number	number	NOUN
inlawrev-3950	213	46	of	of	ADP
inlawrev-3950	213	47	foreclosures	foreclosure	NOUN
inlawrev-3950	213	48	in	in	ADP
inlawrev-3950	213	49	baltimore	baltimore	PROPN
inlawrev-3950	213	50	of	of	ADP
inlawrev-3950	213	51	any	any	DET
inlawrev-3950	213	52	lender	lender	NOUN
inlawrev-3950	213	53	—	—	PUNCT
inlawrev-3950	213	54	at	at	ADP
inlawrev-3950	213	55	least	least	ADV
inlawrev-3950	213	56	135	135	NUM
inlawrev-3950	213	57	from	from	ADP
inlawrev-3950	213	58	2005	2005	NUM
inlawrev-3950	213	59	to	to	ADP
inlawrev-3950	213	60	2006."'^	2006."'^	NUM
inlawrev-3950	213	61	the	the	DET
inlawrev-3950	213	62	city	city	NOUN
inlawrev-3950	213	63	further	far	ADV
inlawrev-3950	213	64	alleges	allege	VERB
inlawrev-3950	213	65	,	,	PUNCT
inlawrev-3950	213	66	however	however	ADV
inlawrev-3950	213	67	,	,	PUNCT
inlawrev-3950	213	68	that	that	SCONJ
inlawrev-3950	213	69	"	"	PUNCT
inlawrev-3950	213	70	[	[	PUNCT
inlawrev-3950	213	71	h]alf	h]alf	PRON
inlawrev-3950	213	72	ofwells	ofwell	NOUN
inlawrev-3950	213	73	fargo	fargo	NOUN
inlawrev-3950	213	74	's	's	PART
inlawrev-3950	213	75	foreclosures	foreclosure	NOUN
inlawrev-3950	213	76	from	from	ADP
inlawrev-3950	213	77	2005	2005	NUM
inlawrev-3950	213	78	to	to	ADP
inlawrev-3950	213	79	2006	2006	NUM
inlawrev-3950	213	80	were	be	AUX
inlawrev-3950	213	81	in	in	ADP
inlawrev-3950	213	82	census	census	NOUN
inlawrev-3950	213	83	tracts	tract	NOUN
inlawrev-3950	213	84	that	that	PRON
inlawrev-3950	213	85	are	be	AUX
inlawrev-3950	213	86	more	more	ADJ
inlawrev-3950	213	87	than	than	ADP
inlawrev-3950	213	88	80	80	NUM
inlawrev-3950	213	89	%	%	NOUN
inlawrev-3950	213	90	africanamerican	africanamerican	NOUN
inlawrev-3950	213	91	and	and	CCONJ
inlawrev-3950	213	92	two	two	NUM
inlawrev-3950	213	93	-	-	PUNCT
inlawrev-3950	213	94	thirds	third	NOUN
inlawrev-3950	213	95	were	be	AUX
inlawrev-3950	213	96	in	in	ADP
inlawrev-3950	213	97	tracts	tract	NOUN
inlawrev-3950	213	98	that	that	PRON
inlawrev-3950	213	99	are	be	AUX
inlawrev-3950	213	100	over	over	ADP
inlawrev-3950	213	101	60	60	NUM
inlawrev-3950	213	102	%	%	NOUN
inlawrev-3950	213	103	african	african	ADJ
inlawrev-3950	213	104	-	-	PUNCT
inlawrev-3950	213	105	american	american	ADJ
inlawrev-3950	213	106	,	,	PUNCT
inlawrev-3950	213	107	but	but	CCONJ
inlawrev-3950	213	108	59	59	NUM
inlawrev-3950	213	109	.	.	PUNCT
inlawrev-3950	213	110	bait	bait	NOUN
inlawrev-3950	213	111	.	.	PUNCT
inlawrev-3950	214	1	complaint	complaint	NOUN
inlawrev-3950	214	2	,	,	PUNCT
inlawrev-3950	214	3	supra	supra	PROPN
inlawrev-3950	214	4	note	note	PROPN
inlawrev-3950	214	5	10	10	NUM
inlawrev-3950	214	6	,	,	PUNCT
inlawrev-3950	214	7	%	%	NOUN
inlawrev-3950	214	8	33	33	NUM
inlawrev-3950	214	9	.	.	PUNCT
inlawrev-3950	215	1	in	in	ADP
inlawrev-3950	215	2	its	its	PRON
inlawrev-3950	215	3	complaint	complaint	NOUN
inlawrev-3950	215	4	against	against	ADP
inlawrev-3950	215	5	wells	wells	PROPN
inlawrev-3950	215	6	fargo	fargo	PROPN
inlawrev-3950	215	7	,	,	PUNCT
inlawrev-3950	215	8	the	the	DET
inlawrev-3950	215	9	city	city	NOUN
inlawrev-3950	215	10	of	of	ADP
inlawrev-3950	215	11	baltimore	baltimore	PROPN
inlawrev-3950	215	12	alleges	allege	VERB
inlawrev-3950	215	13	,	,	PUNCT
inlawrev-3950	215	14	for	for	ADP
inlawrev-3950	215	15	example	example	NOUN
inlawrev-3950	215	16	,	,	PUNCT
inlawrev-3950	215	17	that	that	SCONJ
inlawrev-3950	215	18	"	"	PUNCT
inlawrev-3950	215	19	the	the	DET
inlawrev-3950	215	20	african	african	ADJ
inlawrev-3950	215	21	-	-	PUNCT
inlawrev-3950	215	22	american	american	ADJ
inlawrev-3950	215	23	population	population	NOUN
inlawrev-3950	215	24	exceeds	exceed	VERB
inlawrev-3950	215	25	90	90	NUM
inlawrev-3950	215	26	%	%	NOUN
inlawrev-3950	215	27	in	in	ADP
inlawrev-3950	215	28	east	east	PROPN
inlawrev-3950	215	29	baltimore	baltimore	PROPN
inlawrev-3950	215	30	,	,	PUNCT
inlawrev-3950	215	31	pimlico	pimlico	PROPN
inlawrev-3950	215	32	/	/	SYM
inlawrev-3950	215	33	arlington	arlington	PROPN
inlawrev-3950	215	34	/	/	SYM
inlawrev-3950	215	35	hilltop	hilltop	NOUN
inlawrev-3950	215	36	,	,	PUNCT
inlawrev-3950	215	37	dorchester	dorchester	NOUN
inlawrev-3950	215	38	/	/	SYM
inlawrev-3950	215	39	ashburton	ashburton	PROPN
inlawrev-3950	215	40	,	,	PUNCT
inlawrev-3950	215	41	southern	southern	ADJ
inlawrev-3950	215	42	park	park	NOUN
inlawrev-3950	215	43	heights	height	NOUN
inlawrev-3950	215	44	,	,	PUNCT
inlawrev-3950	215	45	greater	great	ADJ
inlawrev-3950	215	46	rosemont	rosemont	NOUN
inlawrev-3950	215	47	,	,	PUNCT
inlawrev-3950	215	48	sandtown	sandtown	NOUN
inlawrev-3950	215	49	-	-	PUNCT
inlawrev-3950	215	50	winchester	winchester	PROPN
inlawrev-3950	215	51	/	/	SYM
inlawrev-3950	215	52	harlem	harlem	PROPN
inlawrev-3950	215	53	park	park	NOUN
inlawrev-3950	215	54	,	,	PUNCT
inlawrev-3950	215	55	and	and	CCONJ
inlawrev-3950	215	56	greater	great	ADJ
inlawrev-3950	215	57	govans	govan	NOUN
inlawrev-3950	215	58	.	.	PUNCT
inlawrev-3950	216	1	it	it	PRON
inlawrev-3950	216	2	exceeds	exceed	VERB
inlawrev-3950	216	3	75	75	NUM
inlawrev-3950	216	4	%	%	NOUN
inlawrev-3950	216	5	in	in	ADP
inlawrev-3950	216	6	waverly	waverly	PROPN
inlawrev-3950	216	7	and	and	CCONJ
inlawrev-3950	216	8	belair	belair	PROPN
inlawrev-3950	216	9	edison	edison	PROPN
inlawrev-3950	216	10	.	.	PUNCT
inlawrev-3950	216	11	"	"	PUNCT
inlawrev-3950	217	1	i	i	PRON
inlawrev-3950	217	2	d.	d.	PROPN
inlawrev-3950	217	3	the	the	DET
inlawrev-3950	217	4	complaint	complaint	NOUN
inlawrev-3950	217	5	also	also	ADV
inlawrev-3950	217	6	alleges	allege	VERB
inlawrev-3950	217	7	that	that	SCONJ
inlawrev-3950	217	8	"	"	PUNCT
inlawrev-3950	217	9	the	the	DET
inlawrev-3950	217	10	white	white	ADJ
inlawrev-3950	217	11	population	population	NOUN
inlawrev-3950	217	12	of	of	ADP
inlawrev-3950	217	13	greater	great	ADJ
inlawrev-3950	217	14	roland	roland	NOUN
inlawrev-3950	217	15	park	park	NOUN
inlawrev-3950	217	16	/	/	SYM
inlawrev-3950	217	17	poplar	poplar	NOUN
inlawrev-3950	217	18	,	,	PUNCT
inlawrev-3950	217	19	medfield	medfield	PROPN
inlawrev-3950	217	20	/	/	SYM
inlawrev-3950	217	21	hampdenavoodberry	hampdenavoodberry	PROPN
inlawrev-3950	217	22	,	,	PUNCT
inlawrev-3950	217	23	and	and	CCONJ
inlawrev-3950	217	24	south	south	PROPN
inlawrev-3950	217	25	baltimore	baltimore	PROPN
inlawrev-3950	217	26	exceeds	exceed	VERB
inlawrev-3950	217	27	80	80	NUM
inlawrev-3950	217	28	%	%	NOUN
inlawrev-3950	217	29	,	,	PUNCT
inlawrev-3950	217	30	and	and	CCONJ
inlawrev-3950	217	31	the	the	DET
inlawrev-3950	217	32	white	white	ADJ
inlawrev-3950	217	33	population	population	NOUN
inlawrev-3950	217	34	of	of	ADP
inlawrev-3950	217	35	cross	cross	NOUN
inlawrev-3950	217	36	-	-	NOUN
inlawrev-3950	217	37	country	country	NOUN
inlawrev-3950	217	38	/	/	SYM
inlawrev-3950	217	39	cheswolde	cheswolde	PROPN
inlawrev-3950	217	40	,	,	PUNCT
inlawrev-3950	217	41	mt	mt	PROPN
inlawrev-3950	217	42	.	.	PROPN
inlawrev-3950	217	43	washington	washington	PROPN
inlawrev-3950	217	44	/	/	SYM
inlawrev-3950	217	45	coldspring	coldspring	NOUN
inlawrev-3950	217	46	,	,	PUNCT
inlawrev-3950	217	47	and	and	CCONJ
inlawrev-3950	217	48	north	north	NOUN
inlawrev-3950	217	49	baltimore/	baltimore/	PROPN
inlawrev-3950	217	50	guilford	guilford	PROPN
inlawrev-3950	217	51	/	/	SYM
inlawrev-3950	217	52	homeland	homeland	NOUN
inlawrev-3950	217	53	exceeds	exceed	VERB
inlawrev-3950	217	54	70	70	NUM
inlawrev-3950	217	55	%	%	NOUN
inlawrev-3950	217	56	.	.	PUNCT
inlawrev-3950	217	57	"	"	PUNCT
inlawrev-3950	218	1	i	i	PRON
inlawrev-3950	218	2	d.	d.	PROPN
inlawrev-3950	218	3	60	60	NUM
inlawrev-3950	218	4	.	.	PUNCT
inlawrev-3950	219	1	bait	bait	NOUN
inlawrev-3950	219	2	.	.	PUNCT
inlawrev-3950	220	1	complaint	complaint	NOUN
inlawrev-3950	220	2	,	,	PUNCT
inlawrev-3950	220	3	supra	supra	PROPN
inlawrev-3950	220	4	note	note	NOUN
inlawrev-3950	220	5	10	10	NUM
inlawrev-3950	220	6	.	.	PUNCT
inlawrev-3950	220	7	61	61	NUM
inlawrev-3950	220	8	.	.	PUNCT
inlawrev-3950	221	1	mh4	mh4	NOUN
inlawrev-3950	221	2	-	-	PUNCT
inlawrev-3950	221	3	5	5	NUM
inlawrev-3950	221	4	.	.	NUM
inlawrev-3950	221	5	62	62	NUM
inlawrev-3950	221	6	.	.	PUNCT
inlawrev-3950	222	1	i	i	PRON
inlawrev-3950	222	2	d.	d.	PROPN
inlawrev-3950	222	3	112	112	NUM
inlawrev-3950	222	4	,	,	PUNCT
inlawrev-3950	222	5	4	4	NUM
inlawrev-3950	222	6	.	.	NOUN
inlawrev-3950	222	7	63	63	NUM
inlawrev-3950	222	8	.	.	PUNCT
inlawrev-3950	223	1	mffllo	mffllo	PROPN
inlawrev-3950	223	2	,	,	PUNCT
inlawrev-3950	223	3	35	35	NUM
inlawrev-3950	223	4	.	.	NOUN
inlawrev-3950	223	5	64	64	NUM
inlawrev-3950	223	6	.	.	PUNCT
inlawrev-3950	224	1	i	i	PRON
inlawrev-3950	224	2	d.	d.	PROPN
inlawrev-3950	224	3	65	65	NUM
inlawrev-3950	224	4	.	.	PUNCT
inlawrev-3950	225	1	i	i	PRON
inlawrev-3950	225	2	d.	d.	PROPN
inlawrev-3950	225	3	f	f	PROPN
inlawrev-3950	225	4	38	38	NUM
inlawrev-3950	225	5	.	.	PUNCT
inlawrev-3950	226	1	the	the	DET
inlawrev-3950	226	2	city	city	NOUN
inlawrev-3950	226	3	's	's	PART
inlawrev-3950	226	4	complaint	complaint	NOUN
inlawrev-3950	226	5	alleges	allege	VERB
inlawrev-3950	226	6	that	that	SCONJ
inlawrev-3950	226	7	"	"	PUNCT
inlawrev-3950	226	8	[	[	PUNCT
inlawrev-3950	226	9	o]nly	o]nly	ADV
inlawrev-3950	226	10	two	two	NUM
inlawrev-3950	226	11	other	other	ADJ
inlawrev-3950	226	12	lenders	lender	NOUN
inlawrev-3950	226	13	had	have	VERB
inlawrev-3950	226	14	more	more	ADJ
inlawrev-3950	226	15	than	than	ADP
inlawrev-3950	226	16	100	100	NUM
inlawrev-3950	226	17	foreclosures	foreclosure	NOUN
inlawrev-3950	226	18	during	during	ADP
inlawrev-3950	226	19	this	this	DET
inlawrev-3950	226	20	period	period	NOUN
inlawrev-3950	226	21	"	"	PUNCT
inlawrev-3950	226	22	;	;	PUNCT
inlawrev-3950	226	23	that	that	SCONJ
inlawrev-3950	226	24	"	"	PUNCT
inlawrev-3950	226	25	[	[	X
inlawrev-3950	226	26	w]ith	w]ith	X
inlawrev-3950	226	27	at	at	ADV
inlawrev-3950	226	28	least	least	ADV
inlawrev-3950	226	29	seventy	seventy	NUM
inlawrev-3950	226	30	foreclosures	foreclosure	NOUN
inlawrev-3950	226	31	during	during	ADP
inlawrev-3950	226	32	the	the	DET
inlawrev-3950	226	33	first	first	ADJ
inlawrev-3950	226	34	half	half	NOUN
inlawrev-3950	226	35	of	of	ADP
inlawrev-3950	226	36	2007	2007	NUM
inlawrev-3950	226	37	,	,	PUNCT
inlawrev-3950	226	38	the	the	DET
inlawrev-3950	226	39	pace	pace	NOUN
inlawrev-3950	226	40	ofwells	ofwell	VERB
inlawrev-3950	226	41	fargo	fargo	PROPN
inlawrev-3950	226	42	's	's	PART
inlawrev-3950	226	43	foreclosures	foreclosure	NOUN
inlawrev-3950	226	44	is	be	AUX
inlawrev-3950	226	45	increasing	increase	VERB
inlawrev-3950	226	46	"	"	PUNCT
inlawrev-3950	226	47	;	;	PUNCT
inlawrev-3950	226	48	and	and	CCONJ
inlawrev-3950	226	49	that	that	SCONJ
inlawrev-3950	226	50	"	"	PUNCT
inlawrev-3950	226	51	at	at	ADP
inlawrev-3950	226	52	least	least	ADJ
inlawrev-3950	226	53	108	108	NUM
inlawrev-3950	226	54	wells	wells	PROPN
inlawrev-3950	226	55	fargo	fargo	PROPN
inlawrev-3950	226	56	loans	loan	NOUN
inlawrev-3950	226	57	in	in	ADP
inlawrev-3950	226	58	baltimore	baltimore	PROPN
inlawrev-3950	226	59	resulted	result	VERB
inlawrev-3950	226	60	in	in	ADP
inlawrev-3950	226	61	foreclosure	foreclosure	NOUN
inlawrev-3950	226	62	from	from	ADP
inlawrev-3950	226	63	2000	2000	NUM
inlawrev-3950	226	64	to	to	ADP
inlawrev-3950	226	65	2004	2004	NUM
inlawrev-3950	226	66	.	.	PUNCT
inlawrev-3950	226	67	"	"	PUNCT
inlawrev-3950	227	1	i	i	PRON
inlawrev-3950	227	2	d.	d.	PROPN
inlawrev-3950	227	3	2008	2008	NUM
inlawrev-3950	227	4	]	]	PUNCT
inlawrev-3950	227	5	future	future	NOUN
inlawrev-3950	227	6	of	of	ADP
inlawrev-3950	227	7	the	the	DET
inlawrev-3950	227	8	fair	fair	ADJ
inlawrev-3950	227	9	housing	housing	PROPN
inlawrev-3950	227	10	act	act	NOUN
inlawrev-3950	227	11	639	639	NUM
inlawrev-3950	227	12	only	only	ADV
inlawrev-3950	227	13	15.6	15.6	NUM
inlawrev-3950	227	14	%	%	NOUN
inlawrev-3950	227	15	were	be	AUX
inlawrev-3950	227	16	in	in	ADP
inlawrev-3950	227	17	tracts	tract	NOUN
inlawrev-3950	227	18	that	that	PRON
inlawrev-3950	227	19	are	be	AUX
inlawrev-3950	227	20	20	20	NUM
inlawrev-3950	227	21	%	%	NOUN
inlawrev-3950	227	22	or	or	CCONJ
inlawrev-3950	227	23	less	less	ADV
inlawrev-3950	227	24	african	african	ADJ
inlawrev-3950	227	25	-	-	PUNCT
inlawrev-3950	227	26	american	american	ADJ
inlawrev-3950	227	27	.	.	PUNCT
inlawrev-3950	228	1	"^^	"^^	PUNCT
inlawrev-3950	228	2	according	accord	VERB
inlawrev-3950	228	3	to	to	ADP
inlawrev-3950	228	4	the	the	DET
inlawrev-3950	228	5	complaint	complaint	NOUN
inlawrev-3950	228	6	,	,	PUNCT
inlawrev-3950	228	7	[	[	X
inlawrev-3950	228	8	t]he	t]he	ADJ
inlawrev-3950	228	9	figures	figure	NOUN
inlawrev-3950	228	10	are	be	AUX
inlawrev-3950	228	11	virtually	virtually	ADV
inlawrev-3950	228	12	identical	identical	ADJ
inlawrev-3950	228	13	for	for	ADP
inlawrev-3950	228	14	wells	wells	PROPN
inlawrev-3950	228	15	fargo	fargo	PROPN
inlawrev-3950	228	16	'	'	PART
inlawrev-3950	228	17	s	s	PROPN
inlawrev-3950	228	18	foreclosures	foreclosure	NOUN
inlawrev-3950	228	19	from	from	ADP
inlawrev-3950	228	20	2000	2000	NUM
inlawrev-3950	228	21	to	to	ADP
inlawrev-3950	228	22	2004	2004	NUM
inlawrev-3950	228	23	,	,	PUNCT
inlawrev-3950	228	24	with	with	ADP
inlawrev-3950	228	25	more	more	ADJ
inlawrev-3950	228	26	than	than	ADP
inlawrev-3950	228	27	half	half	NOUN
inlawrev-3950	228	28	in	in	ADP
inlawrev-3950	228	29	tracts	tract	NOUN
inlawrev-3950	228	30	that	that	PRON
inlawrev-3950	228	31	are	be	AUX
inlawrev-3950	228	32	more	more	ADJ
inlawrev-3950	228	33	than	than	ADP
inlawrev-3950	228	34	80	80	NUM
inlawrev-3950	228	35	%	%	NOUN
inlawrev-3950	228	36	african	african	ADJ
inlawrev-3950	228	37	-	-	PUNCT
inlawrev-3950	228	38	american	american	ADJ
inlawrev-3950	228	39	,	,	PUNCT
inlawrev-3950	228	40	64	64	NUM
inlawrev-3950	228	41	%	%	NOUN
inlawrev-3950	228	42	in	in	ADP
inlawrev-3950	228	43	tracts	tract	NOUN
inlawrev-3950	228	44	that	that	PRON
inlawrev-3950	228	45	are	be	AUX
inlawrev-3950	228	46	over	over	ADP
inlawrev-3950	228	47	60	60	NUM
inlawrev-3950	228	48	%	%	NOUN
inlawrev-3950	228	49	african	african	ADJ
inlawrev-3950	228	50	-	-	PUNCT
inlawrev-3950	228	51	american	american	ADJ
inlawrev-3950	228	52	,	,	PUNCT
inlawrev-3950	228	53	and	and	CCONJ
inlawrev-3950	228	54	only	only	ADV
inlawrev-3950	228	55	14.8	14.8	NUM
inlawrev-3950	228	56	%	%	NOUN
inlawrev-3950	228	57	in	in	ADP
inlawrev-3950	228	58	tracts	tract	NOUN
inlawrev-3950	228	59	that	that	PRON
inlawrev-3950	228	60	are	be	AUX
inlawrev-3950	228	61	20	20	NUM
inlawrev-3950	228	62	%	%	NOUN
inlawrev-3950	228	63	or	or	CCONJ
inlawrev-3950	228	64	less	less	ADV
inlawrev-3950	228	65	african	african	ADJ
inlawrev-3950	228	66	-	-	PUNCT
inlawrev-3950	228	67	american	american	PROPN
inlawrev-3950	228	68	.	.	PUNCT
inlawrev-3950	229	1	wells	wells	PROPN
inlawrev-3950	229	2	fargo	fargo	PROPN
inlawrev-3950	229	3	's	's	PART
inlawrev-3950	229	4	foreclosures	foreclosure	NOUN
inlawrev-3950	229	5	during	during	ADP
inlawrev-3950	229	6	the	the	DET
inlawrev-3950	229	7	first	first	ADJ
inlawrev-3950	229	8	half	half	NOUN
inlawrev-3950	229	9	of	of	ADP
inlawrev-3950	229	10	2007	2007	NUM
inlawrev-3950	229	11	reflect	reflect	VERB
inlawrev-3950	229	12	a	a	DET
inlawrev-3950	229	13	similar	similar	ADJ
inlawrev-3950	229	14	pattem.^^	pattem.^^	NOUN
inlawrev-3950	229	15	the	the	DET
inlawrev-3950	229	16	complaint	complaint	NOUN
inlawrev-3950	229	17	alleges	allege	VERB
inlawrev-3950	229	18	that	that	SCONJ
inlawrev-3950	229	19	"	"	PUNCT
inlawrev-3950	229	20	[	[	PUNCT
inlawrev-3950	229	21	ajlmost	ajlmost	ADJ
inlawrev-3950	229	22	half	half	NOUN
inlawrev-3950	229	23	are	be	AUX
inlawrev-3950	229	24	in	in	ADP
inlawrev-3950	229	25	tracts	tract	NOUN
inlawrev-3950	229	26	that	that	PRON
inlawrev-3950	229	27	are	be	AUX
inlawrev-3950	229	28	more	more	ADJ
inlawrev-3950	229	29	than	than	ADP
inlawrev-3950	229	30	80	80	NUM
inlawrev-3950	229	31	%	%	NOUN
inlawrev-3950	229	32	african	african	ADJ
inlawrev-3950	229	33	-	-	PUNCT
inlawrev-3950	229	34	american	american	ADJ
inlawrev-3950	229	35	,	,	PUNCT
inlawrev-3950	229	36	while	while	SCONJ
inlawrev-3950	229	37	only	only	ADV
inlawrev-3950	229	38	1	1	NUM
inlawrev-3950	229	39	1	1	NUM
inlawrev-3950	229	40	.4	.4	NUM
inlawrev-3950	229	41	%	%	NOUN
inlawrev-3950	229	42	are	be	AUX
inlawrev-3950	229	43	in	in	ADP
inlawrev-3950	229	44	tracts	tract	NOUN
inlawrev-3950	229	45	that	that	PRON
inlawrev-3950	229	46	are	be	AUX
inlawrev-3950	229	47	20	20	NUM
inlawrev-3950	229	48	%	%	NOUN
inlawrev-3950	229	49	or	or	CCONJ
inlawrev-3950	229	50	less	less	ADV
inlawrev-3950	229	51	africanamerican	africanamerican	ADJ
inlawrev-3950	229	52	.	.	PUNCT
inlawrev-3950	230	1	"^^	"^^	PROPN
inlawrev-3950	230	2	in	in	ADP
inlawrev-3950	230	3	terms	term	NOUN
inlawrev-3950	230	4	of	of	ADP
inlawrev-3950	230	5	foreclosure	foreclosure	NOUN
inlawrev-3950	230	6	rates	rate	NOUN
inlawrev-3950	230	7	,	,	PUNCT
inlawrev-3950	230	8	the	the	DET
inlawrev-3950	230	9	numbers	number	NOUN
inlawrev-3950	230	10	set	set	VERB
inlawrev-3950	230	11	out	out	ADP
inlawrev-3950	230	12	in	in	ADP
inlawrev-3950	230	13	baltimore	baltimore	PROPN
inlawrev-3950	230	14	's	's	PART
inlawrev-3950	230	15	complaint	complaint	NOUN
inlawrev-3950	230	16	are	be	AUX
inlawrev-3950	230	17	stark	stark	ADJ
inlawrev-3950	230	18	:	:	PUNCT
inlawrev-3950	230	19	while	while	SCONJ
inlawrev-3950	230	20	8.2	8.2	NUM
inlawrev-3950	230	21	%	%	NOUN
inlawrev-3950	230	22	of	of	ADP
inlawrev-3950	230	23	wells	wells	PROPN
inlawrev-3950	230	24	fargo	fargo	PROPN
inlawrev-3950	230	25	'	'	PART
inlawrev-3950	230	26	s	s	PROPN
inlawrev-3950	230	27	loans	loan	NOUN
inlawrev-3950	230	28	in	in	ADP
inlawrev-3950	230	29	predominantly	predominantly	ADV
inlawrev-3950	230	30	african	african	ADJ
inlawrev-3950	230	31	-	-	PUNCT
inlawrev-3950	230	32	american	american	ADJ
inlawrev-3950	230	33	neighborhoods	neighborhood	NOUN
inlawrev-3950	230	34	result	result	VERB
inlawrev-3950	230	35	in	in	ADP
inlawrev-3950	230	36	foreclosure	foreclosure	NOUN
inlawrev-3950	230	37	,	,	PUNCT
inlawrev-3950	230	38	the	the	DET
inlawrev-3950	230	39	same	same	ADJ
inlawrev-3950	230	40	is	be	AUX
inlawrev-3950	230	41	true	true	ADJ
inlawrev-3950	230	42	for	for	ADP
inlawrev-3950	230	43	only	only	ADV
inlawrev-3950	230	44	2	2	NUM
inlawrev-3950	230	45	.	.	SYM
inlawrev-3950	230	46	1	1	NUM
inlawrev-3950	230	47	%	%	NOUN
inlawrev-3950	230	48	of	of	ADP
inlawrev-3950	230	49	its	its	PRON
inlawrev-3950	230	50	loans	loan	NOUN
inlawrev-3950	230	51	in	in	ADP
inlawrev-3950	230	52	predominantly	predominantly	ADV
inlawrev-3950	230	53	white	white	ADJ
inlawrev-3950	230	54	neighborhoods	neighborhood	NOUN
inlawrev-3950	230	55	.	.	PUNCT
inlawrev-3950	231	1	in	in	ADP
inlawrev-3950	231	2	other	other	ADJ
inlawrev-3950	231	3	words	word	NOUN
inlawrev-3950	231	4	,	,	PUNCT
inlawrev-3950	231	5	a	a	DET
inlawrev-3950	231	6	wells	wells	PROPN
inlawrev-3950	231	7	fargo	fargo	PROPN
inlawrev-3950	231	8	loan	loan	PROPN
inlawrev-3950	231	9	in	in	ADP
inlawrev-3950	231	10	a	a	DET
inlawrev-3950	231	11	predominantly	predominantly	ADV
inlawrev-3950	231	12	african	african	ADJ
inlawrev-3950	231	13	-	-	PUNCT
inlawrev-3950	231	14	american	american	ADJ
inlawrev-3950	231	15	neighborhood	neighborhood	NOUN
inlawrev-3950	231	16	is	be	AUX
inlawrev-3950	231	17	nearly	nearly	ADV
inlawrev-3950	231	18	four	four	NUM
inlawrev-3950	231	19	times	time	NOUN
inlawrev-3950	231	20	as	as	ADV
inlawrev-3950	231	21	likely	likely	ADJ
inlawrev-3950	231	22	to	to	PART
inlawrev-3950	231	23	result	result	VERB
inlawrev-3950	231	24	in	in	ADP
inlawrev-3950	231	25	foreclosure	foreclosure	NOUN
inlawrev-3950	231	26	as	as	ADP
inlawrev-3950	231	27	a	a	DET
inlawrev-3950	231	28	wells	wells	PROPN
inlawrev-3950	231	29	fargo	fargo	PROPN
inlawrev-3950	231	30	loan	loan	PROPN
inlawrev-3950	231	31	in	in	ADP
inlawrev-3950	231	32	a	a	DET
inlawrev-3950	231	33	predominantly	predominantly	ADV
inlawrev-3950	231	34	white	white	ADJ
inlawrev-3950	231	35	neighborhood.^^	neighborhood.^^	X
inlawrev-3950	231	36	in	in	ADP
inlawrev-3950	231	37	contrast	contrast	NOUN
inlawrev-3950	231	38	,	,	PUNCT
inlawrev-3950	231	39	the	the	DET
inlawrev-3950	231	40	foreclosure	foreclosure	NOUN
inlawrev-3950	231	41	rate	rate	NOUN
inlawrev-3950	231	42	for	for	ADP
inlawrev-3950	231	43	all	all	DET
inlawrev-3950	231	44	lenders	lender	NOUN
inlawrev-3950	231	45	in	in	ADP
inlawrev-3950	231	46	baltimore	baltimore	PROPN
inlawrev-3950	231	47	is	be	AUX
inlawrev-3950	231	48	4.5%.^^	4.5%.^^	NUM
inlawrev-3950	231	49	thus	thus	ADV
inlawrev-3950	231	50	,	,	PUNCT
inlawrev-3950	231	51	the	the	DET
inlawrev-3950	231	52	city	city	NOUN
inlawrev-3950	231	53	alleges	allege	VERB
inlawrev-3950	231	54	,	,	PUNCT
inlawrev-3950	231	55	"	"	PUNCT
inlawrev-3950	231	56	wells	wells	PROPN
inlawrev-3950	231	57	fargo	fargo	PROPN
inlawrev-3950	231	58	'	'	PART
inlawrev-3950	231	59	s	s	NOUN
inlawrev-3950	231	60	foreclosure	foreclosure	NOUN
inlawrev-3950	231	61	rate	rate	NOUN
inlawrev-3950	231	62	for	for	ADP
inlawrev-3950	231	63	loans	loan	NOUN
inlawrev-3950	231	64	in	in	ADP
inlawrev-3950	231	65	african	african	ADJ
inlawrev-3950	231	66	-	-	PUNCT
inlawrev-3950	231	67	american	american	ADJ
inlawrev-3950	231	68	neighborhoods	neighborhood	NOUN
inlawrev-3950	231	69	is	be	AUX
inlawrev-3950	231	70	nearly	nearly	ADV
inlawrev-3950	231	71	double	double	DET
inlawrev-3950	231	72	the	the	DET
inlawrev-3950	231	73	overall	overall	ADJ
inlawrev-3950	231	74	city	city	NOUN
inlawrev-3950	231	75	average	average	NOUN
inlawrev-3950	231	76	,	,	PUNCT
inlawrev-3950	231	77	while	while	SCONJ
inlawrev-3950	231	78	the	the	DET
inlawrev-3950	231	79	ratio	ratio	NOUN
inlawrev-3950	231	80	for	for	ADP
inlawrev-3950	231	81	its	its	PRON
inlawrev-3950	231	82	loans	loan	NOUN
inlawrev-3950	231	83	in	in	ADP
inlawrev-3950	231	84	white	white	ADJ
inlawrev-3950	231	85	neighborhoods	neighborhood	NOUN
inlawrev-3950	231	86	is	be	AUX
inlawrev-3950	231	87	less	less	ADJ
inlawrev-3950	231	88	than	than	ADP
inlawrev-3950	231	89	half	half	DET
inlawrev-3950	231	90	the	the	DET
inlawrev-3950	231	91	average	average	NOUN
inlawrev-3950	231	92	.	.	PUNCT
inlawrev-3950	232	1	"^^	"^^	PROPN
inlawrev-3950	232	2	b.	b.	PROPN
inlawrev-3950	232	3	types	type	NOUN
inlawrev-3950	232	4	ofloans	ofloan	NOUN
inlawrev-3950	232	5	made	make	VERB
inlawrev-3950	232	6	the	the	DET
inlawrev-3950	232	7	disparity	disparity	NOUN
inlawrev-3950	232	8	in	in	ADP
inlawrev-3950	232	9	foreclosure	foreclosure	NOUN
inlawrev-3950	232	10	rates	rate	NOUN
inlawrev-3950	232	11	,	,	PUNCT
inlawrev-3950	232	12	the	the	DET
inlawrev-3950	232	13	complaint	complaint	NOUN
inlawrev-3950	232	14	argues	argue	VERB
inlawrev-3950	232	15	,	,	PUNCT
inlawrev-3950	232	16	is	be	AUX
inlawrev-3950	232	17	explained	explain	VERB
inlawrev-3950	232	18	by	by	ADP
inlawrev-3950	232	19	the	the	DET
inlawrev-3950	232	20	manner	manner	NOUN
inlawrev-3950	232	21	in	in	ADP
inlawrev-3950	232	22	which	which	PRON
inlawrev-3950	232	23	wells	wells	PROPN
inlawrev-3950	232	24	fargo	fargo	PROPN
inlawrev-3950	232	25	has	have	AUX
inlawrev-3950	232	26	targeted	target	VERB
inlawrev-3950	232	27	african	african	ADJ
inlawrev-3950	232	28	-	-	PUNCT
inlawrev-3950	232	29	american	american	ADJ
inlawrev-3950	232	30	neighborhoods	neighborhood	NOUN
inlawrev-3950	232	31	in	in	ADP
inlawrev-3950	232	32	baltimore	baltimore	PROPN
inlawrev-3950	232	33	for	for	ADP
inlawrev-3950	232	34	improper	improper	ADJ
inlawrev-3950	232	35	and	and	CCONJ
inlawrev-3950	232	36	irresponsible	irresponsible	ADJ
inlawrev-3950	232	37	lending	lending	NOUN
inlawrev-3950	232	38	practices.^^	practices.^^	NOUN
inlawrev-3950	233	1	the	the	DET
inlawrev-3950	233	2	city	city	NOUN
inlawrev-3950	233	3	alleges	allege	VERB
inlawrev-3950	233	4	that	that	SCONJ
inlawrev-3950	233	5	the	the	DET
inlawrev-3950	233	6	bank	bank	NOUN
inlawrev-3950	233	7	'	'	PUNCT
inlawrev-3950	233	8	s	s	PART
inlawrev-3950	233	9	"	"	PUNCT
inlawrev-3950	233	10	[	[	X
inlawrev-3950	233	11	pjattem	pjattem	NOUN
inlawrev-3950	233	12	or	or	CCONJ
inlawrev-3950	233	13	practice	practice	NOUN
inlawrev-3950	233	14	of	of	ADP
inlawrev-3950	233	15	failing	fail	VERB
inlawrev-3950	233	16	to	to	PART
inlawrev-3950	233	17	follow	follow	VERB
inlawrev-3950	233	18	responsible	responsible	ADJ
inlawrev-3950	233	19	underwriting	underwriting	NOUN
inlawrev-3950	233	20	practices	practice	NOUN
inlawrev-3950	233	21	...	...	PUNCT
inlawrev-3950	233	22	is	be	AUX
inlawrev-3950	233	23	evident	evident	ADJ
inlawrev-3950	233	24	from	from	ADP
inlawrev-3950	233	25	the	the	DET
inlawrev-3950	233	26	type	type	NOUN
inlawrev-3950	233	27	of	of	ADP
inlawrev-3950	233	28	loans	loan	NOUN
inlawrev-3950	233	29	that	that	PRON
inlawrev-3950	233	30	result	result	VERB
inlawrev-3950	233	31	in	in	ADP
inlawrev-3950	233	32	foreclosure	foreclosure	NOUN
inlawrev-3950	233	33	filings	filing	NOUN
inlawrev-3950	233	34	in	in	ADP
inlawrev-3950	233	35	those	those	DET
inlawrev-3950	233	36	neighborhoods	neighborhood	NOUN
inlawrev-3950	233	37	.	.	PUNCT
inlawrev-3950	234	1	"^^	"^^	PUNCT
inlawrev-3950	234	2	according	accord	VERB
inlawrev-3950	234	3	to	to	ADP
inlawrev-3950	234	4	the	the	DET
inlawrev-3950	234	5	complaint	complaint	NOUN
inlawrev-3950	234	6	,	,	PUNCT
inlawrev-3950	234	7	approximately	approximately	ADV
inlawrev-3950	234	8	70	70	NUM
inlawrev-3950	234	9	%	%	NOUN
inlawrev-3950	234	10	ofwells	ofwell	NOUN
inlawrev-3950	234	11	fargo	fargo	NOUN
inlawrev-3950	234	12	'	'	PUNCT
inlawrev-3950	234	13	s	s	PROPN
inlawrev-3950	234	14	baltimore	baltimore	PROPN
inlawrev-3950	234	15	loans	loan	NOUN
inlawrev-3950	234	16	that	that	PRON
inlawrev-3950	234	17	result	result	VERB
inlawrev-3950	234	18	in	in	ADP
inlawrev-3950	234	19	foreclosure	foreclosure	NOUN
inlawrev-3950	234	20	are	be	AUX
inlawrev-3950	234	21	fixed	fix	VERB
inlawrev-3950	234	22	rate	rate	NOUN
inlawrev-3950	234	23	loans	loan	NOUN
inlawrev-3950	234	24	.	.	PUNCT
inlawrev-3950	235	1	this	this	DET
inlawrev-3950	235	2	ratio	ratio	NOUN
inlawrev-3950	235	3	is	be	AUX
inlawrev-3950	235	4	the	the	DET
inlawrev-3950	235	5	same	same	ADJ
inlawrev-3950	235	6	in	in	ADP
inlawrev-3950	235	7	both	both	DET
inlawrev-3950	235	8	66	66	NUM
inlawrev-3950	235	9	.	.	PUNCT
inlawrev-3950	236	1	id.\2	id.\2	PROPN
inlawrev-3950	236	2	>	>	X
inlawrev-3950	236	3	l.	l.	PROPN
inlawrev-3950	236	4	67	67	NUM
inlawrev-3950	236	5	.	.	PUNCT
inlawrev-3950	237	1	i	i	PRON
inlawrev-3950	237	2	d.	d.	PROPN
inlawrev-3950	237	3	68	68	NUM
inlawrev-3950	237	4	.	.	PUNCT
inlawrev-3950	238	1	i	i	PRON
inlawrev-3950	238	2	d.	d.	PROPN
inlawrev-3950	238	3	69	69	NUM
inlawrev-3950	238	4	.	.	PUNCT
inlawrev-3950	239	1	7^.^39	7^.^39	NOUN
inlawrev-3950	239	2	.	.	PUNCT
inlawrev-3950	240	1	70	70	NUM
inlawrev-3950	240	2	.	.	PUNCT
inlawrev-3950	241	1	id\aq	id\aq	NOUN
inlawrev-3950	241	2	.	.	PROPN
inlawrev-3950	242	1	71	71	NUM
inlawrev-3950	242	2	.	.	PUNCT
inlawrev-3950	243	1	i	i	PRON
inlawrev-3950	243	2	d.	d.	PROPN
inlawrev-3950	243	3	72	72	NUM
inlawrev-3950	243	4	.	.	PUNCT
inlawrev-3950	244	1	m^^	m^^	PROPN
inlawrev-3950	244	2	41	41	NUM
inlawrev-3950	244	3	-	-	SYM
inlawrev-3950	244	4	60	60	NUM
inlawrev-3950	244	5	.	.	PUNCT
inlawrev-3950	245	1	73	73	NUM
inlawrev-3950	245	2	.	.	PUNCT
inlawrev-3950	246	1	id\a2	id\a2	ADV
inlawrev-3950	246	2	.	.	NOUN
inlawrev-3950	247	1	640	640	NUM
inlawrev-3950	247	2	indiana	indiana	PROPN
inlawrev-3950	247	3	law	law	NOUN
inlawrev-3950	247	4	review	review	NOUN
inlawrev-3950	247	5	[	[	X
inlawrev-3950	247	6	vol	vol	NOUN
inlawrev-3950	247	7	.	.	NOUN
inlawrev-3950	247	8	4	4	NUM
inlawrev-3950	247	9	1	1	NUM
inlawrev-3950	247	10	:	:	SYM
inlawrev-3950	247	11	629	629	NUM
inlawrev-3950	247	12	african	african	ADJ
inlawrev-3950	247	13	-	-	PUNCT
inlawrev-3950	247	14	american	american	ADJ
inlawrev-3950	247	15	and	and	CCONJ
inlawrev-3950	247	16	white	white	ADJ
inlawrev-3950	247	17	neighborhoods7"^	neighborhoods7"^	PROPN
inlawrev-3950	247	18	the	the	DET
inlawrev-3950	247	19	complaint	complaint	NOUN
inlawrev-3950	247	20	notes	note	VERB
inlawrev-3950	247	21	that	that	SCONJ
inlawrev-3950	247	22	,	,	PUNCT
inlawrev-3950	247	23	[	[	X
inlawrev-3950	247	24	u]nlike	u]nlike	ADP
inlawrev-3950	247	25	adjustable	adjustable	ADJ
inlawrev-3950	247	26	rate	rate	NOUN
inlawrev-3950	247	27	loans	loan	NOUN
inlawrev-3950	247	28	,	,	PUNCT
inlawrev-3950	247	29	where	where	SCONJ
inlawrev-3950	247	30	the	the	DET
inlawrev-3950	247	31	price	price	NOUN
inlawrev-3950	247	32	may	may	AUX
inlawrev-3950	247	33	fluctuate	fluctuate	VERB
inlawrev-3950	247	34	with	with	ADP
inlawrev-3950	247	35	changing	change	VERB
inlawrev-3950	247	36	market	market	NOUN
inlawrev-3950	247	37	conditions	condition	NOUN
inlawrev-3950	247	38	,	,	PUNCT
inlawrev-3950	247	39	the	the	DET
inlawrev-3950	247	40	performance	performance	NOUN
inlawrev-3950	247	41	of	of	ADP
inlawrev-3950	247	42	fixed	fix	VERB
inlawrev-3950	247	43	rate	rate	NOUN
inlawrev-3950	247	44	loans	loan	NOUN
inlawrev-3950	247	45	is	be	AUX
inlawrev-3950	247	46	relatively	relatively	ADV
inlawrev-3950	247	47	easy	easy	ADJ
inlawrev-3950	247	48	to	to	PART
inlawrev-3950	247	49	predict	predict	VERB
inlawrev-3950	247	50	using	use	VERB
inlawrev-3950	247	51	automated	automate	VERB
inlawrev-3950	247	52	underwriting	underwriting	NOUN
inlawrev-3950	247	53	models	model	NOUN
inlawrev-3950	247	54	and	and	CCONJ
inlawrev-3950	247	55	loan	loan	NOUN
inlawrev-3950	247	56	performance	performance	NOUN
inlawrev-3950	247	57	data	datum	NOUN
inlawrev-3950	247	58	because	because	SCONJ
inlawrev-3950	247	59	monthly	monthly	ADJ
inlawrev-3950	247	60	payments	payment	NOUN
inlawrev-3950	247	61	do	do	AUX
inlawrev-3950	247	62	not	not	PART
inlawrev-3950	247	63	vary	vary	VERB
inlawrev-3950	247	64	during	during	ADP
inlawrev-3950	247	65	the	the	DET
inlawrev-3950	247	66	life	life	NOUN
inlawrev-3950	247	67	of	of	ADP
inlawrev-3950	247	68	the	the	DET
inlawrev-3950	247	69	loan	loan	NOUN
inlawrev-3950	247	70	.	.	PUNCT
inlawrev-3950	248	1	using	use	VERB
inlawrev-3950	248	2	these	these	DET
inlawrev-3950	248	3	sophisticated	sophisticated	ADJ
inlawrev-3950	248	4	risk	risk	NOUN
inlawrev-3950	248	5	assessment	assessment	NOUN
inlawrev-3950	248	6	tools	tool	NOUN
inlawrev-3950	248	7	,	,	PUNCT
inlawrev-3950	248	8	and	and	CCONJ
inlawrev-3950	248	9	relying	rely	VERB
inlawrev-3950	248	10	on	on	ADP
inlawrev-3950	248	11	traditional	traditional	ADJ
inlawrev-3950	248	12	underwriting	underwriting	NOUN
inlawrev-3950	248	13	criteria	criterion	NOUN
inlawrev-3950	248	14	such	such	ADJ
inlawrev-3950	248	15	as	as	ADP
inlawrev-3950	248	16	fico	fico	NOUN
inlawrev-3950	248	17	scores	score	NOUN
inlawrev-3950	248	18	,	,	PUNCT
inlawrev-3950	248	19	debt	debt	NOUN
inlawrev-3950	248	20	-	-	PUNCT
inlawrev-3950	248	21	to	to	ADP
inlawrev-3950	248	22	-	-	PUNCT
inlawrev-3950	248	23	income	income	NOUN
inlawrev-3950	248	24	ratios	ratio	NOUN
inlawrev-3950	248	25	,	,	PUNCT
inlawrev-3950	248	26	loan	loan	NOUN
inlawrev-3950	248	27	-	-	PUNCT
inlawrev-3950	248	28	to	to	ADP
inlawrev-3950	248	29	-	-	PUNCT
inlawrev-3950	248	30	value	value	NOUN
inlawrev-3950	248	31	ratios	ratio	NOUN
inlawrev-3950	248	32	,	,	PUNCT
inlawrev-3950	248	33	and	and	CCONJ
inlawrev-3950	248	34	cash	cash	NOUN
inlawrev-3950	248	35	reserves	reserve	NOUN
inlawrev-3950	248	36	,	,	PUNCT
inlawrev-3950	248	37	any	any	DET
inlawrev-3950	248	38	lender	lender	NOUN
inlawrev-3950	248	39	,	,	PUNCT
inlawrev-3950	248	40	[	[	X
inlawrev-3950	248	41	baltimore	baltimore	NOUN
inlawrev-3950	248	42	argues	argue	VERB
inlawrev-3950	248	43	]	]	PUNCT
inlawrev-3950	248	44	,	,	PUNCT
inlawrev-3950	248	45	engaged	engage	VERB
inlawrev-3950	248	46	in	in	ADP
inlawrev-3950	248	47	responsible	responsible	ADJ
inlawrev-3950	248	48	underwriting	underwriting	NOUN
inlawrev-3950	248	49	practices	practice	NOUN
inlawrev-3950	248	50	designed	design	VERB
inlawrev-3950	248	51	to	to	PART
inlawrev-3950	248	52	identify	identify	VERB
inlawrev-3950	248	53	qualified	qualified	ADJ
inlawrev-3950	248	54	borrowers	borrower	NOUN
inlawrev-3950	248	55	can	can	AUX
inlawrev-3950	248	56	predict	predict	VERB
inlawrev-3950	248	57	with	with	ADP
inlawrev-3950	248	58	statistical	statistical	ADJ
inlawrev-3950	248	59	certainty	certainty	NOUN
inlawrev-3950	248	60	the	the	DET
inlawrev-3950	248	61	likelihood	likelihood	NOUN
inlawrev-3950	248	62	of	of	ADP
inlawrev-3950	248	63	default	default	NOUN
inlawrev-3950	248	64	and/or	and/or	CCONJ
inlawrev-3950	248	65	delinquency	delinquency	NOUN
inlawrev-3950	248	66	.	.	PUNCT
inlawrev-3950	249	1	lenders	lender	NOUN
inlawrev-3950	249	2	engaged	engage	VERB
inlawrev-3950	249	3	in	in	ADP
inlawrev-3950	249	4	marketing	marketing	NOUN
inlawrev-3950	249	5	fixed	fix	VERB
inlawrev-3950	249	6	rate	rate	NOUN
inlawrev-3950	249	7	loans	loan	NOUN
inlawrev-3950	249	8	in	in	ADP
inlawrev-3950	249	9	a	a	DET
inlawrev-3950	249	10	fair	fair	ADJ
inlawrev-3950	249	11	and	and	CCONJ
inlawrev-3950	249	12	responsible	responsible	ADJ
inlawrev-3950	249	13	manner	manner	NOUN
inlawrev-3950	249	14	should	should	AUX
inlawrev-3950	249	15	have	have	VERB
inlawrev-3950	249	16	no	no	DET
inlawrev-3950	249	17	difficulty	difficulty	NOUN
inlawrev-3950	249	18	sifting	sift	VERB
inlawrev-3950	249	19	out	out	ADP
inlawrev-3950	249	20	unqualified	unqualified	ADJ
inlawrev-3950	249	21	borrowers	borrower	NOUN
inlawrev-3950	249	22	,	,	PUNCT
inlawrev-3950	249	23	or	or	CCONJ
inlawrev-3950	249	24	borrowers	borrower	NOUN
inlawrev-3950	249	25	whose	whose	DET
inlawrev-3950	249	26	loans	loan	NOUN
inlawrev-3950	249	27	would	would	AUX
inlawrev-3950	249	28	likely	likely	ADV
inlawrev-3950	249	29	result	result	VERB
inlawrev-3950	249	30	in	in	ADP
inlawrev-3950	249	31	delinquency	delinquency	NOUN
inlawrev-3950	249	32	,	,	PUNCT
inlawrev-3950	249	33	default	default	NOUN
inlawrev-3950	249	34	or	or	CCONJ
inlawrev-3950	249	35	foreclosure.^^	foreclosure.^^	NOUN
inlawrev-3950	249	36	baltimore	baltimore	PROPN
inlawrev-3950	249	37	contends	contend	VERB
inlawrev-3950	249	38	proper	proper	ADJ
inlawrev-3950	249	39	underwriting	underwriting	NOUN
inlawrev-3950	249	40	by	by	ADP
inlawrev-3950	249	41	wells	wells	PROPN
inlawrev-3950	249	42	fargo	fargo	PROPN
inlawrev-3950	249	43	should	should	AUX
inlawrev-3950	249	44	result	result	VERB
inlawrev-3950	249	45	in	in	ADP
inlawrev-3950	249	46	comparable	comparable	ADJ
inlawrev-3950	249	47	rates	rate	NOUN
inlawrev-3950	249	48	of	of	ADP
inlawrev-3950	249	49	foreclosure	foreclosure	NOUN
inlawrev-3950	249	50	in	in	ADP
inlawrev-3950	249	51	both	both	DET
inlawrev-3950	249	52	communities	community	NOUN
inlawrev-3950	250	1	[	[	X
inlawrev-3950	250	2	bjecause	bjecause	VERB
inlawrev-3950	250	3	the	the	DET
inlawrev-3950	250	4	percentage	percentage	NOUN
inlawrev-3950	250	5	of	of	ADP
inlawrev-3950	250	6	fixed	fix	VERB
inlawrev-3950	250	7	rate	rate	NOUN
inlawrev-3950	250	8	loans	loan	NOUN
inlawrev-3950	250	9	is	be	AUX
inlawrev-3950	250	10	so	so	ADV
inlawrev-3950	250	11	high	high	ADJ
inlawrev-3950	250	12	and	and	CCONJ
inlawrev-3950	250	13	the	the	DET
inlawrev-3950	250	14	same	same	ADJ
inlawrev-3950	250	15	in	in	ADP
inlawrev-3950	250	16	both	both	CCONJ
inlawrev-3950	250	17	african	african	ADJ
inlawrev-3950	250	18	-	-	PUNCT
inlawrev-3950	250	19	american	american	ADJ
inlawrev-3950	250	20	and	and	CCONJ
inlawrev-3950	250	21	white	white	ADJ
inlawrev-3950	250	22	neighborhoods	neighborhood	NOUN
inlawrev-3950	250	23	....	....	PUNCT
inlawrev-3950	251	1	the	the	DET
inlawrev-3950	251	2	fact	fact	NOUN
inlawrev-3950	251	3	that	that	SCONJ
inlawrev-3950	251	4	wells	wells	PROPN
inlawrev-3950	251	5	fargo	fargo	PROPN
inlawrev-3950	251	6	'	'	PART
inlawrev-3950	251	7	s	s	PART
inlawrev-3950	251	8	underwriting	underwriting	NOUN
inlawrev-3950	251	9	decisions	decision	NOUN
inlawrev-3950	251	10	result	result	VERB
inlawrev-3950	251	11	in	in	ADP
inlawrev-3950	251	12	foreclosure	foreclosure	NOUN
inlawrev-3950	251	13	nearly	nearly	ADV
inlawrev-3950	251	14	four	four	NUM
inlawrev-3950	251	15	times	time	NOUN
inlawrev-3950	251	16	as	as	ADV
inlawrev-3950	251	17	often	often	ADV
inlawrev-3950	251	18	with	with	ADP
inlawrev-3950	251	19	respect	respect	NOUN
inlawrev-3950	251	20	to	to	ADP
inlawrev-3950	251	21	african	african	ADJ
inlawrev-3950	251	22	-	-	PUNCT
inlawrev-3950	251	23	american	american	ADJ
inlawrev-3950	251	24	than	than	ADP
inlawrev-3950	251	25	white	white	ADJ
inlawrev-3950	251	26	neighborhoods	neighborhood	NOUN
inlawrev-3950	251	27	means	mean	VERB
inlawrev-3950	251	28	that	that	SCONJ
inlawrev-3950	251	29	it	it	PRON
inlawrev-3950	251	30	is	be	AUX
inlawrev-3950	251	31	not	not	PART
inlawrev-3950	251	32	following	follow	VERB
inlawrev-3950	251	33	fair	fair	ADJ
inlawrev-3950	251	34	or	or	CCONJ
inlawrev-3950	251	35	responsible	responsible	ADJ
inlawrev-3950	251	36	underwriting	underwriting	NOUN
inlawrev-3950	251	37	practices	practice	NOUN
inlawrev-3950	251	38	with	with	ADP
inlawrev-3950	251	39	respect	respect	NOUN
inlawrev-3950	251	40	to	to	ADP
inlawrev-3950	251	41	african	african	ADJ
inlawrev-3950	251	42	-	-	PUNCT
inlawrev-3950	251	43	american	american	ADJ
inlawrev-3950	251	44	customers.^^	customers.^^	PROPN
inlawrev-3950	251	45	c	c	PROPN
inlawrev-3950	251	46	loan	loan	NOUN
inlawrev-3950	251	47	characteristics	characteristic	NOUN
inlawrev-3950	251	48	and	and	CCONJ
inlawrev-3950	251	49	practices	practice	NOUN
inlawrev-3950	251	50	baltimore	baltimore	PROPN
inlawrev-3950	251	51	's	's	PART
inlawrev-3950	251	52	complaint	complaint	NOUN
inlawrev-3950	251	53	identifies	identify	VERB
inlawrev-3950	251	54	four	four	NUM
inlawrev-3950	251	55	additional	additional	ADJ
inlawrev-3950	251	56	aspects	aspect	NOUN
inlawrev-3950	251	57	of	of	ADP
inlawrev-3950	251	58	wells	wells	PROPN
inlawrev-3950	251	59	fargo	fargo	PROPN
inlawrev-3950	251	60	'	'	PART
inlawrev-3950	251	61	s	s	NOUN
inlawrev-3950	251	62	loans	loan	NOUN
inlawrev-3950	251	63	and	and	CCONJ
inlawrev-3950	251	64	lending	lending	NOUN
inlawrev-3950	251	65	practices	practice	NOUN
inlawrev-3950	251	66	that	that	PRON
inlawrev-3950	251	67	it	it	PRON
inlawrev-3950	251	68	alleges	allege	VERB
inlawrev-3950	251	69	support	support	VERB
inlawrev-3950	251	70	the	the	DET
inlawrev-3950	251	71	inference	inference	NOUN
inlawrev-3950	251	72	that	that	PRON
inlawrev-3950	251	73	the	the	DET
inlawrev-3950	251	74	foreclosure	foreclosure	NOUN
inlawrev-3950	251	75	disparity	disparity	NOUN
inlawrev-3950	251	76	is	be	AUX
inlawrev-3950	251	77	the	the	DET
inlawrev-3950	251	78	result	result	NOUN
inlawrev-3950	251	79	of	of	ADP
inlawrev-3950	251	80	improper	improper	ADJ
inlawrev-3950	251	81	targeting	targeting	NOUN
inlawrev-3950	251	82	and	and	CCONJ
inlawrev-3950	251	83	irresponsible	irresponsible	ADJ
inlawrev-3950	251	84	underwriting	underwriting	NOUN
inlawrev-3950	251	85	.	.	PUNCT
inlawrev-3950	252	1	each	each	PRON
inlawrev-3950	252	2	is	be	AUX
inlawrev-3950	252	3	consistent	consistent	ADJ
inlawrev-3950	252	4	with	with	ADP
inlawrev-3950	252	5	the	the	DET
inlawrev-3950	252	6	conclusion	conclusion	NOUN
inlawrev-3950	252	7	that	that	SCONJ
inlawrev-3950	252	8	wells	wells	PROPN
inlawrev-3950	252	9	fargo	fargo	PROPN
inlawrev-3950	252	10	has	have	AUX
inlawrev-3950	252	11	effectively	effectively	ADV
inlawrev-3950	252	12	placed	place	VERB
inlawrev-3950	252	13	an	an	DET
inlawrev-3950	252	14	unlawful	unlawful	ADJ
inlawrev-3950	252	15	"	"	PUNCT
inlawrev-3950	252	16	thumb	thumb	NOUN
inlawrev-3950	252	17	on	on	ADP
inlawrev-3950	252	18	the	the	DET
inlawrev-3950	252	19	scale	scale	NOUN
inlawrev-3950	252	20	"	"	PUNCT
inlawrev-3950	252	21	when	when	SCONJ
inlawrev-3950	252	22	it	it	PRON
inlawrev-3950	252	23	underwrites	underwrite	VERB
inlawrev-3950	252	24	loans	loan	NOUN
inlawrev-3950	252	25	in	in	ADP
inlawrev-3950	252	26	baltimore	baltimore	PROPN
inlawrev-3950	252	27	's	's	PART
inlawrev-3950	252	28	african	african	ADJ
inlawrev-3950	252	29	-	-	PUNCT
inlawrev-3950	252	30	american	american	ADJ
inlawrev-3950	252	31	neighborhoods	neighborhood	NOUN
inlawrev-3950	252	32	.	.	PUNCT
inlawrev-3950	253	1	moreover	moreover	ADV
inlawrev-3950	253	2	,	,	PUNCT
inlawrev-3950	253	3	according	accord	VERB
inlawrev-3950	253	4	to	to	ADP
inlawrev-3950	253	5	the	the	DET
inlawrev-3950	253	6	city	city	NOUN
inlawrev-3950	253	7	,	,	PUNCT
inlawrev-3950	253	8	each	each	PRON
inlawrev-3950	253	9	of	of	ADP
inlawrev-3950	253	10	these	these	DET
inlawrev-3950	253	11	factors	factor	NOUN
inlawrev-3950	253	12	is	be	AUX
inlawrev-3950	253	13	consistent	consistent	ADJ
inlawrev-3950	253	14	with	with	ADP
inlawrev-3950	253	15	the	the	DET
inlawrev-3950	253	16	conclusion	conclusion	NOUN
inlawrev-3950	253	17	that	that	SCONJ
inlawrev-3950	253	18	wells	wells	PROPN
inlawrev-3950	253	19	fargo	fargo	PROPN
inlawrev-3950	253	20	is	be	AUX
inlawrev-3950	253	21	engaged	engage	VERB
inlawrev-3950	253	22	in	in	ADP
inlawrev-3950	253	23	unfair	unfair	ADJ
inlawrev-3950	253	24	and	and	CCONJ
inlawrev-3950	253	25	discriminatory	discriminatory	ADJ
inlawrev-3950	253	26	practices	practice	NOUN
inlawrev-3950	253	27	in	in	ADP
inlawrev-3950	253	28	the	the	DET
inlawrev-3950	253	29	city	city	NOUN
inlawrev-3950	253	30	'	'	PART
inlawrev-3950	253	31	s	s	NOUN
inlawrev-3950	253	32	black	black	ADJ
inlawrev-3950	253	33	community	community	NOUN
inlawrev-3950	253	34	that	that	PRON
inlawrev-3950	253	35	have	have	VERB
inlawrev-3950	253	36	the	the	DET
inlawrev-3950	253	37	"	"	PUNCT
inlawrev-3950	253	38	effect	effect	NOUN
inlawrev-3950	253	39	and	and	CCONJ
inlawrev-3950	253	40	purpose	purpose	NOUN
inlawrev-3950	253	41	"	"	PUNCT
inlawrev-3950	253	42	of	of	ADP
inlawrev-3950	253	43	placing	place	VERB
inlawrev-3950	253	44	inexperienced	inexperienced	ADJ
inlawrev-3950	253	45	and	and	CCONJ
inlawrev-3950	253	46	underserved	underserved	ADJ
inlawrev-3950	253	47	borrowers	borrower	NOUN
inlawrev-3950	253	48	in	in	ADP
inlawrev-3950	253	49	loans	loan	NOUN
inlawrev-3950	253	50	they	they	PRON
inlawrev-3950	253	51	can	can	AUX
inlawrev-3950	253	52	not	not	PART
inlawrev-3950	253	53	afford	afford	VERB
inlawrev-3950	253	54	without	without	ADP
inlawrev-3950	253	55	regard	regard	NOUN
inlawrev-3950	253	56	to	to	ADP
inlawrev-3950	253	57	the	the	DET
inlawrev-3950	253	58	borrower	borrower	NOUN
inlawrev-3950	253	59	's	's	PART
inlawrev-3950	253	60	best	good	ADJ
inlawrev-3950	253	61	interest	interest	NOUN
inlawrev-3950	253	62	,	,	PUNCT
inlawrev-3950	253	63	the	the	DET
inlawrev-3950	253	64	borrower	borrower	NOUN
inlawrev-3950	253	65	's	's	PART
inlawrev-3950	253	66	ability	ability	NOUN
inlawrev-3950	253	67	to	to	PART
inlawrev-3950	253	68	repay	repay	VERB
inlawrev-3950	253	69	,	,	PUNCT
inlawrev-3950	253	70	or	or	CCONJ
inlawrev-3950	253	71	the	the	DET
inlawrev-3950	253	72	financial	financial	ADJ
inlawrev-3950	253	73	health	health	NOUN
inlawrev-3950	253	74	of	of	ADP
inlawrev-3950	253	75	underserved	underserved	ADJ
inlawrev-3950	253	76	minority	minority	NOUN
inlawrev-3950	253	77	neighborhoods.^^	neighborhoods.^^	NOUN
inlawrev-3950	253	78	first	first	ADV
inlawrev-3950	253	79	,	,	PUNCT
inlawrev-3950	253	80	publicly	publicly	ADV
inlawrev-3950	253	81	available	available	ADJ
inlawrev-3950	253	82	data	datum	NOUN
inlawrev-3950	253	83	reported	report	VERB
inlawrev-3950	253	84	by	by	ADP
inlawrev-3950	253	85	wells	wells	PROPN
inlawrev-3950	253	86	fargo	fargo	PROPN
inlawrev-3950	253	87	to	to	ADP
inlawrev-3950	253	88	federal	federal	ADJ
inlawrev-3950	253	89	regulators	regulator	NOUN
inlawrev-3950	253	90	pursuant	pursuant	ADJ
inlawrev-3950	253	91	to	to	ADP
inlawrev-3950	253	92	the	the	DET
inlawrev-3950	253	93	home	home	NOUN
inlawrev-3950	253	94	mortgage	mortgage	NOUN
inlawrev-3950	253	95	disclosure	disclosure	PROPN
inlawrev-3950	253	96	act	act	NOUN
inlawrev-3950	253	97	shows	show	VERB
inlawrev-3950	253	98	that	that	SCONJ
inlawrev-3950	253	99	in	in	ADP
inlawrev-3950	253	100	2006	2006	NUM
inlawrev-3950	253	101	wells	wells	PROPN
inlawrev-3950	253	102	fargo	fargo	PROPN
inlawrev-3950	253	103	74	74	NUM
inlawrev-3950	253	104	.	.	PUNCT
inlawrev-3950	254	1	i	i	PRON
inlawrev-3950	254	2	d.	d.	PROPN
inlawrev-3950	254	3	is	be	AUX
inlawrev-3950	254	4	.	.	PUNCT
inlawrev-3950	255	1	id.\a2	id.\a2	ADV
inlawrev-3950	255	2	>	>	X
inlawrev-3950	255	3	.	.	PROPN
inlawrev-3950	256	1	76	76	NUM
inlawrev-3950	256	2	.	.	PUNCT
inlawrev-3950	257	1	ld.\aa	ld.\aa	PROPN
inlawrev-3950	257	2	.	.	PUNCT
inlawrev-3950	258	1	11	11	NUM
inlawrev-3950	258	2	.	.	X
inlawrev-3950	259	1	mffl4,46	mffl4,46	NOUN
inlawrev-3950	259	2	.	.	PUNCT
inlawrev-3950	260	1	2008	2008	NUM
inlawrev-3950	260	2	]	]	PUNCT
inlawrev-3950	260	3	future	future	NOUN
inlawrev-3950	260	4	of	of	ADP
inlawrev-3950	260	5	the	the	DET
inlawrev-3950	260	6	fair	fair	ADJ
inlawrev-3950	260	7	housing	housing	NOUN
inlawrev-3950	260	8	act	act	NOUN
inlawrev-3950	260	9	64	64	NUM
inlawrev-3950	260	10	1	1	NUM
inlawrev-3950	260	11	made	make	VERB
inlawrev-3950	260	12	high	high	ADJ
inlawrev-3950	260	13	-	-	PUNCT
inlawrev-3950	260	14	cost	cost	NOUN
inlawrev-3950	260	15	loans	loan	NOUN
inlawrev-3950	260	16	(	(	PUNCT
inlawrev-3950	260	17	i.e.	i.e.	X
inlawrev-3950	260	18	,	,	PUNCT
inlawrev-3950	260	19	loans	loan	NOUN
inlawrev-3950	260	20	with	with	ADP
inlawrev-3950	260	21	an	an	DET
inlawrev-3950	260	22	interest	interest	NOUN
inlawrev-3950	260	23	rate	rate	NOUN
inlawrev-3950	260	24	that	that	PRON
inlawrev-3950	260	25	was	be	AUX
inlawrev-3950	260	26	at	at	ADV
inlawrev-3950	260	27	least	least	ADV
inlawrev-3950	260	28	three	three	NUM
inlawrev-3950	260	29	percentage	percentage	NOUN
inlawrev-3950	260	30	points	point	NOUN
inlawrev-3950	260	31	above	above	ADP
inlawrev-3950	260	32	a	a	DET
inlawrev-3950	260	33	federally	federally	ADV
inlawrev-3950	260	34	-	-	PUNCT
inlawrev-3950	260	35	established	establish	VERB
inlawrev-3950	260	36	benchmark	benchmark	NOUN
inlawrev-3950	260	37	)	)	PUNCT
inlawrev-3950	260	38	to	to	ADP
inlawrev-3950	260	39	65	65	NUM
inlawrev-3950	260	40	%	%	NOUN
inlawrev-3950	260	41	of	of	ADP
inlawrev-3950	260	42	its	its	PRON
inlawrev-3950	260	43	african	african	ADJ
inlawrev-3950	260	44	-	-	PUNCT
inlawrev-3950	260	45	american	american	ADJ
inlawrev-3950	260	46	mortgage	mortgage	NOUN
inlawrev-3950	260	47	customers	customer	NOUN
inlawrev-3950	260	48	in	in	ADP
inlawrev-3950	260	49	baltimore	baltimore	PROPN
inlawrev-3950	260	50	,	,	PUNCT
inlawrev-3950	260	51	but	but	CCONJ
inlawrev-3950	260	52	only	only	ADV
inlawrev-3950	260	53	to	to	PART
inlawrev-3950	260	54	15	15	NUM
inlawrev-3950	260	55	%	%	NOUN
inlawrev-3950	260	56	of	of	ADP
inlawrev-3950	260	57	its	its	PRON
inlawrev-3950	260	58	white	white	ADJ
inlawrev-3950	260	59	customers	customer	NOUN
inlawrev-3950	260	60	in	in	ADP
inlawrev-3950	260	61	baltimore/^	baltimore/^	NOUN
inlawrev-3950	260	62	in	in	ADP
inlawrev-3950	260	63	2005	2005	NUM
inlawrev-3950	260	64	,	,	PUNCT
inlawrev-3950	260	65	the	the	DET
inlawrev-3950	260	66	respective	respective	ADJ
inlawrev-3950	260	67	rates	rate	NOUN
inlawrev-3950	260	68	were	be	AUX
inlawrev-3950	260	69	54	54	NUM
inlawrev-3950	260	70	%	%	NOUN
inlawrev-3950	260	71	and	and	CCONJ
inlawrev-3950	260	72	14	14	NUM
inlawrev-3950	260	73	%	%	NOUN
inlawrev-3950	260	74	;	;	PUNCT
inlawrev-3950	260	75	while	while	SCONJ
inlawrev-3950	260	76	in	in	ADP
inlawrev-3950	260	77	2004	2004	NUM
inlawrev-3950	260	78	,	,	PUNCT
inlawrev-3950	260	79	the	the	DET
inlawrev-3950	260	80	respective	respective	ADJ
inlawrev-3950	260	81	rates	rate	NOUN
inlawrev-3950	260	82	were	be	AUX
inlawrev-3950	260	83	31	31	NUM
inlawrev-3950	260	84	%	%	NOUN
inlawrev-3950	260	85	and	and	CCONJ
inlawrev-3950	260	86	10%7^	10%7^	NUM
inlawrev-3950	260	87	the	the	DET
inlawrev-3950	260	88	proportion	proportion	NOUN
inlawrev-3950	260	89	of	of	ADP
inlawrev-3950	260	90	refinance	refinance	NOUN
inlawrev-3950	260	91	loans	loan	NOUN
inlawrev-3950	260	92	that	that	PRON
inlawrev-3950	260	93	are	be	AUX
inlawrev-3950	260	94	high	high	ADJ
inlawrev-3950	260	95	cost	cost	NOUN
inlawrev-3950	260	96	is	be	AUX
inlawrev-3950	260	97	especially	especially	ADV
inlawrev-3950	260	98	pronounced	pronounce	VERB
inlawrev-3950	260	99	.	.	PUNCT
inlawrev-3950	261	1	in	in	ADP
inlawrev-3950	261	2	2004	2004	NUM
inlawrev-3950	261	3	,	,	PUNCT
inlawrev-3950	261	4	2005	2005	NUM
inlawrev-3950	261	5	,	,	PUNCT
inlawrev-3950	261	6	and	and	CCONJ
inlawrev-3950	261	7	2006	2006	NUM
inlawrev-3950	261	8	,	,	PUNCT
inlawrev-3950	261	9	a	a	DET
inlawrev-3950	261	10	wells	wells	PROPN
inlawrev-3950	261	11	fargo	fargo	PROPN
inlawrev-3950	261	12	refinance	refinance	PROPN
inlawrev-3950	261	13	loan	loan	NOUN
inlawrev-3950	261	14	to	to	ADP
inlawrev-3950	261	15	an	an	DET
inlawrev-3950	261	16	african	african	ADJ
inlawrev-3950	261	17	-	-	PUNCT
inlawrev-3950	261	18	american	american	ADJ
inlawrev-3950	261	19	borrower	borrower	NOUN
inlawrev-3950	261	20	was	be	AUX
inlawrev-3950	261	21	2.5	2.5	NUM
inlawrev-3950	261	22	times	time	NOUN
inlawrev-3950	261	23	more	more	ADV
inlawrev-3950	261	24	likely	likely	ADJ
inlawrev-3950	261	25	to	to	PART
inlawrev-3950	261	26	be	be	AUX
inlawrev-3950	261	27	high	high	ADJ
inlawrev-3950	261	28	cost	cost	NOUN
inlawrev-3950	261	29	than	than	ADP
inlawrev-3950	261	30	a	a	DET
inlawrev-3950	261	31	refinance	refinance	NOUN
inlawrev-3950	261	32	loan	loan	NOUN
inlawrev-3950	261	33	to	to	ADP
inlawrev-3950	261	34	a	a	DET
inlawrev-3950	261	35	white	white	ADJ
inlawrev-3950	261	36	borrower	borrower	NOUN
inlawrev-3950	261	37	.	.	PUNCT
inlawrev-3950	261	38	^^	^^	PUNCT
inlawrev-3950	262	1	while	while	SCONJ
inlawrev-3950	262	2	the	the	DET
inlawrev-3950	262	3	fact	fact	NOUN
inlawrev-3950	262	4	that	that	SCONJ
inlawrev-3950	262	5	wells	wells	PROPN
inlawrev-3950	262	6	fargo	fargo	PROPN
inlawrev-3950	262	7	'	'	PART
inlawrev-3950	262	8	s	s	PART
inlawrev-3950	262	9	high	high	ADJ
inlawrev-3950	262	10	cost	cost	NOUN
inlawrev-3950	262	11	loans	loan	NOUN
inlawrev-3950	262	12	are	be	AUX
inlawrev-3950	262	13	more	more	ADV
inlawrev-3950	262	14	heavily	heavily	ADV
inlawrev-3950	262	15	concentrated	concentrated	ADJ
inlawrev-3950	262	16	in	in	ADP
inlawrev-3950	262	17	baltimore	baltimore	PROPN
inlawrev-3950	262	18	's	's	PART
inlawrev-3950	262	19	african	african	ADJ
inlawrev-3950	262	20	-	-	PUNCT
inlawrev-3950	262	21	american	american	ADJ
inlawrev-3950	262	22	neighborhoods	neighborhood	NOUN
inlawrev-3950	262	23	does	do	AUX
inlawrev-3950	262	24	not	not	PART
inlawrev-3950	262	25	prove	prove	VERB
inlawrev-3950	262	26	price	price	NOUN
inlawrev-3950	262	27	discrimination	discrimination	NOUN
inlawrev-3950	262	28	,	,	PUNCT
inlawrev-3950	262	29	it	it	PRON
inlawrev-3950	262	30	is	be	AUX
inlawrev-3950	262	31	consistent	consistent	ADJ
inlawrev-3950	262	32	with	with	ADP
inlawrev-3950	262	33	such	such	ADJ
inlawrev-3950	262	34	practices	practice	NOUN
inlawrev-3950	262	35	,	,	PUNCT
inlawrev-3950	262	36	as	as	ADV
inlawrev-3950	262	37	well	well	ADV
inlawrev-3950	262	38	as	as	ADP
inlawrev-3950	262	39	other	other	ADJ
inlawrev-3950	262	40	types	type	NOUN
inlawrev-3950	262	41	of	of	ADP
inlawrev-3950	262	42	improper	improper	ADJ
inlawrev-3950	262	43	underwriting	underwriting	NOUN
inlawrev-3950	262	44	often	often	ADV
inlawrev-3950	262	45	found	find	VERB
inlawrev-3950	262	46	where	where	SCONJ
inlawrev-3950	262	47	there	there	PRON
inlawrev-3950	262	48	is	be	VERB
inlawrev-3950	262	49	reverse	reverse	ADJ
inlawrev-3950	262	50	redlining.^	redlining.^	NOUN
inlawrev-3950	262	51	'	'	PUNCT
inlawrev-3950	262	52	within	within	ADP
inlawrev-3950	262	53	the	the	DET
inlawrev-3950	262	54	subset	subset	NOUN
inlawrev-3950	262	55	of	of	ADP
inlawrev-3950	262	56	high	high	ADJ
inlawrev-3950	262	57	-	-	PUNCT
inlawrev-3950	262	58	cost	cost	NOUN
inlawrev-3950	262	59	loans	loan	NOUN
inlawrev-3950	262	60	,	,	PUNCT
inlawrev-3950	262	61	however	however	ADV
inlawrev-3950	262	62	,	,	PUNCT
inlawrev-3950	262	63	the	the	DET
inlawrev-3950	262	64	fact	fact	NOUN
inlawrev-3950	262	65	that	that	SCONJ
inlawrev-3950	262	66	a	a	DET
inlawrev-3950	262	67	disproportionately	disproportionately	ADV
inlawrev-3950	262	68	large	large	ADJ
inlawrev-3950	262	69	percentage	percentage	NOUN
inlawrev-3950	262	70	ofwells	ofwell	NOUN
inlawrev-3950	262	71	fargo	fargo	NOUN
inlawrev-3950	262	72	'	'	PUNCT
inlawrev-3950	262	73	s	s	PART
inlawrev-3950	262	74	high	high	ADJ
inlawrev-3950	262	75	-	-	PUNCT
inlawrev-3950	262	76	cost	cost	NOUN
inlawrev-3950	262	77	loans	loan	NOUN
inlawrev-3950	262	78	in	in	ADP
inlawrev-3950	262	79	african	african	ADJ
inlawrev-3950	262	80	-	-	PUNCT
inlawrev-3950	262	81	american	american	ADJ
inlawrev-3950	262	82	neighborhoods	neighborhood	NOUN
inlawrev-3950	262	83	are	be	AUX
inlawrev-3950	262	84	refinance	refinance	NOUN
inlawrev-3950	262	85	loans	loan	NOUN
inlawrev-3950	262	86	is	be	AUX
inlawrev-3950	262	87	particularly	particularly	ADV
inlawrev-3950	262	88	significant	significant	ADJ
inlawrev-3950	262	89	,	,	PUNCT
inlawrev-3950	262	90	for	for	SCONJ
inlawrev-3950	262	91	it	it	PRON
inlawrev-3950	262	92	is	be	AUX
inlawrev-3950	262	93	both	both	ADV
inlawrev-3950	262	94	consistent	consistent	ADJ
inlawrev-3950	262	95	with	with	ADP
inlawrev-3950	262	96	and	and	CCONJ
inlawrev-3950	262	97	indicative	indicative	ADJ
inlawrev-3950	262	98	of	of	ADP
inlawrev-3950	262	99	a	a	DET
inlawrev-3950	262	100	deceptive	deceptive	ADJ
inlawrev-3950	262	101	and	and	CCONJ
inlawrev-3950	262	102	predatory	predatory	ADJ
inlawrev-3950	262	103	subprime	subprime	ADJ
inlawrev-3950	262	104	practice	practice	NOUN
inlawrev-3950	262	105	that	that	PRON
inlawrev-3950	262	106	involves	involve	VERB
inlawrev-3950	262	107	encouraging	encourage	VERB
inlawrev-3950	262	108	minority	minority	NOUN
inlawrev-3950	262	109	borrowers	borrower	NOUN
inlawrev-3950	262	110	who	who	PRON
inlawrev-3950	262	111	already	already	ADV
inlawrev-3950	262	112	have	have	VERB
inlawrev-3950	262	113	loans	loan	NOUN
inlawrev-3950	262	114	to	to	PART
inlawrev-3950	262	115	refinance	refinance	VERB
inlawrev-3950	262	116	at	at	ADP
inlawrev-3950	262	117	excessive	excessive	ADJ
inlawrev-3950	262	118	cost	cost	NOUN
inlawrev-3950	262	119	with	with	ADP
inlawrev-3950	262	120	little	little	ADJ
inlawrev-3950	262	121	benefit.^^	benefit.^^	NOUN
inlawrev-3950	262	122	this	this	DET
inlawrev-3950	262	123	practice	practice	NOUN
inlawrev-3950	262	124	,	,	PUNCT
inlawrev-3950	262	125	baltimore	baltimore	PROPN
inlawrev-3950	262	126	alleges	allege	VERB
inlawrev-3950	262	127	,	,	PUNCT
inlawrev-3950	262	128	''	''	PUNCT
inlawrev-3950	262	129	increases	increase	VERB
inlawrev-3950	262	130	the	the	DET
inlawrev-3950	262	131	likelihood	likelihood	NOUN
inlawrev-3950	262	132	of	of	ADP
inlawrev-3950	262	133	foreclosure	foreclosure	NOUN
inlawrev-3950	262	134	and	and	CCONJ
inlawrev-3950	262	135	,	,	PUNCT
inlawrev-3950	262	136	upon	upon	SCONJ
inlawrev-3950	262	137	information	information	NOUN
inlawrev-3950	262	138	and	and	CCONJ
inlawrev-3950	262	139	belief	belief	NOUN
inlawrev-3950	262	140	,	,	PUNCT
inlawrev-3950	262	141	has	have	AUX
inlawrev-3950	262	142	contributed	contribute	VERB
inlawrev-3950	262	143	to	to	ADP
inlawrev-3950	262	144	the	the	DET
inlawrev-3950	262	145	disproportionately	disproportionately	ADV
inlawrev-3950	262	146	high	high	ADJ
inlawrev-3950	262	147	rate	rate	NOUN
inlawrev-3950	262	148	of	of	ADP
inlawrev-3950	262	149	foreclosures	foreclosure	NOUN
inlawrev-3950	262	150	in	in	ADP
inlawrev-3950	262	151	baltimore	baltimore	PROPN
inlawrev-3950	262	152	's	's	PART
inlawrev-3950	262	153	african	african	ADJ
inlawrev-3950	262	154	-	-	PUNCT
inlawrev-3950	262	155	american	american	ADJ
inlawrev-3950	262	156	communities	community	NOUN
inlawrev-3950	262	157	.	.	PUNCT
inlawrev-3950	263	1	second	second	ADJ
inlawrev-3950	263	2	,	,	PUNCT
inlawrev-3950	263	3	according	accord	VERB
inlawrev-3950	263	4	to	to	ADP
inlawrev-3950	263	5	a	a	DET
inlawrev-3950	263	6	wells	wells	PROPN
inlawrev-3950	263	7	fargo	fargo	PROPN
inlawrev-3950	263	8	pricing	pricing	PROPN
inlawrev-3950	263	9	sheet	sheet	NOUN
inlawrev-3950	263	10	from	from	ADP
inlawrev-3950	263	11	2005	2005	NUM
inlawrev-3950	263	12	,	,	PUNCT
inlawrev-3950	263	13	the	the	DET
inlawrev-3950	263	14	bank	bank	NOUN
inlawrev-3950	263	15	requires	require	VERB
inlawrev-3950	263	16	a	a	DET
inlawrev-3950	263	17	50	50	NUM
inlawrev-3950	263	18	basis	basis	NOUN
inlawrev-3950	263	19	point	point	NOUN
inlawrev-3950	263	20	increase	increase	NOUN
inlawrev-3950	263	21	in	in	ADP
inlawrev-3950	263	22	the	the	DET
inlawrev-3950	263	23	loan	loan	NOUN
inlawrev-3950	263	24	rate	rate	NOUN
inlawrev-3950	263	25	for	for	ADP
inlawrev-3950	263	26	loans	loan	NOUN
inlawrev-3950	263	27	of	of	ADP
inlawrev-3950	263	28	$	$	SYM
inlawrev-3950	263	29	75,000	75,000	NUM
inlawrev-3950	263	30	or	or	CCONJ
inlawrev-3950	263	31	less	less	ADJ
inlawrev-3950	263	32	,	,	PUNCT
inlawrev-3950	263	33	a	a	DET
inlawrev-3950	263	34	12.5	12.5	NUM
inlawrev-3950	263	35	basis	basis	NOUN
inlawrev-3950	263	36	point	point	NOUN
inlawrev-3950	263	37	decrease	decrease	NOUN
inlawrev-3950	263	38	for	for	ADP
inlawrev-3950	263	39	loans	loan	NOUN
inlawrev-3950	263	40	of	of	ADP
inlawrev-3950	263	41	$	$	SYM
inlawrev-3950	263	42	150,000	150,000	NUM
inlawrev-3950	263	43	to	to	PART
inlawrev-3950	263	44	$	$	SYM
inlawrev-3950	263	45	400,000	400,000	NUM
inlawrev-3950	263	46	,	,	PUNCT
inlawrev-3950	263	47	and	and	CCONJ
inlawrev-3950	263	48	a	a	DET
inlawrev-3950	263	49	25	25	NUM
inlawrev-3950	263	50	basis	basis	NOUN
inlawrev-3950	263	51	point	point	NOUN
inlawrev-3950	263	52	decrease	decrease	NOUN
inlawrev-3950	263	53	for	for	ADP
inlawrev-3950	263	54	loans	loan	NOUN
inlawrev-3950	263	55	larger	large	ADJ
inlawrev-3950	263	56	than	than	ADP
inlawrev-3950	263	57	$	$	SYM
inlawrev-3950	263	58	400,000.^"^	400,000.^"^	NUM
inlawrev-3950	263	59	these	these	DET
inlawrev-3950	263	60	charges	charge	NOUN
inlawrev-3950	263	61	and	and	CCONJ
inlawrev-3950	263	62	discounts	discount	NOUN
inlawrev-3950	263	63	are	be	AUX
inlawrev-3950	263	64	applied	apply	VERB
inlawrev-3950	263	65	after	after	SCONJ
inlawrev-3950	263	66	wells	wells	PROPN
inlawrev-3950	263	67	fargo	fargo	PROPN
inlawrev-3950	263	68	has	have	AUX
inlawrev-3950	263	69	supposedly	supposedly	ADV
inlawrev-3950	263	70	priced	price	VERB
inlawrev-3950	263	71	the	the	DET
inlawrev-3950	263	72	borrower	borrower	NOUN
inlawrev-3950	263	73	based	base	VERB
inlawrev-3950	263	74	on	on	ADP
inlawrev-3950	263	75	creditworthiness	creditworthiness	PROPN
inlawrev-3950	263	76	.	.	PUNCT
inlawrev-3950	264	1	the	the	DET
inlawrev-3950	264	2	city	city	NOUN
inlawrev-3950	264	3	alleges	allege	VERB
inlawrev-3950	264	4	that	that	SCONJ
inlawrev-3950	264	5	these	these	DET
inlawrev-3950	264	6	pricing	pricing	NOUN
inlawrev-3950	264	7	rules	rule	NOUN
inlawrev-3950	264	8	have	have	VERB
inlawrev-3950	264	9	a	a	DET
inlawrev-3950	264	10	clear	clear	ADJ
inlawrev-3950	264	11	and	and	CCONJ
inlawrev-3950	264	12	foreseeable	foreseeable	ADJ
inlawrev-3950	264	13	disproportionate	disproportionate	ADJ
inlawrev-3950	264	14	adverse	adverse	ADJ
inlawrev-3950	264	15	impact	impact	NOUN
inlawrev-3950	264	16	on	on	ADP
inlawrev-3950	264	17	african	african	ADJ
inlawrev-3950	264	18	-	-	PUNCT
inlawrev-3950	264	19	american	american	ADJ
inlawrev-3950	264	20	borrowers	borrower	NOUN
inlawrev-3950	264	21	.	.	PUNCT
inlawrev-3950	265	1	loans	loan	NOUN
inlawrev-3950	265	2	originated	originate	VERB
inlawrev-3950	265	3	by	by	ADP
inlawrev-3950	265	4	wells	wells	PROPN
inlawrev-3950	265	5	fargo	fargo	PROPN
inlawrev-3950	265	6	in	in	ADP
inlawrev-3950	265	7	baltimore	baltimore	PROPN
inlawrev-3950	265	8	from	from	ADP
inlawrev-3950	265	9	2004	2004	NUM
inlawrev-3950	265	10	through	through	ADP
inlawrev-3950	265	11	2006	2006	NUM
inlawrev-3950	265	12	in	in	ADP
inlawrev-3950	265	13	the	the	DET
inlawrev-3950	265	14	amount	amount	NOUN
inlawrev-3950	265	15	of	of	ADP
inlawrev-3950	265	16	$	$	SYM
inlawrev-3950	265	17	75,000	75,000	NUM
inlawrev-3950	265	18	and	and	CCONJ
inlawrev-3950	265	19	less	less	ADJ
inlawrev-3950	265	20	were	be	AUX
inlawrev-3950	265	21	nearly	nearly	ADV
inlawrev-3950	265	22	twice	twice	ADV
inlawrev-3950	265	23	as	as	ADV
inlawrev-3950	265	24	likely	likely	ADJ
inlawrev-3950	265	25	to	to	PART
inlawrev-3950	265	26	be	be	AUX
inlawrev-3950	265	27	in	in	ADP
inlawrev-3950	265	28	census	census	NOUN
inlawrev-3950	265	29	tracts	tract	NOUN
inlawrev-3950	265	30	where	where	SCONJ
inlawrev-3950	265	31	the	the	DET
inlawrev-3950	265	32	population	population	NOUN
inlawrev-3950	265	33	is	be	AUX
inlawrev-3950	265	34	predominantly	predominantly	ADV
inlawrev-3950	265	35	african	african	ADJ
inlawrev-3950	265	36	-	-	ADJ
inlawrev-3950	265	37	american	american	ADJ
inlawrev-3950	265	38	than	than	ADP
inlawrev-3950	265	39	in	in	ADP
inlawrev-3950	265	40	tracts	tract	NOUN
inlawrev-3950	265	41	where	where	SCONJ
inlawrev-3950	265	42	the	the	DET
inlawrev-3950	265	43	population	population	NOUN
inlawrev-3950	265	44	is	be	AUX
inlawrev-3950	265	45	predominantly	predominantly	ADV
inlawrev-3950	265	46	white.^^	white.^^	VERB
inlawrev-3950	266	1	by	by	ADP
inlawrev-3950	266	2	contrast	contrast	NOUN
inlawrev-3950	266	3	,	,	PUNCT
inlawrev-3950	266	4	loans	loan	NOUN
inlawrev-3950	266	5	originated	originate	VERB
inlawrev-3950	266	6	by	by	ADP
inlawrev-3950	266	7	wells	wells	PROPN
inlawrev-3950	266	8	fargo	fargo	PROPN
inlawrev-3950	266	9	in	in	ADP
inlawrev-3950	266	10	baltimore	baltimore	PROPN
inlawrev-3950	266	11	of	of	ADP
inlawrev-3950	266	12	more	more	ADJ
inlawrev-3950	266	13	than	than	ADP
inlawrev-3950	266	14	$	$	SYM
inlawrev-3950	266	15	150,000	150,000	NUM
inlawrev-3950	266	16	were	be	AUX
inlawrev-3950	266	17	nearly	nearly	ADV
inlawrev-3950	266	18	six	six	NUM
inlawrev-3950	266	19	times	time	NOUN
inlawrev-3950	266	20	as	as	ADV
inlawrev-3950	266	21	likely	likely	ADJ
inlawrev-3950	266	22	to	to	PART
inlawrev-3950	266	23	be	be	AUX
inlawrev-3950	266	24	in	in	ADP
inlawrev-3950	266	25	tracts	tract	NOUN
inlawrev-3950	266	26	that	that	PRON
inlawrev-3950	266	27	are	be	AUX
inlawrev-3950	266	28	predominantly	predominantly	ADV
inlawrev-3950	266	29	white	white	ADJ
inlawrev-3950	266	30	than	than	ADP
inlawrev-3950	266	31	in	in	ADP
inlawrev-3950	266	32	tracts	tract	NOUN
inlawrev-3950	266	33	that	that	PRON
inlawrev-3950	266	34	are	be	AUX
inlawrev-3950	266	35	predominantly	predominantly	ADV
inlawrev-3950	266	36	african	african	ADJ
inlawrev-3950	266	37	-	-	PUNCT
inlawrev-3950	266	38	american.^^	american.^^	NOUN
inlawrev-3950	266	39	this	this	PRON
inlawrev-3950	266	40	too	too	ADV
inlawrev-3950	266	41	,	,	PUNCT
inlawrev-3950	266	42	the	the	DET
inlawrev-3950	266	43	city	city	NOUN
inlawrev-3950	266	44	contends	contend	VERB
inlawrev-3950	266	45	,	,	PUNCT
inlawrev-3950	266	46	"	"	PUNCT
inlawrev-3950	266	47	is	be	AUX
inlawrev-3950	266	48	consistent	consistent	ADJ
inlawrev-3950	266	49	with	with	ADP
inlawrev-3950	266	50	unfair	unfair	ADJ
inlawrev-3950	266	51	practices	practice	NOUN
inlawrev-3950	266	52	associated	associate	VERB
inlawrev-3950	266	53	with	with	ADP
inlawrev-3950	266	54	reverse	reverse	ADJ
inlawrev-3950	266	55	redlining	redlining	NOUN
inlawrev-3950	266	56	and	and	CCONJ
inlawrev-3950	266	57	has	have	AUX
inlawrev-3950	266	58	contributed	contribute	VERB
inlawrev-3950	266	59	significantly	significantly	ADV
inlawrev-3950	266	60	to	to	ADP
inlawrev-3950	266	61	78	78	NUM
inlawrev-3950	266	62	.	.	PUNCT
inlawrev-3950	267	1	id.\al	id.\al	NOUN
inlawrev-3950	267	2	.	.	NOUN
inlawrev-3950	268	1	79	79	NUM
inlawrev-3950	268	2	.	.	PUNCT
inlawrev-3950	269	1	i	i	PRON
inlawrev-3950	269	2	d.	d.	PROPN
inlawrev-3950	269	3	80	80	NUM
inlawrev-3950	269	4	.	.	PUNCT
inlawrev-3950	270	1	i	i	PRON
inlawrev-3950	270	2	d.	d.	PROPN
inlawrev-3950	270	3	81	81	NUM
inlawrev-3950	270	4	.	.	PUNCT
inlawrev-3950	271	1	id.\a9	id.\a9	NOUN
inlawrev-3950	271	2	.	.	PUNCT
inlawrev-3950	272	1	82	82	NUM
inlawrev-3950	272	2	.	.	PUNCT
inlawrev-3950	273	1	i	i	PRON
inlawrev-3950	273	2	d.	d.	PROPN
inlawrev-3950	273	3	83	83	NUM
inlawrev-3950	273	4	.	.	PUNCT
inlawrev-3950	274	1	i	i	PRON
inlawrev-3950	274	2	d.	d.	PROPN
inlawrev-3950	274	3	84	84	NUM
inlawrev-3950	274	4	.	.	PUNCT
inlawrev-3950	275	1	/j	/j	INTJ
inlawrev-3950	275	2	.	.	PROPN
inlawrev-3950	276	1	1	1	NUM
inlawrev-3950	276	2	50	50	NUM
inlawrev-3950	276	3	.	.	PUNCT
inlawrev-3950	276	4	85	85	NUM
inlawrev-3950	276	5	.	.	PUNCT
inlawrev-3950	277	1	id.\5\.	id.\5\.	PROPN
inlawrev-3950	277	2	86	86	NUM
inlawrev-3950	277	3	.	.	PUNCT
inlawrev-3950	278	1	i	i	PRON
inlawrev-3950	278	2	d.	d.	PROPN
inlawrev-3950	278	3	642	642	NUM
inlawrev-3950	278	4	indiana	indiana	PROPN
inlawrev-3950	278	5	law	law	PROPN
inlawrev-3950	278	6	review	review	NOUN
inlawrev-3950	279	1	[	[	X
inlawrev-3950	279	2	vol	vol	NOUN
inlawrev-3950	279	3	.	.	PUNCT
inlawrev-3950	279	4	41	41	NUM
inlawrev-3950	279	5	:	:	PUNCT
inlawrev-3950	279	6	629	629	NUM
inlawrev-3950	279	7	the	the	DET
inlawrev-3950	279	8	disproportionately	disproportionately	ADV
inlawrev-3950	279	9	large	large	ADJ
inlawrev-3950	279	10	number	number	NOUN
inlawrev-3950	279	11	of	of	ADP
inlawrev-3950	279	12	foreclosures	foreclosure	NOUN
inlawrev-3950	279	13	found	find	VERB
inlawrev-3950	279	14	in	in	ADP
inlawrev-3950	279	15	baltimore	baltimore	PROPN
inlawrev-3950	279	16	's	's	PART
inlawrev-3950	279	17	african	african	ADJ
inlawrev-3950	279	18	-	-	PUNCT
inlawrev-3950	279	19	american	american	ADJ
inlawrev-3950	279	20	communities	community	NOUN
inlawrev-3950	279	21	.	.	PUNCT
inlawrev-3950	280	1	"^^	"^^	PROPN
inlawrev-3950	280	2	third	third	PROPN
inlawrev-3950	280	3	,	,	PUNCT
inlawrev-3950	280	4	baltimore	baltimore	PROPN
inlawrev-3950	280	5	alleges	allege	VERB
inlawrev-3950	280	6	that	that	SCONJ
inlawrev-3950	280	7	inferences	inference	NOUN
inlawrev-3950	280	8	about	about	ADP
inlawrev-3950	280	9	price	price	NOUN
inlawrev-3950	280	10	discrimination	discrimination	NOUN
inlawrev-3950	280	11	based	base	VERB
inlawrev-3950	280	12	on	on	ADP
inlawrev-3950	280	13	wells	wells	PROPN
inlawrev-3950	280	14	fargo	fargo	PROPN
inlawrev-3950	280	15	'	'	PART
inlawrev-3950	280	16	s	s	PROPN
inlawrev-3950	280	17	baltimore	baltimore	PROPN
inlawrev-3950	280	18	loan	loan	NOUN
inlawrev-3950	280	19	data	datum	NOUN
inlawrev-3950	280	20	are	be	AUX
inlawrev-3950	280	21	"	"	PUNCT
inlawrev-3950	280	22	consistent	consistent	ADJ
inlawrev-3950	280	23	with	with	ADP
inlawrev-3950	280	24	findings	finding	NOUN
inlawrev-3950	280	25	drawn	draw	VERB
inlawrev-3950	280	26	from	from	ADP
inlawrev-3950	280	27	data	datum	NOUN
inlawrev-3950	280	28	obtained	obtain	VERB
inlawrev-3950	280	29	in	in	ADP
inlawrev-3950	280	30	litigation	litigation	NOUN
inlawrev-3950	280	31	brought	bring	VERB
inlawrev-3950	280	32	against	against	ADP
inlawrev-3950	280	33	wells	wells	PROPN
inlawrev-3950	280	34	fargo	fargo	PROPN
inlawrev-3950	280	35	in	in	ADP
inlawrev-3950	280	36	philadelphia	philadelphia	PROPN
inlawrev-3950	280	37	.	.	PUNCT
inlawrev-3950	281	1	"^^	"^^	PROPN
inlawrev-3950	281	2	in	in	ADP
inlawrev-3950	281	3	that	that	DET
inlawrev-3950	281	4	case	case	NOUN
inlawrev-3950	281	5	,	,	PUNCT
inlawrev-3950	281	6	an	an	DET
inlawrev-3950	281	7	expert	expert	NOUN
inlawrev-3950	281	8	report	report	NOUN
inlawrev-3950	281	9	in	in	ADP
inlawrev-3950	281	10	a	a	DET
inlawrev-3950	281	11	pending	pende	VERB
inlawrev-3950	281	12	lawsuit	lawsuit	NOUN
inlawrev-3950	281	13	based	base	VERB
inlawrev-3950	281	14	on	on	ADP
inlawrev-3950	281	15	wells	wells	PROPN
inlawrev-3950	281	16	fargo	fargo	PROPN
inlawrev-3950	281	17	'	'	PART
inlawrev-3950	281	18	s	s	PROPN
inlawrev-3950	281	19	philadelphia	philadelphia	PROPN
inlawrev-3950	281	20	loans	loan	NOUN
inlawrev-3950	281	21	concluded	conclude	VERB
inlawrev-3950	281	22	that	that	SCONJ
inlawrev-3950	281	23	wells	wells	PROPN
inlawrev-3950	281	24	fargo	fargo	PROPN
inlawrev-3950	281	25	'	'	PART
inlawrev-3950	281	26	s	s	PART
inlawrev-3950	281	27	african	african	ADJ
inlawrev-3950	281	28	-	-	PUNCT
inlawrev-3950	281	29	american	american	ADJ
inlawrev-3950	281	30	borrowers	borrower	NOUN
inlawrev-3950	281	31	,	,	PUNCT
inlawrev-3950	281	32	and	and	CCONJ
inlawrev-3950	281	33	borrowers	borrower	NOUN
inlawrev-3950	281	34	residing	reside	VERB
inlawrev-3950	281	35	in	in	ADP
inlawrev-3950	281	36	african	african	ADJ
inlawrev-3950	281	37	-	-	PUNCT
inlawrev-3950	281	38	american	american	ADJ
inlawrev-3950	281	39	neighborhoods	neighborhood	NOUN
inlawrev-3950	281	40	,	,	PUNCT
inlawrev-3950	281	41	paid	pay	VERB
inlawrev-3950	281	42	more	more	ADJ
inlawrev-3950	281	43	than	than	ADP
inlawrev-3950	281	44	comparable	comparable	ADJ
inlawrev-3950	281	45	white	white	ADJ
inlawrev-3950	281	46	residents	resident	NOUN
inlawrev-3950	281	47	of	of	ADP
inlawrev-3950	281	48	predominately	predominately	ADV
inlawrev-3950	281	49	white	white	ADJ
inlawrev-3950	281	50	communities.^^	communities.^^	PUNCT
inlawrev-3950	281	51	fourth	fourth	ADV
inlawrev-3950	281	52	,	,	PUNCT
inlawrev-3950	281	53	the	the	DET
inlawrev-3950	281	54	complaint	complaint	NOUN
inlawrev-3950	281	55	alleges	allege	VERB
inlawrev-3950	281	56	that	that	SCONJ
inlawrev-3950	281	57	there	there	PRON
inlawrev-3950	281	58	is	be	VERB
inlawrev-3950	281	59	"	"	PUNCT
inlawrev-3950	281	60	a	a	DET
inlawrev-3950	281	61	marked	mark	VERB
inlawrev-3950	281	62	disparity	disparity	NOUN
inlawrev-3950	281	63	with	with	ADP
inlawrev-3950	281	64	respect	respect	NOUN
inlawrev-3950	281	65	to	to	ADP
inlawrev-3950	281	66	the	the	DET
inlawrev-3950	281	67	speed	speed	NOUN
inlawrev-3950	281	68	with	with	ADP
inlawrev-3950	281	69	which	which	PRON
inlawrev-3950	281	70	[	[	PUNCT
inlawrev-3950	281	71	wells	wells	PROPN
inlawrev-3950	281	72	fargo	fargo	PROPN
inlawrev-3950	281	73	]	]	PUNCT
inlawrev-3950	281	74	loans	loan	NOUN
inlawrev-3950	281	75	in	in	ADP
inlawrev-3950	281	76	african	african	ADJ
inlawrev-3950	281	77	-	-	PUNCT
inlawrev-3950	281	78	american	american	ADJ
inlawrev-3950	281	79	and	and	CCONJ
inlawrev-3950	281	80	white	white	ADJ
inlawrev-3950	281	81	neighborhoods	neighborhood	NOUN
inlawrev-3950	281	82	move	move	VERB
inlawrev-3950	281	83	into	into	ADP
inlawrev-3950	281	84	foreclosure	foreclosure	NOUN
inlawrev-3950	281	85	.	.	PUNCT
inlawrev-3950	282	1	"^^	"^^	PROPN
inlawrev-3950	282	2	in	in	ADP
inlawrev-3950	282	3	baltimore	baltimore	PROPN
inlawrev-3950	282	4	's	's	PART
inlawrev-3950	282	5	african	african	ADJ
inlawrev-3950	282	6	-	-	PUNCT
inlawrev-3950	282	7	american	american	ADJ
inlawrev-3950	282	8	neighborhoods	neighborhood	NOUN
inlawrev-3950	282	9	,	,	PUNCT
inlawrev-3950	282	10	the	the	DET
inlawrev-3950	282	11	average	average	ADJ
inlawrev-3950	282	12	time	time	NOUN
inlawrev-3950	282	13	to	to	ADP
inlawrev-3950	282	14	foreclosure	foreclosure	NOUN
inlawrev-3950	282	15	is	be	AUX
inlawrev-3950	282	16	2.06	2.06	NUM
inlawrev-3950	282	17	years	year	NOUN
inlawrev-3950	282	18	.	.	PUNCT
inlawrev-3950	283	1	in	in	ADP
inlawrev-3950	283	2	white	white	ADJ
inlawrev-3950	283	3	neighborhoods	neighborhood	NOUN
inlawrev-3950	283	4	it	it	PRON
inlawrev-3950	283	5	is	be	AUX
inlawrev-3950	283	6	2.45	2.45	NUM
inlawrev-3950	283	7	years	year	NOUN
inlawrev-3950	283	8	,	,	PUNCT
inlawrev-3950	283	9	or	or	CCONJ
inlawrev-3950	283	10	19	19	NUM
inlawrev-3950	283	11	%	%	NOUN
inlawrev-3950	283	12	longer.^^	longer.^^	PUNCT
inlawrev-3950	283	13	the	the	DET
inlawrev-3950	283	14	city	city	NOUN
inlawrev-3950	283	15	contends	contend	VERB
inlawrev-3950	283	16	that	that	SCONJ
inlawrev-3950	283	17	this	this	DET
inlawrev-3950	283	18	"	"	PUNCT
inlawrev-3950	283	19	disparity	disparity	NOUN
inlawrev-3950	283	20	in	in	ADP
inlawrev-3950	283	21	time	time	NOUN
inlawrev-3950	283	22	to	to	ADP
inlawrev-3950	283	23	foreclosure	foreclosure	NOUN
inlawrev-3950	283	24	[	[	X
inlawrev-3950	283	25	further	far	ADV
inlawrev-3950	283	26	]	]	PUNCT
inlawrev-3950	283	27	demonstrates	demonstrate	VERB
inlawrev-3950	283	28	that	that	SCONJ
inlawrev-3950	283	29	wells	wells	PROPN
inlawrev-3950	283	30	fargo	fargo	PROPN
inlawrev-3950	283	31	is	be	AUX
inlawrev-3950	283	32	engaged	engage	VERB
inlawrev-3950	283	33	in	in	ADP
inlawrev-3950	283	34	irresponsible	irresponsible	ADJ
inlawrev-3950	283	35	underwriting	underwriting	NOUN
inlawrev-3950	283	36	in	in	ADP
inlawrev-3950	283	37	african	african	ADJ
inlawrev-3950	283	38	-	-	PUNCT
inlawrev-3950	283	39	american	american	ADJ
inlawrev-3950	283	40	communities	community	NOUN
inlawrev-3950	283	41	.	.	PUNCT
inlawrev-3950	284	1	"^^	"^^	PROPN
inlawrev-3950	284	2	if	if	SCONJ
inlawrev-3950	284	3	wells	wells	PROPN
inlawrev-3950	284	4	fargo	fargo	PROPN
inlawrev-3950	284	5	were	be	AUX
inlawrev-3950	284	6	applying	apply	VERB
inlawrev-3950	284	7	the	the	DET
inlawrev-3950	284	8	same	same	ADJ
inlawrev-3950	284	9	underwriting	underwriting	NOUN
inlawrev-3950	284	10	practices	practice	NOUN
inlawrev-3950	284	11	in	in	ADP
inlawrev-3950	284	12	baltimore	baltimore	PROPN
inlawrev-3950	284	13	's	's	PART
inlawrev-3950	284	14	african	african	PROPN
inlawrev-3950	284	15	-	-	PUNCT
inlawrev-3950	284	16	american	american	ADJ
inlawrev-3950	284	17	and	and	CCONJ
inlawrev-3950	284	18	white	white	ADJ
inlawrev-3950	284	19	neighborhoods	neighborhood	NOUN
inlawrev-3950	284	20	,	,	PUNCT
inlawrev-3950	284	21	and	and	CCONJ
inlawrev-3950	284	22	underwriting	underwriting	NOUN
inlawrev-3950	284	23	borrowers	borrower	NOUN
inlawrev-3950	284	24	with	with	ADP
inlawrev-3950	284	25	equal	equal	ADJ
inlawrev-3950	284	26	care	care	NOUN
inlawrev-3950	284	27	and	and	CCONJ
inlawrev-3950	284	28	attention	attention	NOUN
inlawrev-3950	284	29	to	to	ADP
inlawrev-3950	284	30	proper	proper	ADJ
inlawrev-3950	284	31	underwriting	underwriting	NOUN
inlawrev-3950	284	32	practices	practice	NOUN
inlawrev-3950	284	33	,	,	PUNCT
inlawrev-3950	284	34	the	the	DET
inlawrev-3950	284	35	city	city	NOUN
inlawrev-3950	284	36	argues	argue	VERB
inlawrev-3950	284	37	,	,	PUNCT
inlawrev-3950	284	38	borrowers	borrower	NOUN
inlawrev-3950	284	39	in	in	ADP
inlawrev-3950	284	40	african	african	ADJ
inlawrev-3950	284	41	-	-	PUNCT
inlawrev-3950	284	42	american	american	ADJ
inlawrev-3950	284	43	communities	community	NOUN
inlawrev-3950	284	44	would	would	AUX
inlawrev-3950	284	45	not	not	PART
inlawrev-3950	284	46	find	find	VERB
inlawrev-3950	284	47	themselves	themselves	PRON
inlawrev-3950	284	48	in	in	ADP
inlawrev-3950	284	49	financial	financial	ADJ
inlawrev-3950	284	50	straits	strait	NOUN
inlawrev-3950	284	51	significantly	significantly	ADV
inlawrev-3950	284	52	sooner	soon	ADV
inlawrev-3950	284	53	during	during	ADP
inlawrev-3950	284	54	the	the	DET
inlawrev-3950	284	55	life	life	NOUN
inlawrev-3950	284	56	of	of	ADP
inlawrev-3950	284	57	their	their	PRON
inlawrev-3950	284	58	loans	loan	NOUN
inlawrev-3950	284	59	than	than	ADP
inlawrev-3950	284	60	borrowers	borrower	NOUN
inlawrev-3950	284	61	in	in	ADP
inlawrev-3950	284	62	white	white	PROPN
inlawrev-3950	284	63	communities.^^	communities.^^	PUNCT
inlawrev-3950	284	64	according	accord	VERB
inlawrev-3950	284	65	to	to	ADP
inlawrev-3950	284	66	the	the	DET
inlawrev-3950	284	67	city	city	NOUN
inlawrev-3950	284	68	,	,	PUNCT
inlawrev-3950	284	69	"	"	PUNCT
inlawrev-3950	284	70	[	[	X
inlawrev-3950	284	71	t]he	t]he	X
inlawrev-3950	284	72	faster	fast	ADJ
inlawrev-3950	284	73	time	time	NOUN
inlawrev-3950	284	74	to	to	ADP
inlawrev-3950	284	75	foreclosure	foreclosure	NOUN
inlawrev-3950	284	76	in	in	ADP
inlawrev-3950	284	77	african	african	ADJ
inlawrev-3950	284	78	-	-	PUNCT
inlawrev-3950	284	79	american	american	ADJ
inlawrev-3950	284	80	neighborhoods	neighborhood	NOUN
inlawrev-3950	284	81	is	be	AUX
inlawrev-3950	284	82	consistent	consistent	ADJ
inlawrev-3950	284	83	with	with	ADP
inlawrev-3950	284	84	underwriting	underwriting	NOUN
inlawrev-3950	284	85	practices	practice	NOUN
inlawrev-3950	284	86	in	in	ADP
inlawrev-3950	284	87	the	the	DET
inlawrev-3950	284	88	african	african	ADJ
inlawrev-3950	284	89	-	-	PUNCT
inlawrev-3950	284	90	american	american	ADJ
inlawrev-3950	284	91	community	community	NOUN
inlawrev-3950	284	92	that	that	PRON
inlawrev-3950	284	93	are	be	AUX
inlawrev-3950	284	94	less	less	ADV
inlawrev-3950	284	95	concerned	concerned	ADJ
inlawrev-3950	284	96	with	with	ADP
inlawrev-3950	284	97	determining	determine	VERB
inlawrev-3950	284	98	a	a	DET
inlawrev-3950	284	99	borrower	borrower	NOUN
inlawrev-3950	284	100	's	's	PART
inlawrev-3950	284	101	ability	ability	NOUN
inlawrev-3950	284	102	to	to	PART
inlawrev-3950	284	103	pay	pay	VERB
inlawrev-3950	284	104	and	and	CCONJ
inlawrev-3950	284	105	qualifications	qualification	NOUN
inlawrev-3950	284	106	for	for	ADP
inlawrev-3950	284	107	the	the	DET
inlawrev-3950	284	108	loan	loan	NOUN
inlawrev-3950	284	109	than	than	SCONJ
inlawrev-3950	284	110	they	they	PRON
inlawrev-3950	284	111	are	be	AUX
inlawrev-3950	284	112	in	in	ADP
inlawrev-3950	284	113	maximizing	maximize	VERB
inlawrev-3950	284	114	short	short	ADJ
inlawrev-3950	284	115	-	-	PUNCT
inlawrev-3950	284	116	term	term	NOUN
inlawrev-3950	284	117	profit	profit	NOUN
inlawrev-3950	284	118	.	.	PUNCT
inlawrev-3950	285	1	"	"	PUNCT
inlawrev-3950	285	2	^'^	^'^	PUNCT
inlawrev-3950	285	3	finally	finally	ADV
inlawrev-3950	285	4	,	,	PUNCT
inlawrev-3950	285	5	the	the	DET
inlawrev-3950	285	6	complaint	complaint	NOUN
inlawrev-3950	285	7	alleges	allege	VERB
inlawrev-3950	285	8	that	that	SCONJ
inlawrev-3950	285	9	while	while	SCONJ
inlawrev-3950	285	10	"	"	PUNCT
inlawrev-3950	285	11	2/28	2/28	NUM
inlawrev-3950	285	12	"	"	PUNCT
inlawrev-3950	285	13	and	and	CCONJ
inlawrev-3950	285	14	"	"	PUNCT
inlawrev-3950	285	15	3/27	3/27	NUM
inlawrev-3950	285	16	"	"	PUNCT
inlawrev-3950	285	17	adjustable	adjustable	ADJ
inlawrev-3950	285	18	rate	rate	NOUN
inlawrev-3950	285	19	loans	loan	NOUN
inlawrev-3950	285	20	do	do	AUX
inlawrev-3950	285	21	not	not	PART
inlawrev-3950	285	22	represent	represent	VERB
inlawrev-3950	285	23	the	the	DET
inlawrev-3950	285	24	bulk	bulk	NOUN
inlawrev-3950	285	25	of	of	ADP
inlawrev-3950	285	26	the	the	DET
inlawrev-3950	285	27	wells	wells	PROPN
inlawrev-3950	285	28	fargo	fargo	PROPN
inlawrev-3950	285	29	loans	loan	NOUN
inlawrev-3950	285	30	that	that	PRON
inlawrev-3950	285	31	went	go	VERB
inlawrev-3950	285	32	to	to	ADP
inlawrev-3950	285	33	foreclosure	foreclosure	NOUN
inlawrev-3950	285	34	in	in	ADP
inlawrev-3950	285	35	baltimore	baltimore	PROPN
inlawrev-3950	285	36	,	,	PUNCT
inlawrev-3950	285	37	a	a	DET
inlawrev-3950	285	38	significant	significant	ADJ
inlawrev-3950	285	39	portion	portion	NOUN
inlawrev-3950	285	40	(	(	PUNCT
inlawrev-3950	285	41	30	30	NUM
inlawrev-3950	285	42	%	%	NOUN
inlawrev-3950	285	43	)	)	PUNCT
inlawrev-3950	285	44	of	of	ADP
inlawrev-3950	285	45	the	the	DET
inlawrev-3950	285	46	bank	bank	NOUN
inlawrev-3950	285	47	's	's	PART
inlawrev-3950	285	48	foreclosures	foreclosure	NOUN
inlawrev-3950	285	49	in	in	ADP
inlawrev-3950	285	50	african87	african87	NOUN
inlawrev-3950	285	51	.	.	PUNCT
inlawrev-3950	286	1	i	i	PRON
inlawrev-3950	286	2	d.	d.	PROPN
inlawrev-3950	286	3	f	f	PROPN
inlawrev-3950	286	4	52	52	NUM
inlawrev-3950	286	5	.	.	PUNCT
inlawrev-3950	286	6	88	88	NUM
inlawrev-3950	286	7	.	.	PUNCT
inlawrev-3950	287	1	i	i	PRON
inlawrev-3950	287	2	d.	d.	PROPN
inlawrev-3950	287	3	153	153	NUM
inlawrev-3950	287	4	.	.	PROPN
inlawrev-3950	287	5	89	89	NUM
inlawrev-3950	287	6	.	.	PUNCT
inlawrev-3950	288	1	i	i	PRON
inlawrev-3950	288	2	d.	d.	PROPN
inlawrev-3950	288	3	(	(	PUNCT
inlawrev-3950	288	4	quoting	quote	VERB
inlawrev-3950	288	5	affidavit	affidavit	NOUN
inlawrev-3950	288	6	of	of	ADP
inlawrev-3950	288	7	l.	l.	PROPN
inlawrev-3950	288	8	goldstein	goldstein	PROPN
inlawrev-3950	288	9	f	f	PROPN
inlawrev-3950	288	10	7	7	PROPN
inlawrev-3950	288	11	,	,	PUNCT
inlawrev-3950	288	12	walker	walker	PROPN
inlawrev-3950	288	13	v.	v.	PROPN
inlawrev-3950	288	14	wells	wells	PROPN
inlawrev-3950	288	15	fargo	fargo	PROPN
inlawrev-3950	288	16	bank	bank	PROPN
inlawrev-3950	288	17	,	,	PUNCT
inlawrev-3950	288	18	n.a	n.a	PROPN
inlawrev-3950	288	19	.	.	PROPN
inlawrev-3950	288	20	,	,	PUNCT
inlawrev-3950	288	21	no	no	INTJ
inlawrev-3950	288	22	.	.	NOUN
inlawrev-3950	288	23	05	05	NUM
inlawrev-3950	288	24	-	-	PUNCT
inlawrev-3950	288	25	cv6666	cv6666	NOUN
inlawrev-3950	288	26	(	(	PUNCT
inlawrev-3950	288	27	e.d	e.d	PROPN
inlawrev-3950	288	28	.	.	PROPN
inlawrev-3950	288	29	pa	pa	PROPN
inlawrev-3950	288	30	.	.	PROPN
inlawrev-3950	288	31	july	july	PROPN
inlawrev-3950	288	32	20	20	NUM
inlawrev-3950	288	33	,	,	PUNCT
inlawrev-3950	288	34	2007	2007	NUM
inlawrev-3950	288	35	)	)	PUNCT
inlawrev-3950	288	36	)	)	PUNCT
inlawrev-3950	288	37	.	.	PUNCT
inlawrev-3950	289	1	90	90	NUM
inlawrev-3950	289	2	.	.	PUNCT
inlawrev-3950	290	1	i	i	PRON
inlawrev-3950	290	2	d.	d.	PROPN
inlawrev-3950	290	3	f	f	PROPN
inlawrev-3950	290	4	61	61	NUM
inlawrev-3950	290	5	.	.	PUNCT
inlawrev-3950	290	6	91	91	NUM
inlawrev-3950	290	7	.	.	PUNCT
inlawrev-3950	291	1	i	i	PRON
inlawrev-3950	291	2	d.	d.	PROPN
inlawrev-3950	291	3	92	92	NUM
inlawrev-3950	291	4	.	.	PUNCT
inlawrev-3950	292	1	i	i	PRON
inlawrev-3950	292	2	d.	d.	PROPN
inlawrev-3950	292	3	f	f	PROPN
inlawrev-3950	292	4	62	62	NUM
inlawrev-3950	292	5	.	.	PUNCT
inlawrev-3950	293	1	93	93	NUM
inlawrev-3950	293	2	.	.	PUNCT
inlawrev-3950	294	1	i	i	PRON
inlawrev-3950	294	2	d.	d.	PROPN
inlawrev-3950	294	3	94	94	NUM
inlawrev-3950	294	4	.	.	PUNCT
inlawrev-3950	295	1	i	i	PRON
inlawrev-3950	295	2	d.	d.	PROPN
inlawrev-3950	295	3	the	the	DET
inlawrev-3950	295	4	city	city	NOUN
inlawrev-3950	295	5	points	point	VERB
inlawrev-3950	295	6	out	out	ADP
inlawrev-3950	295	7	that	that	SCONJ
inlawrev-3950	295	8	[	[	X
inlawrev-3950	295	9	t]his	t]his	ADP
inlawrev-3950	295	10	difference	difference	NOUN
inlawrev-3950	295	11	in	in	ADP
inlawrev-3950	295	12	time	time	NOUN
inlawrev-3950	295	13	to	to	ADP
inlawrev-3950	295	14	foreclosure	foreclosure	NOUN
inlawrev-3950	295	15	is	be	AUX
inlawrev-3950	295	16	especially	especially	ADV
inlawrev-3950	295	17	important	important	ADJ
inlawrev-3950	295	18	because	because	SCONJ
inlawrev-3950	295	19	foreclosures	foreclosure	NOUN
inlawrev-3950	295	20	occur	occur	VERB
inlawrev-3950	295	21	more	more	ADV
inlawrev-3950	295	22	quickly	quickly	ADV
inlawrev-3950	295	23	in	in	ADP
inlawrev-3950	295	24	baltimore	baltimore	PROPN
inlawrev-3950	295	25	than	than	ADP
inlawrev-3950	295	26	in	in	ADP
inlawrev-3950	295	27	neighboring	neighboring	NOUN
inlawrev-3950	295	28	jurisdictions	jurisdiction	NOUN
inlawrev-3950	295	29	.	.	PUNCT
inlawrev-3950	296	1	for	for	ADP
inlawrev-3950	296	2	all	all	DET
inlawrev-3950	296	3	lenders	lender	NOUN
inlawrev-3950	296	4	,	,	PUNCT
inlawrev-3950	296	5	the	the	DET
inlawrev-3950	296	6	average	average	ADJ
inlawrev-3950	296	7	time	time	NOUN
inlawrev-3950	296	8	from	from	ADP
inlawrev-3950	296	9	loan	loan	NOUN
inlawrev-3950	296	10	origination	origination	NOUN
inlawrev-3950	296	11	to	to	ADP
inlawrev-3950	296	12	foreclosure	foreclosure	NOUN
inlawrev-3950	296	13	in	in	ADP
inlawrev-3950	296	14	baltimore	baltimore	PROPN
inlawrev-3950	296	15	is	be	AUX
inlawrev-3950	296	16	three	three	NUM
inlawrev-3950	296	17	years	year	NOUN
inlawrev-3950	296	18	,	,	PUNCT
inlawrev-3950	296	19	while	while	SCONJ
inlawrev-3950	296	20	in	in	ADP
inlawrev-3950	296	21	philadelphia	philadelphia	PROPN
inlawrev-3950	296	22	it	it	PRON
inlawrev-3950	296	23	is	be	AUX
inlawrev-3950	296	24	four	four	NUM
inlawrev-3950	296	25	years	year	NOUN
inlawrev-3950	296	26	and	and	CCONJ
inlawrev-3950	296	27	in	in	ADP
inlawrev-3950	296	28	new	new	ADJ
inlawrev-3950	296	29	castle	castle	PROPN
inlawrev-3950	296	30	county	county	PROPN
inlawrev-3950	296	31	,	,	PUNCT
inlawrev-3950	296	32	delaware	delaware	PROPN
inlawrev-3950	296	33	(	(	PUNCT
inlawrev-3950	296	34	which	which	PRON
inlawrev-3950	296	35	includes	include	VERB
inlawrev-3950	296	36	wilmington	wilmington	PROPN
inlawrev-3950	296	37	)	)	PUNCT
inlawrev-3950	297	1	it	it	PRON
inlawrev-3950	297	2	is	be	AUX
inlawrev-3950	297	3	4.3	4.3	NUM
inlawrev-3950	297	4	years	year	NOUN
inlawrev-3950	297	5	.	.	PUNCT
inlawrev-3950	298	1	this	this	PRON
inlawrev-3950	298	2	means	mean	VERB
inlawrev-3950	298	3	that	that	SCONJ
inlawrev-3950	298	4	the	the	DET
inlawrev-3950	298	5	injuries	injury	NOUN
inlawrev-3950	298	6	that	that	PRON
inlawrev-3950	298	7	result	result	VERB
inlawrev-3950	298	8	from	from	ADP
inlawrev-3950	298	9	foreclosures	foreclosure	NOUN
inlawrev-3950	298	10	in	in	ADP
inlawrev-3950	298	11	baltimore	baltimore	PROPN
inlawrev-3950	298	12	are	be	AUX
inlawrev-3950	298	13	compounded	compound	VERB
inlawrev-3950	298	14	,	,	PUNCT
inlawrev-3950	298	15	and	and	CCONJ
inlawrev-3950	298	16	therefore	therefore	ADV
inlawrev-3950	298	17	grow	grow	VERB
inlawrev-3950	298	18	,	,	PUNCT
inlawrev-3950	298	19	at	at	ADP
inlawrev-3950	298	20	a	a	DET
inlawrev-3950	298	21	faster	fast	ADJ
inlawrev-3950	298	22	pace	pace	NOUN
inlawrev-3950	298	23	.	.	PUNCT
inlawrev-3950	299	1	i	i	PRON
inlawrev-3950	299	2	d.	d.	PROPN
inlawrev-3950	299	3	f	f	PROPN
inlawrev-3950	299	4	63	63	NUM
inlawrev-3950	299	5	.	.	PUNCT
inlawrev-3950	299	6	2008	2008	NUM
inlawrev-3950	299	7	]	]	PUNCT
inlawrev-3950	299	8	future	future	NOUN
inlawrev-3950	299	9	of	of	ADP
inlawrev-3950	299	10	the	the	DET
inlawrev-3950	299	11	fair	fair	ADJ
inlawrev-3950	299	12	housing	housing	PROPN
inlawrev-3950	299	13	act	act	NOUN
inlawrev-3950	299	14	643	643	NUM
inlawrev-3950	299	15	american	american	ADJ
inlawrev-3950	299	16	neighborhoods	neighborhood	NOUN
inlawrev-3950	299	17	involved	involve	VERB
inlawrev-3950	299	18	these	these	DET
inlawrev-3950	299	19	unusually	unusually	ADV
inlawrev-3950	299	20	risky	risky	ADJ
inlawrev-3950	299	21	and	and	CCONJ
inlawrev-3950	299	22	deceptive	deceptive	ADJ
inlawrev-3950	299	23	loan	loan	NOUN
inlawrev-3950	299	24	products.^^	products.^^	ADP
inlawrev-3950	299	25	the	the	DET
inlawrev-3950	299	26	city	city	NOUN
inlawrev-3950	299	27	contends	contend	VERB
inlawrev-3950	299	28	that	that	SCONJ
inlawrev-3950	299	29	"	"	PUNCT
inlawrev-3950	299	30	wells	wells	PROPN
inlawrev-3950	299	31	fargo	fargo	PROPN
inlawrev-3950	299	32	[	[	X
inlawrev-3950	299	33	did	do	AUX
inlawrev-3950	299	34	]	]	PUNCT
inlawrev-3950	299	35	not	not	PART
inlawrev-3950	299	36	properly	properly	ADV
inlawrev-3950	299	37	underwrite	underwrite	VERB
inlawrev-3950	299	38	these	these	DET
inlawrev-3950	299	39	loans	loan	NOUN
inlawrev-3950	299	40	when	when	SCONJ
inlawrev-3950	299	41	made	make	VERB
inlawrev-3950	299	42	to	to	ADP
inlawrev-3950	299	43	african	african	ADJ
inlawrev-3950	299	44	americans	americans	PROPN
inlawrev-3950	299	45	,	,	PUNCT
inlawrev-3950	299	46	and	and	CCONJ
inlawrev-3950	299	47	.	.	PUNCT
inlawrev-3950	299	48	.	.	PUNCT
inlawrev-3950	299	49	.	.	PUNCT
inlawrev-3950	300	1	[	[	X
inlawrev-3950	300	2	did	do	AUX
inlawrev-3950	300	3	]	]	PUNCT
inlawrev-3950	300	4	not	not	PART
inlawrev-3950	300	5	adequately	adequately	ADV
inlawrev-3950	300	6	consider	consider	VERB
inlawrev-3950	300	7	the	the	DET
inlawrev-3950	300	8	borrowers	borrower	NOUN
inlawrev-3950	300	9	'	'	PART
inlawrev-3950	300	10	ability	ability	NOUN
inlawrev-3950	300	11	to	to	PART
inlawrev-3950	300	12	repay	repay	VERB
inlawrev-3950	300	13	these	these	DET
inlawrev-3950	300	14	loans	loan	NOUN
inlawrev-3950	300	15	,	,	PUNCT
inlawrev-3950	300	16	especially	especially	ADV
inlawrev-3950	300	17	after	after	SCONJ
inlawrev-3950	300	18	the	the	DET
inlawrev-3950	300	19	teaser	teaser	NOUN
inlawrev-3950	300	20	rate	rate	NOUN
inlawrev-3950	300	21	expires	expire	VERB
inlawrev-3950	300	22	and	and	CCONJ
inlawrev-3950	300	23	the	the	DET
inlawrev-3950	300	24	interest	interest	NOUN
inlawrev-3950	300	25	rate	rate	NOUN
inlawrev-3950	300	26	increases	increase	NOUN
inlawrev-3950	300	27	.	.	PUNCT
inlawrev-3950	301	1	"^^	"^^	ADJ
inlawrev-3950	301	2	as	as	ADP
inlawrev-3950	301	3	a	a	DET
inlawrev-3950	301	4	result	result	NOUN
inlawrev-3950	301	5	,	,	PUNCT
inlawrev-3950	301	6	these	these	DET
inlawrev-3950	301	7	loans	loan	NOUN
inlawrev-3950	301	8	resulted	result	VERB
inlawrev-3950	301	9	in	in	ADP
inlawrev-3950	301	10	delinquency	delinquency	NOUN
inlawrev-3950	301	11	,	,	PUNCT
inlawrev-3950	301	12	default	default	NOUN
inlawrev-3950	301	13	,	,	PUNCT
inlawrev-3950	301	14	and	and	CCONJ
inlawrev-3950	301	15	foreclosure	foreclosure	NOUN
inlawrev-3950	301	16	for	for	ADP
inlawrev-3950	301	17	many	many	ADJ
inlawrev-3950	301	18	african	african	ADJ
inlawrev-3950	301	19	-	-	PUNCT
inlawrev-3950	301	20	american	american	ADJ
inlawrev-3950	301	21	borrowers	borrower	NOUN
inlawrev-3950	301	22	—	—	PUNCT
inlawrev-3950	301	23	a	a	DET
inlawrev-3950	301	24	result	result	NOUN
inlawrev-3950	301	25	that	that	PRON
inlawrev-3950	301	26	was	be	AUX
inlawrev-3950	301	27	,	,	PUNCT
inlawrev-3950	301	28	or	or	CCONJ
inlawrev-3950	301	29	should	should	AUX
inlawrev-3950	301	30	have	have	AUX
inlawrev-3950	301	31	been	be	AUX
inlawrev-3950	301	32	,	,	PUNCT
inlawrev-3950	301	33	clearly	clearly	ADV
inlawrev-3950	301	34	foreseeable	foreseeable	ADJ
inlawrev-3950	301	35	to	to	ADP
inlawrev-3950	301	36	wells	wells	PROPN
inlawrev-3950	301	37	fargo	fargo	PROPN
inlawrev-3950	301	38	at	at	ADP
inlawrev-3950	301	39	the	the	DET
inlawrev-3950	301	40	time	time	NOUN
inlawrev-3950	301	41	the	the	DET
inlawrev-3950	301	42	loans	loan	NOUN
inlawrev-3950	301	43	were	be	AUX
inlawrev-3950	301	44	made.^^	made.^^	NOUN
inlawrev-3950	301	45	as	as	ADP
inlawrev-3950	301	46	with	with	ADP
inlawrev-3950	301	47	the	the	DET
inlawrev-3950	301	48	other	other	ADJ
inlawrev-3950	301	49	practices	practice	NOUN
inlawrev-3950	301	50	identified	identify	VERB
inlawrev-3950	301	51	above	above	ADV
inlawrev-3950	301	52	,	,	PUNCT
inlawrev-3950	301	53	baltimore	baltimore	PROPN
inlawrev-3950	301	54	contends	contend	VERB
inlawrev-3950	301	55	that	that	SCONJ
inlawrev-3950	301	56	the	the	DET
inlawrev-3950	301	57	use	use	NOUN
inlawrev-3950	301	58	of	of	ADP
inlawrev-3950	301	59	these	these	DET
inlawrev-3950	301	60	risky	risky	ADJ
inlawrev-3950	301	61	adjustable	adjustable	ADJ
inlawrev-3950	301	62	rate	rate	NOUN
inlawrev-3950	301	63	mortgage	mortgage	NOUN
inlawrev-3950	301	64	products	product	NOUN
inlawrev-3950	301	65	"	"	PUNCT
inlawrev-3950	301	66	is	be	AUX
inlawrev-3950	301	67	consistent	consistent	ADJ
inlawrev-3950	301	68	with	with	ADP
inlawrev-3950	301	69	the	the	DET
inlawrev-3950	301	70	practice	practice	NOUN
inlawrev-3950	301	71	of	of	ADP
inlawrev-3950	301	72	reverse	reverse	ADJ
inlawrev-3950	301	73	redlining	redlining	NOUN
inlawrev-3950	301	74	,	,	PUNCT
inlawrev-3950	301	75	has	have	AUX
inlawrev-3950	301	76	subjected	subject	VERB
inlawrev-3950	301	77	african	african	ADJ
inlawrev-3950	301	78	-	-	PUNCT
inlawrev-3950	301	79	american	american	ADJ
inlawrev-3950	301	80	borrowers	borrower	NOUN
inlawrev-3950	301	81	to	to	PART
inlawrev-3950	301	82	unfair	unfair	ADJ
inlawrev-3950	301	83	and	and	CCONJ
inlawrev-3950	301	84	deceptive	deceptive	ADJ
inlawrev-3950	301	85	loan	loan	NOUN
inlawrev-3950	301	86	terms	term	NOUN
inlawrev-3950	301	87	,	,	PUNCT
inlawrev-3950	301	88	and	and	CCONJ
inlawrev-3950	301	89	has	have	AUX
inlawrev-3950	301	90	contributed	contribute	VERB
inlawrev-3950	301	91	significantly	significantly	ADV
inlawrev-3950	301	92	to	to	ADP
inlawrev-3950	301	93	the	the	DET
inlawrev-3950	301	94	high	high	ADJ
inlawrev-3950	301	95	rate	rate	NOUN
inlawrev-3950	301	96	of	of	ADP
inlawrev-3950	301	97	foreclosure	foreclosure	NOUN
inlawrev-3950	301	98	found	find	VERB
inlawrev-3950	301	99	in	in	ADP
inlawrev-3950	301	100	baltimore	baltimore	PROPN
inlawrev-3950	301	101	's	's	PART
inlawrev-3950	301	102	african	african	ADJ
inlawrev-3950	301	103	-	-	PUNCT
inlawrev-3950	301	104	american	american	ADJ
inlawrev-3950	301	105	neighborhoods	neighborhood	NOUN
inlawrev-3950	301	106	.	.	PUNCT
inlawrev-3950	302	1	"^^	"^^	VERB
inlawrev-3950	302	2	in	in	ADV
inlawrev-3950	302	3	.	.	PUNCT
inlawrev-3950	303	1	quantifying	quantify	VERB
inlawrev-3950	303	2	injury	injury	NOUN
inlawrev-3950	303	3	to	to	ADP
inlawrev-3950	303	4	the	the	DET
inlawrev-3950	303	5	city	city	NOUN
inlawrev-3950	303	6	a.	a.	PROPN
inlawrev-3950	303	7	municipal	municipal	PROPN
inlawrev-3950	303	8	standing	standing	PROPN
inlawrev-3950	303	9	as	as	SCONJ
inlawrev-3950	303	10	noted	note	VERB
inlawrev-3950	303	11	in	in	ADP
inlawrev-3950	303	12	part	part	NOUN
inlawrev-3950	303	13	ii	ii	PROPN
inlawrev-3950	303	14	above	above	ADV
inlawrev-3950	303	15	,	,	PUNCT
inlawrev-3950	303	16	the	the	DET
inlawrev-3950	303	17	fha	fha	PROPN
inlawrev-3950	303	18	provides	provide	VERB
inlawrev-3950	303	19	a	a	DET
inlawrev-3950	303	20	clear	clear	ADJ
inlawrev-3950	303	21	cause	cause	NOUN
inlawrev-3950	303	22	of	of	ADP
inlawrev-3950	303	23	action	action	NOUN
inlawrev-3950	303	24	for	for	ADP
inlawrev-3950	303	25	the	the	DET
inlawrev-3950	303	26	lending	lending	NOUN
inlawrev-3950	303	27	practices	practice	NOUN
inlawrev-3950	303	28	in	in	ADP
inlawrev-3950	303	29	which	which	PRON
inlawrev-3950	303	30	wells	wells	PROPN
inlawrev-3950	303	31	fargo	fargo	PROPN
inlawrev-3950	303	32	is	be	AUX
inlawrev-3950	303	33	alleged	allege	VERB
inlawrev-3950	303	34	to	to	PART
inlawrev-3950	303	35	have	have	AUX
inlawrev-3950	303	36	engaged	engage	VERB
inlawrev-3950	303	37	.	.	PUNCT
inlawrev-3950	304	1	since	since	SCONJ
inlawrev-3950	304	2	judge	judge	PROPN
inlawrev-3950	304	3	joyce	joyce	PROPN
inlawrev-3950	304	4	hens	hens	PROPN
inlawrev-3950	304	5	green	green	PROPN
inlawrev-3950	304	6	's	's	PART
inlawrev-3950	304	7	landmark	landmark	NOUN
inlawrev-3950	304	8	decision	decision	NOUN
inlawrev-3950	304	9	in	in	ADP
inlawrev-3950	304	10	margraves	margrave	NOUN
inlawrev-3950	304	11	v.	v.	ADP
inlawrev-3950	304	12	capital	capital	PROPN
inlawrev-3950	304	13	city	city	PROPN
inlawrev-3950	304	14	mortgage	mortgage	PROPN
inlawrev-3950	304	15	corp	corp	PROPN
inlawrev-3950	304	16	.	.	PROPN
inlawrev-3950	304	17	,^^	,^^	PUNCT
inlawrev-3950	304	18	numerous	numerous	ADJ
inlawrev-3950	304	19	courts	court	NOUN
inlawrev-3950	304	20	across	across	ADP
inlawrev-3950	304	21	the	the	DET
inlawrev-3950	304	22	country	country	NOUN
inlawrev-3950	304	23	have	have	AUX
inlawrev-3950	304	24	held	hold	VERB
inlawrev-3950	304	25	that	that	DET
inlawrev-3950	304	26	reverse	reverse	NOUN
inlawrev-3950	304	27	redlining	redlining	NOUN
inlawrev-3950	304	28	violates	violate	VERB
inlawrev-3950	304	29	the	the	DET
inlawrev-3950	304	30	fha.^^^	fha.^^^	PROPN
inlawrev-3950	304	31	thus	thus	ADV
inlawrev-3950	304	32	,	,	PUNCT
inlawrev-3950	304	33	if	if	SCONJ
inlawrev-3950	304	34	wells	wells	PROPN
inlawrev-3950	304	35	fargo	fargo	PROPN
inlawrev-3950	304	36	has	have	AUX
inlawrev-3950	304	37	done	do	VERB
inlawrev-3950	304	38	what	what	PRON
inlawrev-3950	304	39	baltimore	baltimore	PROPN
inlawrev-3950	304	40	alleges	allege	VERB
inlawrev-3950	304	41	,	,	PUNCT
inlawrev-3950	304	42	it	it	PRON
inlawrev-3950	304	43	95	95	NUM
inlawrev-3950	304	44	.	.	PUNCT
inlawrev-3950	305	1	m^55	m^55	NOUN
inlawrev-3950	305	2	.	.	PUNCT
inlawrev-3950	306	1	96	96	NUM
inlawrev-3950	306	2	.	.	PUNCT
inlawrev-3950	307	1	i	i	PRON
inlawrev-3950	307	2	d.	d.	PROPN
inlawrev-3950	307	3	\56	\56	PROPN
inlawrev-3950	307	4	.	.	PROPN
inlawrev-3950	308	1	97	97	NUM
inlawrev-3950	308	2	.	.	PUNCT
inlawrev-3950	309	1	i	i	PRON
inlawrev-3950	309	2	d.	d.	PROPN
inlawrev-3950	309	3	98	98	NUM
inlawrev-3950	309	4	.	.	PUNCT
inlawrev-3950	310	1	i	i	PRON
inlawrev-3950	310	2	d.	d.	PROPN
inlawrev-3950	310	3	\	\	PROPN
inlawrev-3950	310	4	57	57	NUM
inlawrev-3950	310	5	.	.	PUNCT
inlawrev-3950	311	1	with	with	ADP
inlawrev-3950	311	2	respect	respect	NOUN
inlawrev-3950	311	3	to	to	ADP
inlawrev-3950	311	4	the	the	DET
inlawrev-3950	311	5	adjustable	adjustable	ADJ
inlawrev-3950	311	6	rate	rate	NOUN
inlawrev-3950	311	7	mortgage	mortgage	NOUN
inlawrev-3950	311	8	loan	loan	NOUN
inlawrev-3950	311	9	products	product	NOUN
inlawrev-3950	311	10	,	,	PUNCT
inlawrev-3950	311	11	the	the	DET
inlawrev-3950	311	12	city	city	NOUN
inlawrev-3950	311	13	further	far	ADV
inlawrev-3950	311	14	alleges	allege	VERB
inlawrev-3950	311	15	that	that	SCONJ
inlawrev-3950	311	16	wells	wells	PROPN
inlawrev-3950	311	17	fargo	fargo	PROPN
inlawrev-3950	311	18	had	have	VERB
inlawrev-3950	311	19	discretion	discretion	NOUN
inlawrev-3950	311	20	to	to	PART
inlawrev-3950	311	21	apply	apply	VERB
inlawrev-3950	311	22	different	different	ADJ
inlawrev-3950	311	23	caps	cap	NOUN
inlawrev-3950	311	24	on	on	ADP
inlawrev-3950	311	25	the	the	DET
inlawrev-3950	311	26	interest	interest	NOUN
inlawrev-3950	311	27	rates	rate	NOUN
inlawrev-3950	311	28	charged	charge	VERB
inlawrev-3950	311	29	.	.	PUNCT
inlawrev-3950	312	1	i	i	PRON
inlawrev-3950	312	2	d.	d.	PROPN
inlawrev-3950	312	3	\	\	PROPN
inlawrev-3950	312	4	58	58	NUM
inlawrev-3950	312	5	.	.	PUNCT
inlawrev-3950	313	1	"	"	PUNCT
inlawrev-3950	313	2	the	the	DET
inlawrev-3950	313	3	cap	cap	NOUN
inlawrev-3950	313	4	is	be	AUX
inlawrev-3950	313	5	the	the	DET
inlawrev-3950	313	6	maximum	maximum	ADJ
inlawrev-3950	313	7	rate	rate	NOUN
inlawrev-3950	313	8	that	that	SCONJ
inlawrev-3950	313	9	a	a	DET
inlawrev-3950	313	10	borrower	borrower	NOUN
inlawrev-3950	313	11	can	can	AUX
inlawrev-3950	313	12	be	be	AUX
inlawrev-3950	313	13	charged	charge	VERB
inlawrev-3950	313	14	during	during	ADP
inlawrev-3950	313	15	the	the	DET
inlawrev-3950	313	16	life	life	NOUN
inlawrev-3950	313	17	of	of	ADP
inlawrev-3950	313	18	an	an	DET
inlawrev-3950	313	19	adjustable	adjustable	ADJ
inlawrev-3950	313	20	rate	rate	NOUN
inlawrev-3950	313	21	loan	loan	NOUN
inlawrev-3950	313	22	.	.	PUNCT
inlawrev-3950	313	23	"	"	PUNCT
inlawrev-3950	314	1	i	i	PRON
inlawrev-3950	314	2	d.	d.	PROPN
inlawrev-3950	314	3	according	accord	VERB
inlawrev-3950	314	4	to	to	ADP
inlawrev-3950	314	5	the	the	DET
inlawrev-3950	314	6	complaint	complaint	NOUN
inlawrev-3950	314	7	,	,	PUNCT
inlawrev-3950	314	8	"	"	PUNCT
inlawrev-3950	314	9	[	[	X
inlawrev-3950	314	10	t]he	t]he	ADJ
inlawrev-3950	314	11	average	average	ADJ
inlawrev-3950	314	12	cap	cap	NOUN
inlawrev-3950	314	13	on	on	ADP
inlawrev-3950	314	14	a	a	DET
inlawrev-3950	314	15	wells	wells	PROPN
inlawrev-3950	314	16	fargo	fargo	PROPN
inlawrev-3950	314	17	adjustable	adjustable	PROPN
inlawrev-3950	314	18	rate	rate	NOUN
inlawrev-3950	314	19	loan	loan	NOUN
inlawrev-3950	314	20	that	that	PRON
inlawrev-3950	314	21	was	be	AUX
inlawrev-3950	314	22	subject	subject	ADJ
inlawrev-3950	314	23	to	to	ADP
inlawrev-3950	314	24	foreclosure	foreclosure	NOUN
inlawrev-3950	314	25	in	in	ADP
inlawrev-3950	314	26	2005	2005	NUM
inlawrev-3950	314	27	or	or	CCONJ
inlawrev-3950	314	28	2006	2006	NUM
inlawrev-3950	314	29	in	in	ADP
inlawrev-3950	314	30	predominantly	predominantly	ADV
inlawrev-3950	314	31	african	african	ADJ
inlawrev-3950	314	32	-	-	PUNCT
inlawrev-3950	314	33	american	american	ADJ
inlawrev-3950	314	34	neighborhoods	neighborhood	NOUN
inlawrev-3950	314	35	was	be	AUX
inlawrev-3950	314	36	14.13	14.13	NUM
inlawrev-3950	314	37	%	%	NOUN
inlawrev-3950	314	38	.	.	PUNCT
inlawrev-3950	315	1	the	the	DET
inlawrev-3950	315	2	cap	cap	NOUN
inlawrev-3950	315	3	on	on	ADP
inlawrev-3950	315	4	such	such	ADJ
inlawrev-3950	315	5	loans	loan	NOUN
inlawrev-3950	315	6	in	in	ADP
inlawrev-3950	315	7	predominantly	predominantly	ADV
inlawrev-3950	315	8	white	white	ADJ
inlawrev-3950	315	9	neighborhoods	neighborhood	NOUN
inlawrev-3950	315	10	was	be	AUX
inlawrev-3950	315	11	only	only	ADV
inlawrev-3950	315	12	13.61	13.61	NUM
inlawrev-3950	315	13	%	%	NOUN
inlawrev-3950	315	14	.	.	PUNCT
inlawrev-3950	315	15	"	"	PUNCT
inlawrev-3950	316	1	i	i	PRON
inlawrev-3950	316	2	d.	d.	PROPN
inlawrev-3950	316	3	1	1	NUM
inlawrev-3950	316	4	59	59	NUM
inlawrev-3950	316	5	.	.	PUNCT
inlawrev-3950	317	1	this	this	DET
inlawrev-3950	317	2	disparity	disparity	NOUN
inlawrev-3950	317	3	,	,	PUNCT
inlawrev-3950	317	4	the	the	DET
inlawrev-3950	317	5	city	city	NOUN
inlawrev-3950	317	6	alleges	allege	VERB
inlawrev-3950	317	7	,	,	PUNCT
inlawrev-3950	317	8	is	be	AUX
inlawrev-3950	317	9	further	further	ADJ
inlawrev-3950	317	10	evidence	evidence	NOUN
inlawrev-3950	317	11	of	of	ADP
inlawrev-3950	317	12	a	a	DET
inlawrev-3950	317	13	pattern	pattern	NOUN
inlawrev-3950	317	14	or	or	CCONJ
inlawrev-3950	317	15	practice	practice	NOUN
inlawrev-3950	317	16	of	of	ADP
inlawrev-3950	317	17	unfair	unfair	ADJ
inlawrev-3950	317	18	and	and	CCONJ
inlawrev-3950	317	19	improper	improper	ADJ
inlawrev-3950	317	20	lending	lending	NOUN
inlawrev-3950	317	21	in	in	ADP
inlawrev-3950	317	22	baltimore	baltimore	PROPN
inlawrev-3950	317	23	's	's	PART
inlawrev-3950	317	24	african	african	ADJ
inlawrev-3950	317	25	-	-	PUNCT
inlawrev-3950	317	26	american	american	ADJ
inlawrev-3950	317	27	neighborhoods	neighborhood	NOUN
inlawrev-3950	317	28	that	that	PRON
inlawrev-3950	317	29	has	have	AUX
inlawrev-3950	317	30	contributed	contribute	VERB
inlawrev-3950	317	31	to	to	ADP
inlawrev-3950	317	32	an	an	DET
inlawrev-3950	317	33	unnecessarily	unnecessarily	ADV
inlawrev-3950	317	34	high	high	ADJ
inlawrev-3950	317	35	rate	rate	NOUN
inlawrev-3950	317	36	of	of	ADP
inlawrev-3950	317	37	foreclosure	foreclosure	NOUN
inlawrev-3950	317	38	.	.	PUNCT
inlawrev-3950	318	1	see	see	VERB
inlawrev-3950	318	2	i	i	PRON
inlawrev-3950	318	3	d.	d.	PROPN
inlawrev-3950	318	4	f^	f^	VERB
inlawrev-3950	318	5	4	4	NUM
inlawrev-3950	318	6	,	,	PUNCT
inlawrev-3950	318	7	60	60	NUM
inlawrev-3950	318	8	.	.	PUNCT
inlawrev-3950	319	1	99	99	NUM
inlawrev-3950	319	2	.	.	X
inlawrev-3950	320	1	140	140	NUM
inlawrev-3950	320	2	f.	f.	PROPN
inlawrev-3950	320	3	supp	supp	PROPN
inlawrev-3950	320	4	.	.	PUNCT
inlawrev-3950	321	1	2d	2d	NOUN
inlawrev-3950	321	2	7	7	NUM
inlawrev-3950	321	3	(	(	PUNCT
inlawrev-3950	321	4	d.d.c	d.d.c	PROPN
inlawrev-3950	321	5	.	.	PROPN
inlawrev-3950	321	6	2000	2000	NUM
inlawrev-3950	321	7	)	)	PUNCT
inlawrev-3950	321	8	.	.	PUNCT
inlawrev-3950	322	1	100	100	NUM
inlawrev-3950	322	2	.	.	PUNCT
inlawrev-3950	322	3	see	see	VERB
inlawrev-3950	322	4	munoz	munoz	PROPN
inlawrev-3950	322	5	v.	v.	ADP
inlawrev-3950	322	6	int'l	int'l	PROPN
inlawrev-3950	322	7	home	home	PROPN
inlawrev-3950	322	8	capital	capital	PROPN
inlawrev-3950	322	9	corp	corp	PROPN
inlawrev-3950	322	10	.	.	PROPN
inlawrev-3950	322	11	,	,	PUNCT
inlawrev-3950	322	12	no	no	INTJ
inlawrev-3950	322	13	.	.	PUNCT
inlawrev-3950	323	1	c	c	NOUN
inlawrev-3950	323	2	03	03	NUM
inlawrev-3950	323	3	-	-	PUNCT
inlawrev-3950	323	4	01099	01099	NUM
inlawrev-3950	323	5	rs	rs	NOUN
inlawrev-3950	323	6	,	,	PUNCT
inlawrev-3950	323	7	2004	2004	NUM
inlawrev-3950	323	8	wl	wl	NOUN
inlawrev-3950	323	9	3086907	3086907	NUM
inlawrev-3950	323	10	,	,	PUNCT
inlawrev-3950	323	11	at	at	ADP
inlawrev-3950	323	12	*	*	NUM
inlawrev-3950	323	13	4	4	NUM
inlawrev-3950	323	14	(	(	PUNCT
inlawrev-3950	323	15	n.d	n.d	PROPN
inlawrev-3950	323	16	.	.	PROPN
inlawrev-3950	323	17	cal	cal	PROPN
inlawrev-3950	323	18	.	.	PUNCT
inlawrev-3950	324	1	may	may	AUX
inlawrev-3950	324	2	4	4	NUM
inlawrev-3950	324	3	,	,	PUNCT
inlawrev-3950	324	4	2004	2004	NUM
inlawrev-3950	324	5	)	)	PUNCT
inlawrev-3950	324	6	;	;	PUNCT
inlawrev-3950	325	1	matthews	matthews	PROPN
inlawrev-3950	325	2	v.	v.	ADP
inlawrev-3950	325	3	new	new	ADJ
inlawrev-3950	325	4	century	century	PROPN
inlawrev-3950	325	5	mortgage	mortgage	PROPN
inlawrev-3950	325	6	corp	corp	PROPN
inlawrev-3950	325	7	.	.	PROPN
inlawrev-3950	325	8	,	,	PUNCT
inlawrev-3950	325	9	185	185	NUM
inlawrev-3950	325	10	f.	f.	PROPN
inlawrev-3950	325	11	supp	supp	PROPN
inlawrev-3950	325	12	.	.	PUNCT
inlawrev-3950	326	1	2d	2d	PROPN
inlawrev-3950	326	2	874	874	NUM
inlawrev-3950	326	3	,	,	PUNCT
inlawrev-3950	326	4	886	886	NUM
inlawrev-3950	326	5	-	-	SYM
inlawrev-3950	326	6	87	87	NUM
inlawrev-3950	326	7	(	(	PUNCT
inlawrev-3950	326	8	s.d	s.d	PROPN
inlawrev-3950	326	9	.	.	PROPN
inlawrev-3950	326	10	ohio	ohio	PROPN
inlawrev-3950	326	11	2002	2002	NUM
inlawrev-3950	326	12	)	)	PUNCT
inlawrev-3950	326	13	;	;	PUNCT
inlawrev-3950	326	14	johnson	johnson	PROPN
inlawrev-3950	326	15	v.	v.	PROPN
inlawrev-3950	326	16	equicredit	equicredit	PROPN
inlawrev-3950	326	17	corp	corp	PROPN
inlawrev-3950	326	18	.	.	PROPN
inlawrev-3950	326	19	of	of	ADP
inlawrev-3950	326	20	am	am	PROPN
inlawrev-3950	326	21	.	.	PUNCT
inlawrev-3950	326	22	,	,	PUNCT
inlawrev-3950	326	23	no	no	INTJ
inlawrev-3950	326	24	.	.	NOUN
inlawrev-3950	327	1	01	01	NUM
inlawrev-3950	327	2	c	c	NOUN
inlawrev-3950	327	3	5	5	NUM
inlawrev-3950	327	4	197	197	NUM
inlawrev-3950	327	5	,	,	PUNCT
inlawrev-3950	327	6	2002	2002	NUM
inlawrev-3950	327	7	wl	wl	NOUN
inlawrev-3950	327	8	448991	448991	NUM
inlawrev-3950	327	9	,	,	PUNCT
inlawrev-3950	327	10	at	at	ADP
inlawrev-3950	327	11	*	*	PROPN
inlawrev-3950	327	12	5	5	NUM
inlawrev-3950	327	13	-	-	SYM
inlawrev-3950	327	14	6	6	NUM
inlawrev-3950	327	15	(	(	PUNCT
inlawrev-3950	327	16	n.d	n.d	PROPN
inlawrev-3950	327	17	.	.	PROPN
inlawrev-3950	327	18	111	111	NUM
inlawrev-3950	327	19	.	.	PUNCT
inlawrev-3950	328	1	mar	mar	PROPN
inlawrev-3950	328	2	.	.	PROPN
inlawrev-3950	328	3	22	22	NUM
inlawrev-3950	328	4	,	,	PUNCT
inlawrev-3950	328	5	2002	2002	NUM
inlawrev-3950	328	6	)	)	PUNCT
inlawrev-3950	328	7	;	;	PUNCT
inlawrev-3950	328	8	eva	eva	PROPN
inlawrev-3950	328	9	v.	v.	PROPN
inlawrev-3950	328	10	midwest	midwest	PROPN
inlawrev-3950	328	11	nat'l	nat'l	PROPN
inlawrev-3950	328	12	mortgage	mortgage	PROPN
inlawrev-3950	328	13	bank	bank	PROPN
inlawrev-3950	328	14	,	,	PUNCT
inlawrev-3950	328	15	inc	inc	PROPN
inlawrev-3950	328	16	.	.	PROPN
inlawrev-3950	328	17	,	,	PUNCT
inlawrev-3950	328	18	143	143	NUM
inlawrev-3950	328	19	f.	f.	PROPN
inlawrev-3950	328	20	supp	supp	PROPN
inlawrev-3950	328	21	.	.	PUNCT
inlawrev-3950	329	1	2d	2d	NOUN
inlawrev-3950	329	2	862	862	NUM
inlawrev-3950	329	3	,	,	PUNCT
inlawrev-3950	329	4	868	868	NUM
inlawrev-3950	329	5	(	(	PUNCT
inlawrev-3950	329	6	n.d	n.d	PROPN
inlawrev-3950	329	7	.	.	PROPN
inlawrev-3950	329	8	ohio	ohio	PROPN
inlawrev-3950	329	9	2001	2001	NUM
inlawrev-3950	329	10	)	)	PUNCT
inlawrev-3950	329	11	;	;	PUNCT
inlawrev-3950	329	12	see	see	VERB
inlawrev-3950	329	13	also	also	ADV
inlawrev-3950	329	14	assocs	assocs	PROPN
inlawrev-3950	329	15	.	.	PUNCT
inlawrev-3950	330	1	home	home	NOUN
inlawrev-3950	330	2	equity	equity	NOUN
inlawrev-3950	330	3	servs	servs	PROPN
inlawrev-3950	330	4	.	.	PROPN
inlawrev-3950	330	5	,	,	PUNCT
inlawrev-3950	330	6	inc	inc	PROPN
inlawrev-3950	330	7	.	.	PROPN
inlawrev-3950	331	1	v.	v.	PROPN
inlawrev-3950	331	2	troup	troup	PROPN
inlawrev-3950	331	3	,	,	PUNCT
inlawrev-3950	331	4	778	778	NUM
inlawrev-3950	331	5	a.2d	a.2d	SYM
inlawrev-3950	331	6	529	529	NUM
inlawrev-3950	331	7	,	,	PUNCT
inlawrev-3950	331	8	537	537	NUM
inlawrev-3950	331	9	(	(	PUNCT
inlawrev-3950	331	10	n.j	n.j	PROPN
inlawrev-3950	331	11	.	.	PUNCT
inlawrev-3950	331	12	super	super	PROPN
inlawrev-3950	331	13	.	.	PUNCT
inlawrev-3950	332	1	ct	ct	PROPN
inlawrev-3950	332	2	.	.	PUNCT
inlawrev-3950	333	1	app	app	PROPN
inlawrev-3950	333	2	.	.	PUNCT
inlawrev-3950	334	1	div	div	PROPN
inlawrev-3950	334	2	.	.	PROPN
inlawrev-3950	334	3	2001	2001	NUM
inlawrev-3950	334	4	)	)	PUNCT
inlawrev-3950	334	5	(	(	PUNCT
inlawrev-3950	334	6	holding	hold	VERB
inlawrev-3950	334	7	that	that	PRON
inlawrev-3950	334	8	reverse	reverse	NOUN
inlawrev-3950	334	9	redlining	redline	VERB
inlawrev-3950	334	10	violates	violate	VERB
inlawrev-3950	334	11	new	new	ADJ
inlawrev-3950	334	12	jersey	jersey	NOUN
inlawrev-3950	334	13	's	's	PART
inlawrev-3950	334	14	law	law	NOUN
inlawrev-3950	334	15	against	against	ADP
inlawrev-3950	334	16	discrimination	discrimination	NOUN
inlawrev-3950	334	17	)	)	PUNCT
inlawrev-3950	334	18	;	;	PUNCT
inlawrev-3950	334	19	mcglawn	mcglawn	PROPN
inlawrev-3950	334	20	v.	v.	PROPN
inlawrev-3950	334	21	pa	pa	PROPN
inlawrev-3950	334	22	.	.	PUNCT
inlawrev-3950	335	1	human	human	ADJ
inlawrev-3950	335	2	relations	relation	NOUN
inlawrev-3950	335	3	comm'n	comm'n	PROPN
inlawrev-3950	335	4	,	,	PUNCT
inlawrev-3950	335	5	891	891	NUM
inlawrev-3950	335	6	a.2d	a.2d	NUM
inlawrev-3950	335	7	757	757	NUM
inlawrev-3950	335	8	,	,	PUNCT
inlawrev-3950	335	9	761	761	NUM
inlawrev-3950	335	10	(	(	PUNCT
inlawrev-3950	335	11	pa	pa	PROPN
inlawrev-3950	335	12	.	.	PROPN
inlawrev-3950	335	13	commw	commw	PROPN
inlawrev-3950	335	14	.	.	PUNCT
inlawrev-3950	336	1	ct	ct	INTJ
inlawrev-3950	336	2	.	.	NOUN
inlawrev-3950	336	3	2006	2006	NUM
inlawrev-3950	336	4	)	)	PUNCT
inlawrev-3950	336	5	(	(	PUNCT
inlawrev-3950	336	6	holding	hold	VERB
inlawrev-3950	336	7	that	that	PRON
inlawrev-3950	336	8	reverse	reverse	NOUN
inlawrev-3950	336	9	redlining	redline	VERB
inlawrev-3950	336	10	violates	violate	VERB
inlawrev-3950	336	11	fair	fair	ADJ
inlawrev-3950	336	12	housing	housing	NOUN
inlawrev-3950	336	13	provisions	provision	NOUN
inlawrev-3950	336	14	of	of	ADP
inlawrev-3950	336	15	pennsylvania	pennsylvania	PROPN
inlawrev-3950	336	16	human	human	PROPN
inlawrev-3950	336	17	relations	relations	PROPN
inlawrev-3950	336	18	act	act	PROPN
inlawrev-3950	336	19	)	)	PUNCT
inlawrev-3950	336	20	.	.	PUNCT
inlawrev-3950	337	1	644	644	NUM
inlawrev-3950	337	2	indiana	indiana	PROPN
inlawrev-3950	337	3	law	law	PROPN
inlawrev-3950	337	4	review	review	NOUN
inlawrev-3950	337	5	[	[	X
inlawrev-3950	337	6	vol	vol	NOUN
inlawrev-3950	337	7	.	.	PUNCT
inlawrev-3950	337	8	41	41	NUM
inlawrev-3950	337	9	:	:	PUNCT
inlawrev-3950	337	10	629	629	NUM
inlawrev-3950	337	11	will	will	AUX
inlawrev-3950	337	12	be	be	AUX
inlawrev-3950	337	13	held	hold	VERB
inlawrev-3950	337	14	liable	liable	ADJ
inlawrev-3950	337	15	for	for	ADP
inlawrev-3950	337	16	violating	violate	VERB
inlawrev-3950	337	17	the	the	DET
inlawrev-3950	337	18	act	act	NOUN
inlawrev-3950	337	19	.	.	PUNCT
inlawrev-3950	338	1	in	in	ADP
inlawrev-3950	338	2	this	this	DET
inlawrev-3950	338	3	sense	sense	NOUN
inlawrev-3950	338	4	,	,	PUNCT
inlawrev-3950	338	5	the	the	DET
inlawrev-3950	338	6	fha	fha	PROPN
inlawrev-3950	338	7	provides	provide	VERB
inlawrev-3950	338	8	a	a	DET
inlawrev-3950	338	9	unique	unique	ADJ
inlawrev-3950	338	10	legal	legal	ADJ
inlawrev-3950	338	11	vehicle	vehicle	NOUN
inlawrev-3950	338	12	for	for	ADP
inlawrev-3950	338	13	attacking	attack	VERB
inlawrev-3950	338	14	the	the	DET
inlawrev-3950	338	15	practices	practice	NOUN
inlawrev-3950	338	16	that	that	PRON
inlawrev-3950	338	17	are	be	AUX
inlawrev-3950	338	18	of	of	ADP
inlawrev-3950	338	19	such	such	ADJ
inlawrev-3950	338	20	current	current	ADJ
inlawrev-3950	338	21	concern	concern	NOUN
inlawrev-3950	338	22	to	to	ADP
inlawrev-3950	338	23	cities	city	NOUN
inlawrev-3950	338	24	across	across	ADP
inlawrev-3950	338	25	the	the	DET
inlawrev-3950	338	26	country	country	NOUN
inlawrev-3950	338	27	,	,	PUNCT
inlawrev-3950	338	28	like	like	ADP
inlawrev-3950	338	29	baltimore	baltimore	PROPN
inlawrev-3950	338	30	,	,	PUNCT
inlawrev-3950	338	31	whose	whose	DET
inlawrev-3950	338	32	minority	minority	NOUN
inlawrev-3950	338	33	communities	community	NOUN
inlawrev-3950	338	34	are	be	AUX
inlawrev-3950	338	35	bearing	bear	VERB
inlawrev-3950	338	36	the	the	DET
inlawrev-3950	338	37	brunt	brunt	NOUN
inlawrev-3950	338	38	of	of	ADP
inlawrev-3950	338	39	the	the	DET
inlawrev-3950	338	40	foreclosure	foreclosure	NOUN
inlawrev-3950	338	41	crisis	crisis	NOUN
inlawrev-3950	338	42	.	.	PUNCT
inlawrev-3950	339	1	the	the	DET
inlawrev-3950	339	2	fha	fha	PROPN
inlawrev-3950	339	3	,	,	PUNCT
inlawrev-3950	339	4	however	however	ADV
inlawrev-3950	339	5	,	,	PUNCT
inlawrev-3950	339	6	is	be	AUX
inlawrev-3950	339	7	uniquely	uniquely	ADV
inlawrev-3950	339	8	positioned	position	VERB
inlawrev-3950	339	9	in	in	ADP
inlawrev-3950	339	10	other	other	ADJ
inlawrev-3950	339	11	ways	way	NOUN
inlawrev-3950	339	12	as	as	ADV
inlawrev-3950	339	13	well	well	ADV
inlawrev-3950	339	14	—	—	PUNCT
inlawrev-3950	339	15	ones	one	NOUN
inlawrev-3950	339	16	that	that	PRON
inlawrev-3950	339	17	concern	concern	VERB
inlawrev-3950	339	18	the	the	DET
inlawrev-3950	339	19	related	related	ADJ
inlawrev-3950	339	20	issues	issue	NOUN
inlawrev-3950	339	21	of	of	ADP
inlawrev-3950	339	22	standing	standing	NOUN
inlawrev-3950	339	23	and	and	CCONJ
inlawrev-3950	339	24	remedies	remedy	NOUN
inlawrev-3950	339	25	.	.	PUNCT
inlawrev-3950	340	1	standing	stand	VERB
inlawrev-3950	340	2	to	to	PART
inlawrev-3950	340	3	sue	sue	VERB
inlawrev-3950	340	4	under	under	ADP
inlawrev-3950	340	5	the	the	DET
inlawrev-3950	340	6	fha	fha	PROPN
inlawrev-3950	340	7	extends	extend	VERB
inlawrev-3950	340	8	as	as	ADV
inlawrev-3950	340	9	broadly	broadly	ADV
inlawrev-3950	340	10	as	as	SCONJ
inlawrev-3950	340	11	article	article	NOUN
inlawrev-3950	340	12	iii	iii	NUM
inlawrev-3950	340	13	of	of	ADP
inlawrev-3950	340	14	the	the	DET
inlawrev-3950	340	15	constitution	constitution	NOUN
inlawrev-3950	340	16	will	will	AUX
inlawrev-3950	340	17	allow	allow	VERB
inlawrev-3950	340	18	;	;	PUNCT
inlawrev-3950	340	19	congress	congress	PROPN
inlawrev-3950	340	20	and	and	CCONJ
inlawrev-3950	340	21	the	the	DET
inlawrev-3950	340	22	courts	court	NOUN
inlawrev-3950	340	23	have	have	AUX
inlawrev-3950	340	24	determined	determine	VERB
inlawrev-3950	340	25	that	that	SCONJ
inlawrev-3950	340	26	there	there	PRON
inlawrev-3950	340	27	are	be	VERB
inlawrev-3950	340	28	no	no	DET
inlawrev-3950	340	29	prudential	prudential	ADJ
inlawrev-3950	340	30	limitations	limitation	NOUN
inlawrev-3950	340	31	on	on	ADP
inlawrev-3950	340	32	standing	stand	VERB
inlawrev-3950	340	33	.	.	PUNCT
inlawrev-3950	341	1	^^^	^^^	ADP
inlawrev-3950	341	2	the	the	DET
inlawrev-3950	341	3	statute	statute	NOUN
inlawrev-3950	341	4	itself	itself	PRON
inlawrev-3950	341	5	provides	provide	VERB
inlawrev-3950	341	6	that	that	SCONJ
inlawrev-3950	341	7	any	any	DET
inlawrev-3950	341	8	"	"	PUNCT
inlawrev-3950	341	9	person	person	NOUN
inlawrev-3950	341	10	"	"	PUNCT
inlawrev-3950	341	11	aggrieved	aggrieve	VERB
inlawrev-3950	341	12	by	by	ADP
inlawrev-3950	341	13	conduct	conduct	NOUN
inlawrev-3950	341	14	made	make	VERB
inlawrev-3950	341	15	illegal	illegal	ADJ
inlawrev-3950	341	16	by	by	ADP
inlawrev-3950	341	17	the	the	DET
inlawrev-3950	341	18	act	act	NOUN
inlawrev-3950	341	19	may	may	AUX
inlawrev-3950	341	20	bring	bring	VERB
inlawrev-3950	341	21	suit.^^^	suit.^^^	PROPN
inlawrev-3950	341	22	the	the	DET
inlawrev-3950	341	23	fha	fha	PROPN
inlawrev-3950	341	24	defines	define	VERB
inlawrev-3950	341	25	"	"	PUNCT
inlawrev-3950	341	26	person	person	NOUN
inlawrev-3950	341	27	"	"	PUNCT
inlawrev-3950	341	28	to	to	PART
inlawrev-3950	341	29	include	include	VERB
inlawrev-3950	341	30	corporations	corporation	NOUN
inlawrev-3950	341	31	.	.	PUNCT
inlawrev-3950	342	1	^^^	^^^	PUNCT
inlawrev-3950	342	2	many	many	ADJ
inlawrev-3950	342	3	cities	city	NOUN
inlawrev-3950	342	4	,	,	PUNCT
inlawrev-3950	342	5	like	like	ADP
inlawrev-3950	342	6	baltimore	baltimore	PROPN
inlawrev-3950	342	7	,	,	PUNCT
inlawrev-3950	342	8	are	be	AUX
inlawrev-3950	342	9	incorporated	incorporate	VERB
inlawrev-3950	342	10	and	and	CCONJ
inlawrev-3950	342	11	thus	thus	ADV
inlawrev-3950	342	12	fall	fall	VERB
inlawrev-3950	342	13	directly	directly	ADV
inlawrev-3950	342	14	within	within	ADP
inlawrev-3950	342	15	the	the	DET
inlawrev-3950	342	16	definition	definition	NOUN
inlawrev-3950	342	17	of	of	ADP
inlawrev-3950	342	18	"	"	PUNCT
inlawrev-3950	342	19	person	person	NOUN
inlawrev-3950	342	20	"	"	PUNCT
inlawrev-3950	342	21	for	for	ADP
inlawrev-3950	342	22	purposes	purpose	NOUN
inlawrev-3950	342	23	of	of	ADP
inlawrev-3950	342	24	standing	standing	NOUN
inlawrev-3950	342	25	.	.	PUNCT
inlawrev-3950	343	1	indeed	indeed	ADV
inlawrev-3950	343	2	,	,	PUNCT
inlawrev-3950	343	3	the	the	DET
inlawrev-3950	343	4	plaintiff	plaintiff	NOUN
inlawrev-3950	343	5	in	in	ADP
inlawrev-3950	343	6	one	one	NUM
inlawrev-3950	343	7	of	of	ADP
inlawrev-3950	343	8	the	the	DET
inlawrev-3950	343	9	supreme	supreme	PROPN
inlawrev-3950	343	10	court	court	PROPN
inlawrev-3950	343	11	's	's	PART
inlawrev-3950	343	12	relatively	relatively	ADV
inlawrev-3950	343	13	few	few	ADJ
inlawrev-3950	343	14	fha	fha	PROPN
inlawrev-3950	343	15	cases	case	NOUN
inlawrev-3950	343	16	was	be	AUX
inlawrev-3950	343	17	a	a	DET
inlawrev-3950	343	18	municipal	municipal	ADJ
inlawrev-3950	343	19	corporation.^^	corporation.^^	NOUN
inlawrev-3950	343	20	this	this	PRON
inlawrev-3950	343	21	means	mean	VERB
inlawrev-3950	343	22	that	that	SCONJ
inlawrev-3950	343	23	where	where	SCONJ
inlawrev-3950	343	24	a	a	DET
inlawrev-3950	343	25	city	city	NOUN
inlawrev-3950	343	26	claims	claim	VERB
inlawrev-3950	343	27	injury	injury	NOUN
inlawrev-3950	343	28	from	from	ADP
inlawrev-3950	343	29	the	the	DET
inlawrev-3950	343	30	reverse	reverse	ADJ
inlawrev-3950	343	31	redlining	redline	VERB
inlawrev-3950	343	32	practices	practice	NOUN
inlawrev-3950	343	33	of	of	ADP
inlawrev-3950	343	34	a	a	DET
inlawrev-3950	343	35	given	give	VERB
inlawrev-3950	343	36	lender	lender	NOUN
inlawrev-3950	343	37	,	,	PUNCT
inlawrev-3950	343	38	it	it	PRON
inlawrev-3950	343	39	has	have	AUX
inlawrev-3950	343	40	standing	stand	VERB
inlawrev-3950	343	41	to	to	PART
inlawrev-3950	343	42	pursue	pursue	VERB
inlawrev-3950	343	43	a	a	DET
inlawrev-3950	343	44	federal	federal	ADJ
inlawrev-3950	343	45	fair	fair	ADJ
inlawrev-3950	343	46	housing	housing	NOUN
inlawrev-3950	343	47	claim	claim	NOUN
inlawrev-3950	343	48	against	against	ADP
inlawrev-3950	343	49	that	that	DET
inlawrev-3950	343	50	entity	entity	NOUN
inlawrev-3950	343	51	.	.	PUNCT
inlawrev-3950	344	1	b.	b.	PROPN
inlawrev-3950	344	2	damages	damage	NOUN
inlawrev-3950	344	3	when	when	SCONJ
inlawrev-3950	344	4	it	it	PRON
inlawrev-3950	344	5	comes	come	VERB
inlawrev-3950	344	6	to	to	ADP
inlawrev-3950	344	7	remedies	remedy	NOUN
inlawrev-3950	344	8	,	,	PUNCT
inlawrev-3950	344	9	the	the	DET
inlawrev-3950	344	10	fha	fha	PROPN
inlawrev-3950	344	11	is	be	AUX
inlawrev-3950	344	12	equally	equally	ADV
inlawrev-3950	344	13	useful	useful	ADJ
inlawrev-3950	344	14	to	to	ADP
inlawrev-3950	344	15	municipal	municipal	ADJ
inlawrev-3950	344	16	plaintiffs	plaintiff	NOUN
inlawrev-3950	344	17	like	like	ADP
inlawrev-3950	344	18	baltimore	baltimore	PROPN
inlawrev-3950	344	19	.	.	PUNCT
inlawrev-3950	345	1	as	as	SCONJ
inlawrev-3950	345	2	originally	originally	ADV
inlawrev-3950	345	3	drafted	draft	VERB
inlawrev-3950	345	4	in	in	ADP
inlawrev-3950	345	5	1968	1968	NUM
inlawrev-3950	345	6	,	,	PUNCT
inlawrev-3950	345	7	the	the	DET
inlawrev-3950	345	8	fha	fha	PROPN
inlawrev-3950	345	9	permitted	permit	VERB
inlawrev-3950	345	10	aggrieved	aggrieved	ADJ
inlawrev-3950	345	11	persons	person	NOUN
inlawrev-3950	345	12	to	to	PART
inlawrev-3950	345	13	recover	recover	VERB
inlawrev-3950	345	14	unlimited	unlimited	ADJ
inlawrev-3950	345	15	compensatory	compensatory	ADJ
inlawrev-3950	345	16	damages	damage	NOUN
inlawrev-3950	345	17	,	,	PUNCT
inlawrev-3950	345	18	but	but	CCONJ
inlawrev-3950	345	19	capped	capped	ADJ
inlawrev-3950	345	20	punitive	punitive	ADJ
inlawrev-3950	345	21	damages	damage	NOUN
inlawrev-3950	345	22	at	at	ADP
inlawrev-3950	345	23	$	$	SYM
inlawrev-3950	345	24	1000.^^^	1000.^^^	NUM
inlawrev-3950	345	25	in	in	ADP
inlawrev-3950	345	26	1988	1988	NUM
inlawrev-3950	345	27	,	,	PUNCT
inlawrev-3950	345	28	the	the	DET
inlawrev-3950	345	29	act	act	NOUN
inlawrev-3950	345	30	was	be	AUX
inlawrev-3950	345	31	amended	amend	VERB
inlawrev-3950	345	32	to	to	PART
inlawrev-3950	345	33	remove	remove	VERB
inlawrev-3950	345	34	the	the	DET
inlawrev-3950	345	35	cap	cap	NOUN
inlawrev-3950	345	36	on	on	ADP
inlawrev-3950	345	37	punitive	punitive	ADJ
inlawrev-3950	345	38	damages	damage	NOUN
inlawrev-3950	345	39	.	.	PUNCT
inlawrev-3950	346	1	^^^	^^^	ADP
inlawrev-3950	346	2	any	any	DET
inlawrev-3950	346	3	municipality	municipality	NOUN
inlawrev-3950	346	4	,	,	PUNCT
inlawrev-3950	346	5	therefore	therefore	ADV
inlawrev-3950	346	6	,	,	PUNCT
inlawrev-3950	346	7	that	that	PRON
inlawrev-3950	346	8	brings	bring	VERB
inlawrev-3950	346	9	a	a	DET
inlawrev-3950	346	10	reverse	reverse	NOUN
inlawrev-3950	346	11	redlining	redline	VERB
inlawrev-3950	346	12	101	101	NUM
inlawrev-3950	346	13	.	.	PUNCT
inlawrev-3950	347	1	see	see	VERB
inlawrev-3950	347	2	havens	havens	PROPN
inlawrev-3950	347	3	realty	realty	PROPN
inlawrev-3950	347	4	corp	corp	PROPN
inlawrev-3950	347	5	.	.	PROPN
inlawrev-3950	348	1	v.	v.	PROPN
inlawrev-3950	348	2	coleman	coleman	PROPN
inlawrev-3950	348	3	,	,	PUNCT
inlawrev-3950	348	4	455	455	PROPN
inlawrev-3950	348	5	u.s	u.s	PROPN
inlawrev-3950	348	6	.	.	PROPN
inlawrev-3950	348	7	363	363	NUM
inlawrev-3950	348	8	,	,	PUNCT
inlawrev-3950	348	9	372	372	NUM
inlawrev-3950	348	10	(	(	PUNCT
inlawrev-3950	348	11	1982	1982	NUM
inlawrev-3950	348	12	)	)	PUNCT
inlawrev-3950	348	13	;	;	PUNCT
inlawrev-3950	349	1	gladstone	gladstone	NOUN
inlawrev-3950	349	2	realtors	realtor	NOUN
inlawrev-3950	349	3	v.	v.	ADP
inlawrev-3950	349	4	vill	vill	NOUN
inlawrev-3950	349	5	.	.	PUNCT
inlawrev-3950	350	1	of	of	ADP
inlawrev-3950	350	2	bellwood	bellwood	PROPN
inlawrev-3950	350	3	,	,	PUNCT
inlawrev-3950	350	4	441	441	NUM
inlawrev-3950	350	5	u.s	u.s	PROPN
inlawrev-3950	350	6	.	.	PROPN
inlawrev-3950	350	7	91	91	NUM
inlawrev-3950	350	8	,	,	PUNCT
inlawrev-3950	350	9	103	103	NUM
inlawrev-3950	350	10	n.9	n.9	NOUN
inlawrev-3950	350	11	,	,	PUNCT
inlawrev-3950	350	12	109	109	NUM
inlawrev-3950	350	13	(	(	PUNCT
inlawrev-3950	350	14	1979	1979	NUM
inlawrev-3950	350	15	)	)	PUNCT
inlawrev-3950	350	16	;	;	PUNCT
inlawrev-3950	350	17	trafficante	trafficante	VERB
inlawrev-3950	350	18	v.	v.	ADP
inlawrev-3950	350	19	metro	metro	PROPN
inlawrev-3950	350	20	.	.	PUNCT
inlawrev-3950	351	1	life	life	NOUN
inlawrev-3950	351	2	ins	ins	PROPN
inlawrev-3950	351	3	.	.	PUNCT
inlawrev-3950	351	4	co.	co.	PROPN
inlawrev-3950	351	5	,	,	PUNCT
inlawrev-3950	351	6	409	409	NUM
inlawrev-3950	351	7	u.s	u.s	PROPN
inlawrev-3950	351	8	.	.	PROPN
inlawrev-3950	351	9	205,209(1972	205,209(1972	PROPN
inlawrev-3950	351	10	)	)	PUNCT
inlawrev-3950	351	11	.	.	PUNCT
inlawrev-3950	352	1	102	102	NUM
inlawrev-3950	352	2	.	.	X
inlawrev-3950	353	1	42	42	NUM
inlawrev-3950	353	2	u.s.c	u.s.c	ADJ
inlawrev-3950	353	3	.	.	PUNCT
inlawrev-3950	354	1	§	§	PROPN
inlawrev-3950	354	2	3613(a)(1)(a	3613(a)(1)(a	NUM
inlawrev-3950	354	3	)	)	PUNCT
inlawrev-3950	354	4	(	(	PUNCT
inlawrev-3950	354	5	2000	2000	NUM
inlawrev-3950	354	6	)	)	PUNCT
inlawrev-3950	354	7	.	.	PUNCT
inlawrev-3950	355	1	103	103	NUM
inlawrev-3950	355	2	.	.	PUNCT
inlawrev-3950	356	1	i	i	PRON
inlawrev-3950	356	2	d.	d.	PROPN
inlawrev-3950	356	3	§	§	PROPN
inlawrev-3950	356	4	3602(d	3602(d	PROPN
inlawrev-3950	356	5	)	)	PUNCT
inlawrev-3950	356	6	.	.	PUNCT
inlawrev-3950	357	1	104	104	X
inlawrev-3950	357	2	.	.	PUNCT
inlawrev-3950	358	1	see	see	VERB
inlawrev-3950	358	2	gladstone	gladstone	NOUN
inlawrev-3950	358	3	,	,	PUNCT
inlawrev-3950	358	4	realtors	realtor	NOUN
inlawrev-3950	358	5	v.	v.	ADP
inlawrev-3950	358	6	vill	vill	NOUN
inlawrev-3950	358	7	.	.	PUNCT
inlawrev-3950	359	1	of	of	ADP
inlawrev-3950	359	2	bellwood	bellwood	PROPN
inlawrev-3950	359	3	,	,	PUNCT
inlawrev-3950	359	4	441	441	NUM
inlawrev-3950	359	5	u.s	u.s	PROPN
inlawrev-3950	359	6	.	.	PROPN
inlawrev-3950	359	7	91	91	NUM
inlawrev-3950	359	8	,	,	PUNCT
inlawrev-3950	359	9	93	93	NUM
inlawrev-3950	359	10	(	(	PUNCT
inlawrev-3950	359	11	1979	1979	NUM
inlawrev-3950	359	12	)	)	PUNCT
inlawrev-3950	359	13	.	.	PUNCT
inlawrev-3950	360	1	in	in	ADP
inlawrev-3950	360	2	the	the	DET
inlawrev-3950	360	3	decision	decision	NOUN
inlawrev-3950	360	4	under	under	ADP
inlawrev-3950	360	5	review	review	NOUN
inlawrev-3950	360	6	,	,	PUNCT
inlawrev-3950	360	7	the	the	DET
inlawrev-3950	360	8	seventh	seventh	ADJ
inlawrev-3950	360	9	circuit	circuit	NOUN
inlawrev-3950	360	10	held	hold	VERB
inlawrev-3950	360	11	that	that	SCONJ
inlawrev-3950	360	12	a	a	DET
inlawrev-3950	360	13	village	village	NOUN
inlawrev-3950	360	14	,	,	PUNCT
inlawrev-3950	360	15	as	as	ADP
inlawrev-3950	360	16	a	a	DET
inlawrev-3950	360	17	municipal	municipal	ADJ
inlawrev-3950	360	18	corporation	corporation	NOUN
inlawrev-3950	360	19	,	,	PUNCT
inlawrev-3950	360	20	had	have	AUX
inlawrev-3950	360	21	standing	stand	VERB
inlawrev-3950	360	22	as	as	ADP
inlawrev-3950	360	23	a	a	DET
inlawrev-3950	360	24	"	"	PUNCT
inlawrev-3950	360	25	person	person	NOUN
inlawrev-3950	360	26	"	"	PUNCT
inlawrev-3950	360	27	under	under	ADP
inlawrev-3950	360	28	the	the	DET
inlawrev-3950	360	29	fha	fha	PROPN
inlawrev-3950	360	30	.	.	PROPN
inlawrev-3950	360	31	vill	vill	PROPN
inlawrev-3950	360	32	.	.	PUNCT
inlawrev-3950	361	1	of	of	ADP
inlawrev-3950	361	2	bellwood	bellwood	PROPN
inlawrev-3950	361	3	v.	v.	ADP
inlawrev-3950	361	4	gladstone	gladstone	NOUN
inlawrev-3950	361	5	realtors	realtor	NOUN
inlawrev-3950	361	6	,	,	PUNCT
inlawrev-3950	361	7	569	569	NUM
inlawrev-3950	361	8	f.2d	f.2d	NOUN
inlawrev-3950	361	9	1013	1013	NUM
inlawrev-3950	361	10	,	,	PUNCT
inlawrev-3950	361	11	1020	1020	NUM
inlawrev-3950	361	12	n.8	n.8	X
inlawrev-3950	361	13	(	(	PUNCT
inlawrev-3950	361	14	7th	7th	ADJ
inlawrev-3950	361	15	cir	cir	NOUN
inlawrev-3950	361	16	.	.	PROPN
inlawrev-3950	361	17	1978	1978	NUM
inlawrev-3950	361	18	)	)	PUNCT
inlawrev-3950	361	19	,	,	PUNCT
inlawrev-3950	361	20	aff'd	aff'd	VERB
inlawrev-3950	361	21	in	in	ADP
inlawrev-3950	361	22	part	part	NOUN
inlawrev-3950	361	23	,	,	PUNCT
inlawrev-3950	361	24	441	441	NUM
inlawrev-3950	361	25	u.s	u.s	PROPN
inlawrev-3950	361	26	.	.	PROPN
inlawrev-3950	361	27	91	91	NUM
inlawrev-3950	361	28	(	(	PUNCT
inlawrev-3950	361	29	1979	1979	NUM
inlawrev-3950	361	30	)	)	PUNCT
inlawrev-3950	361	31	.	.	PUNCT
inlawrev-3950	362	1	the	the	DET
inlawrev-3950	362	2	supreme	supreme	PROPN
inlawrev-3950	362	3	court	court	PROPN
inlawrev-3950	362	4	noted	note	VERB
inlawrev-3950	362	5	the	the	DET
inlawrev-3950	362	6	seventh	seventh	ADJ
inlawrev-3950	362	7	circuit	circuit	NOUN
inlawrev-3950	362	8	's	's	PART
inlawrev-3950	362	9	holding	holding	NOUN
inlawrev-3950	362	10	,	,	PUNCT
inlawrev-3950	362	11	but	but	CCONJ
inlawrev-3950	362	12	did	do	AUX
inlawrev-3950	362	13	not	not	PART
inlawrev-3950	362	14	address	address	VERB
inlawrev-3950	362	15	the	the	DET
inlawrev-3950	362	16	issue	issue	NOUN
inlawrev-3950	362	17	because	because	SCONJ
inlawrev-3950	362	18	it	it	PRON
inlawrev-3950	362	19	had	have	AUX
inlawrev-3950	362	20	been	be	AUX
inlawrev-3950	362	21	raised	raise	VERB
inlawrev-3950	362	22	belatedly	belatedly	ADV
inlawrev-3950	362	23	.	.	PUNCT
inlawrev-3950	363	1	gladstone	gladstone	NOUN
inlawrev-3950	363	2	realtors	realtor	NOUN
inlawrev-3950	363	3	,	,	PUNCT
inlawrev-3950	363	4	44	44	NUM
inlawrev-3950	363	5	1	1	NUM
inlawrev-3950	363	6	u.s	u.s	PROPN
inlawrev-3950	363	7	.	.	PROPN
inlawrev-3950	363	8	at	at	ADP
inlawrev-3950	363	9	109	109	NUM
inlawrev-3950	363	10	n.2l	n.2l	NUM
inlawrev-3950	363	11	,	,	PUNCT
inlawrev-3950	363	12	see	see	VERB
inlawrev-3950	363	13	also	also	ADV
inlawrev-3950	363	14	city	city	NOUN
inlawrev-3950	363	15	of	of	ADP
inlawrev-3950	363	16	chi	chi	PROPN
inlawrev-3950	363	17	.	.	PUNCT
inlawrev-3950	364	1	v.	v.	CCONJ
inlawrev-3950	364	2	matchmaker	matchmaker	ADJ
inlawrev-3950	364	3	real	real	ADJ
inlawrev-3950	364	4	estate	estate	NOUN
inlawrev-3950	364	5	sales	sale	NOUN
inlawrev-3950	364	6	ctr	ctr	PROPN
inlawrev-3950	364	7	.	.	PROPN
inlawrev-3950	364	8	,	,	PUNCT
inlawrev-3950	364	9	inc	inc	PROPN
inlawrev-3950	364	10	.	.	PROPN
inlawrev-3950	364	11	,	,	PUNCT
inlawrev-3950	364	12	982	982	NUM
inlawrev-3950	364	13	f.2d	f.2d	NOUN
inlawrev-3950	364	14	1086	1086	NUM
inlawrev-3950	364	15	,	,	PUNCT
inlawrev-3950	364	16	1095	1095	NUM
inlawrev-3950	364	17	(	(	PUNCT
inlawrev-3950	364	18	7th	7th	ADJ
inlawrev-3950	364	19	cir	cir	NOUN
inlawrev-3950	364	20	.	.	PROPN
inlawrev-3950	364	21	1992	1992	NUM
inlawrev-3950	364	22	)	)	PUNCT
inlawrev-3950	364	23	(	(	PUNCT
inlawrev-3950	364	24	finding	find	VERB
inlawrev-3950	364	25	chicago	chicago	PROPN
inlawrev-3950	364	26	had	have	AUX
inlawrev-3950	364	27	standing	stand	VERB
inlawrev-3950	364	28	under	under	ADP
inlawrev-3950	364	29	fha	fha	PROPN
inlawrev-3950	364	30	)	)	PUNCT
inlawrev-3950	364	31	;	;	PUNCT
inlawrev-3950	365	1	vill	vill	NOUN
inlawrev-3950	365	2	.	.	PUNCT
inlawrev-3950	366	1	ofbellwood	ofbellwood	PROPN
inlawrev-3950	366	2	v.	v.	PROPN
inlawrev-3950	366	3	dwivedi	dwivedi	PROPN
inlawrev-3950	366	4	,	,	PUNCT
inlawrev-3950	366	5	895	895	NUM
inlawrev-3950	366	6	f.2d	f.2d	NOUN
inlawrev-3950	366	7	1521	1521	NUM
inlawrev-3950	366	8	,	,	PUNCT
inlawrev-3950	366	9	1525	1525	NUM
inlawrev-3950	366	10	(	(	PUNCT
inlawrev-3950	366	11	7th	7th	ADJ
inlawrev-3950	366	12	cir	cir	NOUN
inlawrev-3950	366	13	.	.	PROPN
inlawrev-3950	366	14	1990	1990	NUM
inlawrev-3950	366	15	)	)	PUNCT
inlawrev-3950	366	16	(	(	PUNCT
inlawrev-3950	366	17	village	village	NOUN
inlawrev-3950	366	18	of	of	ADP
inlawrev-3950	366	19	bellwood	bellwood	PROPN
inlawrev-3950	366	20	had	have	AUX
inlawrev-3950	366	21	standing	stand	VERB
inlawrev-3950	366	22	under	under	ADP
inlawrev-3950	366	23	fha	fha	PROPN
inlawrev-3950	366	24	)	)	PUNCT
inlawrev-3950	366	25	;	;	PUNCT
inlawrev-3950	366	26	heights	height	NOUN
inlawrev-3950	366	27	cmty	cmty	NOUN
inlawrev-3950	366	28	.	.	PUNCT
inlawrev-3950	367	1	cong	cong	NOUN
inlawrev-3950	367	2	.	.	PUNCT
inlawrev-3950	368	1	v.	v.	ADP
inlawrev-3950	368	2	hilltop	hilltop	PROPN
inlawrev-3950	368	3	realty	realty	PROPN
inlawrev-3950	368	4	,	,	PUNCT
inlawrev-3950	368	5	inc	inc	PROPN
inlawrev-3950	368	6	.	.	PROPN
inlawrev-3950	368	7	,	,	PUNCT
inlawrev-3950	368	8	774	774	NUM
inlawrev-3950	368	9	f.2d	f.2d	NOUN
inlawrev-3950	368	10	135	135	NUM
inlawrev-3950	368	11	,	,	PUNCT
inlawrev-3950	368	12	138	138	NUM
inlawrev-3950	368	13	-	-	SYM
inlawrev-3950	368	14	39	39	NUM
inlawrev-3950	368	15	(	(	PUNCT
inlawrev-3950	368	16	6th	6th	ADJ
inlawrev-3950	368	17	cir	cir	NOUN
inlawrev-3950	368	18	.	.	PROPN
inlawrev-3950	368	19	1985	1985	NUM
inlawrev-3950	368	20	)	)	PUNCT
inlawrev-3950	368	21	(	(	PUNCT
inlawrev-3950	368	22	finding	find	VERB
inlawrev-3950	368	23	cleveland	cleveland	NOUN
inlawrev-3950	368	24	heights	height	NOUN
inlawrev-3950	368	25	had	have	AUX
inlawrev-3950	368	26	standing	stand	VERB
inlawrev-3950	368	27	under	under	ADP
inlawrev-3950	368	28	fha	fha	PROPN
inlawrev-3950	368	29	)	)	PUNCT
inlawrev-3950	368	30	.	.	PUNCT
inlawrev-3950	369	1	105	105	NUM
inlawrev-3950	369	2	.	.	PUNCT
inlawrev-3950	370	1	see	see	VERB
inlawrev-3950	370	2	n.j	n.j	PROPN
inlawrev-3950	370	3	.	.	PROPN
inlawrev-3950	370	4	coal	coal	PROPN
inlawrev-3950	370	5	,	,	PUNCT
inlawrev-3950	370	6	of	of	ADP
inlawrev-3950	370	7	rooming	rooming	NOUN
inlawrev-3950	370	8	&	&	CCONJ
inlawrev-3950	370	9	boarding	boarding	NOUN
inlawrev-3950	370	10	house	house	NOUN
inlawrev-3950	370	11	owners	owner	NOUN
inlawrev-3950	370	12	v.	v.	ADP
inlawrev-3950	370	13	mayor	mayor	PROPN
inlawrev-3950	370	14	&	&	CCONJ
inlawrev-3950	370	15	council	council	PROPN
inlawrev-3950	370	16	of	of	ADP
inlawrev-3950	370	17	city	city	PROPN
inlawrev-3950	370	18	of	of	ADP
inlawrev-3950	370	19	asbury	asbury	PROPN
inlawrev-3950	370	20	park	park	PROPN
inlawrev-3950	370	21	,	,	PUNCT
inlawrev-3950	370	22	152	152	NUM
inlawrev-3950	370	23	f,3d	f,3d	PROPN
inlawrev-3950	370	24	217	217	NUM
inlawrev-3950	370	25	,	,	PUNCT
inlawrev-3950	370	26	223	223	NUM
inlawrev-3950	370	27	(	(	PUNCT
inlawrev-3950	370	28	3d	3d	NUM
inlawrev-3950	370	29	cir	cir	NOUN
inlawrev-3950	370	30	.	.	PROPN
inlawrev-3950	370	31	1998	1998	NUM
inlawrev-3950	370	32	)	)	PUNCT
inlawrev-3950	371	1	(	(	PUNCT
inlawrev-3950	371	2	discussing	discuss	VERB
inlawrev-3950	371	3	limitation	limitation	NOUN
inlawrev-3950	371	4	on	on	ADP
inlawrev-3950	371	5	punidve	punidve	ADJ
inlawrev-3950	371	6	damages	damage	NOUN
inlawrev-3950	371	7	as	as	SCONJ
inlawrev-3950	371	8	fha	fha	PROPN
inlawrev-3950	371	9	was	be	AUX
inlawrev-3950	371	10	originally	originally	ADV
inlawrev-3950	371	11	enacted	enact	VERB
inlawrev-3950	371	12	)	)	PUNCT
inlawrev-3950	371	13	.	.	PUNCT
inlawrev-3950	372	1	106	106	NUM
inlawrev-3950	372	2	.	.	PUNCT
inlawrev-3950	373	1	see	see	VERB
inlawrev-3950	373	2	i	i	PRON
inlawrev-3950	373	3	d.	d.	PROPN
inlawrev-3950	373	4	at	at	ADP
inlawrev-3950	373	5	223	223	NUM
inlawrev-3950	373	6	-	-	SYM
inlawrev-3950	373	7	24	24	NUM
inlawrev-3950	373	8	(	(	PUNCT
inlawrev-3950	373	9	discussing	discuss	VERB
inlawrev-3950	373	10	1988	1988	NUM
inlawrev-3950	373	11	amendment	amendment	NOUN
inlawrev-3950	373	12	whereby	whereby	SCONJ
inlawrev-3950	373	13	congress	congress	PROPN
inlawrev-3950	373	14	removed	remove	VERB
inlawrev-3950	373	15	the	the	DET
inlawrev-3950	373	16	$	$	SYM
inlawrev-3950	373	17	1000	1000	NUM
inlawrev-3950	373	18	ceiling	ceiling	NOUN
inlawrev-3950	373	19	on	on	ADP
inlawrev-3950	373	20	punitive	punitive	ADJ
inlawrev-3950	373	21	damages	damage	NOUN
inlawrev-3950	373	22	)	)	PUNCT
inlawrev-3950	373	23	;	;	PUNCT
inlawrev-3950	373	24	fair	fair	ADJ
inlawrev-3950	373	25	housing	housing	NOUN
inlawrev-3950	373	26	amendments	amendment	NOUN
inlawrev-3950	373	27	act	act	NOUN
inlawrev-3950	373	28	of	of	ADP
inlawrev-3950	373	29	1988	1988	NUM
inlawrev-3950	373	30	,	,	PUNCT
inlawrev-3950	373	31	§	§	PROPN
inlawrev-3950	373	32	8	8	NUM
inlawrev-3950	373	33	,	,	PUNCT
inlawrev-3950	373	34	42	42	NUM
inlawrev-3950	373	35	u.s.c	u.s.c	ADJ
inlawrev-3950	373	36	.	.	PUNCT
inlawrev-3950	374	1	§	§	PROPN
inlawrev-3950	374	2	3613(c)(1	3613(c)(1	NUM
inlawrev-3950	374	3	)	)	PUNCT
inlawrev-3950	374	4	(	(	PUNCT
inlawrev-3950	374	5	2000	2000	NUM
inlawrev-3950	374	6	)	)	PUNCT
inlawrev-3950	374	7	(	(	PUNCT
inlawrev-3950	374	8	"	"	PUNCT
inlawrev-3950	374	9	[	[	X
inlawrev-3950	374	10	t]he	t]he	ADJ
inlawrev-3950	374	11	court	court	NOUN
inlawrev-3950	374	12	may	may	AUX
inlawrev-3950	374	13	award	award	VERB
inlawrev-3950	374	14	to	to	ADP
inlawrev-3950	374	15	the	the	DET
inlawrev-3950	374	16	plaintiff	plaintiff	NOUN
inlawrev-3950	374	17	actual	actual	ADJ
inlawrev-3950	374	18	and	and	CCONJ
inlawrev-3950	374	19	punitive	punitive	ADJ
inlawrev-3950	374	20	damages	damage	NOUN
inlawrev-3950	374	21	.	.	PUNCT
inlawrev-3950	374	22	.	.	PUNCT
inlawrev-3950	374	23	.	.	PUNCT
inlawrev-3950	374	24	.	.	PUNCT
inlawrev-3950	375	1	"	"	PUNCT
inlawrev-3950	375	2	)	)	PUNCT
inlawrev-3950	375	3	.	.	PUNCT
inlawrev-3950	376	1	2008	2008	NUM
inlawrev-3950	376	2	]	]	PUNCT
inlawrev-3950	376	3	future	future	NOUN
inlawrev-3950	376	4	of	of	ADP
inlawrev-3950	376	5	the	the	DET
inlawrev-3950	376	6	fair	fair	ADJ
inlawrev-3950	376	7	housing	housing	PROPN
inlawrev-3950	376	8	act	act	NOUN
inlawrev-3950	376	9	645	645	NUM
inlawrev-3950	376	10	claim	claim	NOUN
inlawrev-3950	376	11	may	may	AUX
inlawrev-3950	376	12	seek	seek	VERB
inlawrev-3950	376	13	unlimited	unlimited	ADJ
inlawrev-3950	376	14	punitive	punitive	ADJ
inlawrev-3950	376	15	damages	damage	NOUN
inlawrev-3950	376	16	against	against	ADP
inlawrev-3950	376	17	a	a	DET
inlawrev-3950	376	18	defendant	defendant	NOUN
inlawrev-3950	376	19	lender	lender	NOUN
inlawrev-3950	376	20	—	—	PUNCT
inlawrev-3950	376	21	subject	subject	ADJ
inlawrev-3950	376	22	only	only	ADV
inlawrev-3950	376	23	to	to	ADP
inlawrev-3950	376	24	constitutional	constitutional	ADJ
inlawrev-3950	376	25	due	due	ADJ
inlawrev-3950	376	26	process	process	NOUN
inlawrev-3950	376	27	limitations	limitation	NOUN
inlawrev-3950	376	28	having	have	VERB
inlawrev-3950	376	29	to	to	PART
inlawrev-3950	376	30	do	do	VERB
inlawrev-3950	376	31	with	with	ADP
inlawrev-3950	376	32	the	the	DET
inlawrev-3950	376	33	ratio	ratio	NOUN
inlawrev-3950	376	34	of	of	ADP
inlawrev-3950	376	35	the	the	DET
inlawrev-3950	376	36	size	size	NOUN
inlawrev-3950	376	37	of	of	ADP
inlawrev-3950	376	38	punitive	punitive	ADJ
inlawrev-3950	376	39	to	to	ADP
inlawrev-3950	376	40	compensatory	compensatory	ADJ
inlawrev-3950	376	41	damages	damage	NOUN
inlawrev-3950	376	42	.	.	PUNCT
inlawrev-3950	377	1	^^^	^^^	NOUN
inlawrev-3950	377	2	damages	damage	NOUN
inlawrev-3950	377	3	,	,	PUNCT
inlawrev-3950	377	4	of	of	ADP
inlawrev-3950	377	5	course	course	NOUN
inlawrev-3950	377	6	,	,	PUNCT
inlawrev-3950	377	7	must	must	AUX
inlawrev-3950	377	8	be	be	AUX
inlawrev-3950	377	9	proven	prove	VERB
inlawrev-3950	377	10	.	.	PUNCT
inlawrev-3950	378	1	however	however	ADV
inlawrev-3950	378	2	,	,	PUNCT
inlawrev-3950	378	3	here	here	ADV
inlawrev-3950	378	4	too	too	ADV
inlawrev-3950	378	5	,	,	PUNCT
inlawrev-3950	378	6	the	the	DET
inlawrev-3950	378	7	empirical	empirical	ADJ
inlawrev-3950	378	8	and	and	CCONJ
inlawrev-3950	378	9	methodological	methodological	ADJ
inlawrev-3950	378	10	foundation	foundation	NOUN
inlawrev-3950	378	11	is	be	AUX
inlawrev-3950	378	12	strong	strong	ADJ
inlawrev-3950	378	13	for	for	ADP
inlawrev-3950	378	14	cities	city	NOUN
inlawrev-3950	378	15	,	,	PUNCT
inlawrev-3950	378	16	like	like	ADP
inlawrev-3950	378	17	baltimore	baltimore	PROPN
inlawrev-3950	378	18	,	,	PUNCT
inlawrev-3950	378	19	that	that	PRON
inlawrev-3950	378	20	seek	seek	VERB
inlawrev-3950	378	21	to	to	PART
inlawrev-3950	378	22	show	show	VERB
inlawrev-3950	378	23	the	the	DET
inlawrev-3950	378	24	precise	precise	ADJ
inlawrev-3950	378	25	harm	harm	NOUN
inlawrev-3950	378	26	in	in	ADP
inlawrev-3950	378	27	dollar	dollar	NOUN
inlawrev-3950	378	28	terms	term	NOUN
inlawrev-3950	378	29	that	that	SCONJ
inlawrev-3950	378	30	they	they	PRON
inlawrev-3950	378	31	have	have	AUX
inlawrev-3950	378	32	suffered	suffer	VERB
inlawrev-3950	378	33	from	from	ADP
inlawrev-3950	378	34	the	the	DET
inlawrev-3950	378	35	current	current	ADJ
inlawrev-3950	378	36	wave	wave	NOUN
inlawrev-3950	378	37	of	of	ADP
inlawrev-3950	378	38	foreclosures	foreclosure	NOUN
inlawrev-3950	378	39	.	.	PUNCT
inlawrev-3950	379	1	as	as	ADP
inlawrev-3950	379	2	a	a	DET
inlawrev-3950	379	3	general	general	ADJ
inlawrev-3950	379	4	matter	matter	NOUN
inlawrev-3950	379	5	,	,	PUNCT
inlawrev-3950	379	6	foreclosures	foreclosure	NOUN
inlawrev-3950	379	7	caused	cause	VERB
inlawrev-3950	379	8	by	by	ADP
inlawrev-3950	379	9	discriminatory	discriminatory	ADJ
inlawrev-3950	379	10	reverse	reverse	NOUN
inlawrev-3950	379	11	redlining	redline	VERB
inlawrev-3950	379	12	practices	practice	NOUN
inlawrev-3950	379	13	produce	produce	VERB
inlawrev-3950	379	14	multiple	multiple	ADJ
inlawrev-3950	379	15	types	type	NOUN
inlawrev-3950	379	16	of	of	ADP
inlawrev-3950	379	17	injuries	injury	NOUN
inlawrev-3950	379	18	to	to	ADP
inlawrev-3950	379	19	a	a	DET
inlawrev-3950	379	20	city	city	NOUN
inlawrev-3950	379	21	like	like	ADP
inlawrev-3950	379	22	baltimore	baltimore	PROPN
inlawrev-3950	379	23	.	.	PUNCT
inlawrev-3950	380	1	foreclosures	foreclosure	NOUN
inlawrev-3950	380	2	result	result	VERB
inlawrev-3950	380	3	in	in	ADP
inlawrev-3950	380	4	a	a	DET
inlawrev-3950	380	5	dramatic	dramatic	ADJ
inlawrev-3950	380	6	increase	increase	NOUN
inlawrev-3950	380	7	in	in	ADP
inlawrev-3950	380	8	the	the	DET
inlawrev-3950	380	9	number	number	NOUN
inlawrev-3950	380	10	of	of	ADP
inlawrev-3950	380	11	abandoned	abandon	VERB
inlawrev-3950	380	12	and	and	CCONJ
inlawrev-3950	380	13	vacant	vacant	ADJ
inlawrev-3950	380	14	homes	home	NOUN
inlawrev-3950	380	15	.	.	PUNCT
inlawrev-3950	381	1	'	'	PUNCT
inlawrev-3950	381	2	^^	^^	NUM
inlawrev-3950	381	3	frequently	frequently	ADV
inlawrev-3950	381	4	concentrated	concentrate	VERB
inlawrev-3950	381	5	in	in	ADP
inlawrev-3950	381	6	compact	compact	ADJ
inlawrev-3950	381	7	,	,	PUNCT
inlawrev-3950	381	8	clearly	clearly	ADV
inlawrev-3950	381	9	defined	define	VERB
inlawrev-3950	381	10	geographic	geographic	ADJ
inlawrev-3950	381	11	areas	area	NOUN
inlawrev-3950	381	12	,	,	PUNCT
inlawrev-3950	381	13	these	these	DET
inlawrev-3950	381	14	abandoned	abandon	VERB
inlawrev-3950	381	15	properties	property	NOUN
inlawrev-3950	381	16	become	become	VERB
inlawrev-3950	381	17	centers	center	NOUN
inlawrev-3950	381	18	for	for	ADP
inlawrev-3950	381	19	squatting	squatting	NOUN
inlawrev-3950	381	20	,	,	PUNCT
inlawrev-3950	381	21	drug	drug	NOUN
inlawrev-3950	381	22	use	use	NOUN
inlawrev-3950	381	23	,	,	PUNCT
inlawrev-3950	381	24	drug	drug	NOUN
inlawrev-3950	381	25	distribution	distribution	NOUN
inlawrev-3950	381	26	,	,	PUNCT
inlawrev-3950	381	27	prostitution	prostitution	NOUN
inlawrev-3950	381	28	,	,	PUNCT
inlawrev-3950	381	29	and	and	CCONJ
inlawrev-3950	381	30	other	other	ADJ
inlawrev-3950	381	31	illegal	illegal	ADJ
inlawrev-3950	381	32	activities	activity	NOUN
inlawrev-3950	381	33	.	.	PUNCT
inlawrev-3950	382	1	^^^	^^^	ADP
inlawrev-3950	382	2	the	the	DET
inlawrev-3950	382	3	costs	cost	NOUN
inlawrev-3950	382	4	to	to	ADP
inlawrev-3950	382	5	the	the	DET
inlawrev-3950	382	6	city	city	NOUN
inlawrev-3950	382	7	are	be	AUX
inlawrev-3950	382	8	enormous	enormous	ADJ
inlawrev-3950	382	9	:	:	PUNCT
inlawrev-3950	382	10	increased	increase	VERB
inlawrev-3950	382	11	expenditures	expenditure	NOUN
inlawrev-3950	382	12	to	to	PART
inlawrev-3950	382	13	secure	secure	VERB
inlawrev-3950	382	14	the	the	DET
inlawrev-3950	382	15	newly	newly	ADV
inlawrev-3950	382	16	abandoned	abandon	VERB
inlawrev-3950	382	17	and	and	CCONJ
inlawrev-3950	382	18	vacant	vacant	ADJ
inlawrev-3950	382	19	homes	home	NOUN
inlawrev-3950	382	20	;	;	PUNCT
inlawrev-3950	382	21	increased	increase	VERB
inlawrev-3950	382	22	expenditures	expenditure	NOUN
inlawrev-3950	382	23	for	for	ADP
inlawrev-3950	382	24	police	police	NOUN
inlawrev-3950	382	25	and	and	CCONJ
inlawrev-3950	382	26	fire	fire	NOUN
inlawrev-3950	382	27	protection	protection	NOUN
inlawrev-3950	382	28	;	;	PUNCT
inlawrev-3950	382	29	additional	additional	ADJ
inlawrev-3950	382	30	expenditures	expenditure	NOUN
inlawrev-3950	382	31	to	to	PART
inlawrev-3950	382	32	acquire	acquire	VERB
inlawrev-3950	382	33	and	and	CCONJ
inlawrev-3950	382	34	rehabilitate	rehabilitate	VERB
inlawrev-3950	382	35	vacant	vacant	ADJ
inlawrev-3950	382	36	properties	property	NOUN
inlawrev-3950	382	37	,	,	PUNCT
inlawrev-3950	382	38	where	where	SCONJ
inlawrev-3950	382	39	possible	possible	ADJ
inlawrev-3950	382	40	;	;	PUNCT
inlawrev-3950	382	41	and	and	CCONJ
inlawrev-3950	382	42	new	new	ADJ
inlawrev-3950	382	43	outlays	outlay	NOUN
inlawrev-3950	382	44	of	of	ADP
inlawrev-3950	382	45	tax	tax	NOUN
inlawrev-3950	382	46	dollars	dollar	NOUN
inlawrev-3950	382	47	to	to	PART
inlawrev-3950	382	48	fund	fund	VERB
inlawrev-3950	382	49	social	social	ADJ
inlawrev-3950	382	50	programs	program	NOUN
inlawrev-3950	382	51	to	to	PART
inlawrev-3950	382	52	stabilize	stabilize	VERB
inlawrev-3950	382	53	the	the	DET
inlawrev-3950	382	54	affected	affect	VERB
inlawrev-3950	382	55	neighborhoods	neighborhood	NOUN
inlawrev-3950	382	56	and	and	CCONJ
inlawrev-3950	382	57	deal	deal	VERB
inlawrev-3950	382	58	with	with	ADP
inlawrev-3950	382	59	the	the	DET
inlawrev-3950	382	60	homelessness	homelessness	NOUN
inlawrev-3950	382	61	,	,	PUNCT
inlawrev-3950	382	62	job	job	NOUN
inlawrev-3950	382	63	loss	loss	NOUN
inlawrev-3950	382	64	,	,	PUNCT
inlawrev-3950	382	65	and	and	CCONJ
inlawrev-3950	382	66	educational	educational	ADJ
inlawrev-3950	382	67	needs	need	NOUN
inlawrev-3950	382	68	that	that	PRON
inlawrev-3950	382	69	inevitably	inevitably	ADV
inlawrev-3950	382	70	flow	flow	VERB
inlawrev-3950	382	71	from	from	ADP
inlawrev-3950	382	72	the	the	DET
inlawrev-3950	382	73	displacement	displacement	NOUN
inlawrev-3950	382	74	and	and	CCONJ
inlawrev-3950	382	75	relocation	relocation	NOUN
inlawrev-3950	382	76	of	of	ADP
inlawrev-3950	382	77	residents	resident	NOUN
inlawrev-3950	382	78	who	who	PRON
inlawrev-3950	382	79	have	have	AUX
inlawrev-3950	382	80	lost	lose	VERB
inlawrev-3950	382	81	their	their	PRON
inlawrev-3950	382	82	primary	primary	NOUN
inlawrev-3950	382	83	(	(	PUNCT
inlawrev-3950	382	84	and	and	CCONJ
inlawrev-3950	382	85	often	often	ADV
inlawrev-3950	382	86	only	only	ADV
inlawrev-3950	382	87	)	)	PUNCT
inlawrev-3950	382	88	investment	investment	NOUN
inlawrev-3950	382	89	.	.	PUNCT
inlawrev-3950	383	1	^^	^^	PUNCT
inlawrev-3950	384	1	°	°	ADP
inlawrev-3950	384	2	foreclosures	foreclosure	NOUN
inlawrev-3950	384	3	result	result	VERB
inlawrev-3950	384	4	in	in	ADP
inlawrev-3950	384	5	two	two	NUM
inlawrev-3950	384	6	other	other	ADJ
inlawrev-3950	384	7	forms	form	NOUN
inlawrev-3950	384	8	of	of	ADP
inlawrev-3950	384	9	financial	financial	ADJ
inlawrev-3950	384	10	damage	damage	NOUN
inlawrev-3950	384	11	to	to	ADP
inlawrev-3950	384	12	the	the	DET
inlawrev-3950	384	13	city	city	NOUN
inlawrev-3950	384	14	as	as	ADV
inlawrev-3950	384	15	well	well	ADV
inlawrev-3950	384	16	.	.	PUNCT
inlawrev-3950	385	1	first	first	ADV
inlawrev-3950	385	2	,	,	PUNCT
inlawrev-3950	385	3	abandoned	abandon	VERB
inlawrev-3950	385	4	and	and	CCONJ
inlawrev-3950	385	5	vacant	vacant	ADJ
inlawrev-3950	385	6	properties	property	NOUN
inlawrev-3950	385	7	in	in	ADP
inlawrev-3950	385	8	a	a	DET
inlawrev-3950	385	9	neighborhood	neighborhood	NOUN
inlawrev-3950	385	10	produce	produce	VERB
inlawrev-3950	385	11	a	a	DET
inlawrev-3950	385	12	clearly	clearly	ADV
inlawrev-3950	385	13	identifiable	identifiable	ADJ
inlawrev-3950	385	14	decline	decline	NOUN
inlawrev-3950	385	15	in	in	ADP
inlawrev-3950	385	16	the	the	DET
inlawrev-3950	385	17	value	value	NOUN
inlawrev-3950	385	18	of	of	ADP
inlawrev-3950	385	19	nearby	nearby	ADJ
inlawrev-3950	385	20	homes	home	NOUN
inlawrev-3950	385	21	,	,	PUNCT
inlawrev-3950	385	22	resulting	result	VERB
inlawrev-3950	385	23	in	in	ADP
inlawrev-3950	385	24	a	a	DET
inlawrev-3950	385	25	significant	significant	ADJ
inlawrev-3950	385	26	decrease	decrease	NOUN
inlawrev-3950	385	27	in	in	ADP
inlawrev-3950	385	28	property	property	NOUN
inlawrev-3950	385	29	tax	tax	NOUN
inlawrev-3950	385	30	revenue	revenue	NOUN
inlawrev-3950	385	31	.	.	PUNCT
inlawrev-3950	386	1	cities	city	NOUN
inlawrev-3950	386	2	also	also	ADV
inlawrev-3950	386	3	lose	lose	VERB
inlawrev-3950	386	4	revenue	revenue	NOUN
inlawrev-3950	386	5	from	from	ADP
inlawrev-3950	386	6	real	real	ADJ
inlawrev-3950	386	7	estate	estate	NOUN
inlawrev-3950	386	8	transfer	transfer	NOUN
inlawrev-3950	386	9	taxes	taxis	NOUN
inlawrev-3950	386	10	because	because	SCONJ
inlawrev-3950	386	11	foreclosures	foreclosure	NOUN
inlawrev-3950	386	12	depress	depress	VERB
inlawrev-3950	386	13	the	the	DET
inlawrev-3950	386	14	market	market	NOUN
inlawrev-3950	386	15	for	for	ADP
inlawrev-3950	386	16	home	home	NOUN
inlawrev-3950	386	17	sales	sale	NOUN
inlawrev-3950	386	18	.	.	PUNCT
inlawrev-3950	387	1	second	second	ADJ
inlawrev-3950	387	2	,	,	PUNCT
inlawrev-3950	387	3	there	there	PRON
inlawrev-3950	387	4	are	be	VERB
inlawrev-3950	387	5	large	large	ADJ
inlawrev-3950	387	6	costs	cost	NOUN
inlawrev-3950	387	7	to	to	ADP
inlawrev-3950	387	8	a	a	DET
inlawrev-3950	387	9	city	city	NOUN
inlawrev-3950	387	10	associated	associate	VERB
inlawrev-3950	387	11	with	with	ADP
inlawrev-3950	387	12	the	the	DET
inlawrev-3950	387	13	processing	processing	NOUN
inlawrev-3950	387	14	of	of	ADP
inlawrev-3950	387	15	foreclosed	foreclose	VERB
inlawrev-3950	387	16	properties	property	NOUN
inlawrev-3950	387	17	through	through	ADP
inlawrev-3950	387	18	the	the	DET
inlawrev-3950	387	19	city	city	NOUN
inlawrev-3950	387	20	or	or	CCONJ
inlawrev-3950	387	21	county	county	NOUN
inlawrev-3950	387	22	legal	legal	ADJ
inlawrev-3950	387	23	or	or	CCONJ
inlawrev-3950	387	24	administrative	administrative	ADJ
inlawrev-3950	387	25	system	system	NOUN
inlawrev-3950	387	26	.	.	PUNCT
inlawrev-3950	388	1	most	most	ADJ
inlawrev-3950	388	2	,	,	PUNCT
inlawrev-3950	388	3	if	if	SCONJ
inlawrev-3950	388	4	not	not	PART
inlawrev-3950	388	5	all	all	PRON
inlawrev-3950	388	6	,	,	PUNCT
inlawrev-3950	388	7	of	of	ADP
inlawrev-3950	388	8	these	these	DET
inlawrev-3950	388	9	costs	cost	NOUN
inlawrev-3950	388	10	are	be	AUX
inlawrev-3950	388	11	fully	fully	ADV
inlawrev-3950	388	12	capable	capable	ADJ
inlawrev-3950	388	13	of	of	ADP
inlawrev-3950	388	14	empirical	empirical	ADJ
inlawrev-3950	388	15	quantification	quantification	NOUN
inlawrev-3950	388	16	.	.	PUNCT
inlawrev-3950	389	1	recent	recent	ADJ
inlawrev-3950	389	2	studies	study	NOUN
inlawrev-3950	389	3	have	have	AUX
inlawrev-3950	389	4	pioneered	pioneer	VERB
inlawrev-3950	389	5	new	new	ADJ
inlawrev-3950	389	6	methodologies	methodology	NOUN
inlawrev-3950	389	7	for	for	ADP
inlawrev-3950	389	8	calculating	calculate	VERB
inlawrev-3950	389	9	these	these	DET
inlawrev-3950	389	10	damages	damage	NOUN
inlawrev-3950	389	11	.	.	PUNCT
inlawrev-3950	390	1	a	a	DET
inlawrev-3950	390	2	study	study	NOUN
inlawrev-3950	390	3	published	publish	VERB
inlawrev-3950	390	4	by	by	ADP
inlawrev-3950	390	5	the	the	DET
inlawrev-3950	390	6	fannie	fannie	PROPN
inlawrev-3950	390	7	mae	mae	PROPN
inlawrev-3950	390	8	foundation	foundation	PROPN
inlawrev-3950	390	9	,	,	PUNCT
inlawrev-3950	390	10	using	use	VERB
inlawrev-3950	390	11	chicago	chicago	PROPN
inlawrev-3950	390	12	as	as	ADP
inlawrev-3950	390	13	an	an	DET
inlawrev-3950	390	14	example	example	NOUN
inlawrev-3950	390	15	,	,	PUNCT
inlawrev-3950	390	16	determined	determine	VERB
inlawrev-3950	390	17	that	that	SCONJ
inlawrev-3950	390	18	each	each	DET
inlawrev-3950	390	19	foreclosure	foreclosure	NOUN
inlawrev-3950	390	20	is	be	AUX
inlawrev-3950	390	21	responsible	responsible	ADJ
inlawrev-3950	390	22	for	for	ADP
inlawrev-3950	390	23	an	an	DET
inlawrev-3950	390	24	average	average	ADJ
inlawrev-3950	390	25	decline	decline	NOUN
inlawrev-3950	390	26	of	of	ADP
inlawrev-3950	390	27	approximately	approximately	ADV
inlawrev-3950	390	28	1	1	NUM
inlawrev-3950	390	29	%	%	NOUN
inlawrev-3950	390	30	in	in	ADP
inlawrev-3950	390	31	the	the	DET
inlawrev-3950	390	32	value	value	NOUN
inlawrev-3950	390	33	of	of	ADP
inlawrev-3950	390	34	each	each	DET
inlawrev-3950	390	35	single	single	ADJ
inlawrev-3950	390	36	-	-	PUNCT
inlawrev-3950	390	37	family	family	NOUN
inlawrev-3950	390	38	home	home	NOUN
inlawrev-3950	390	39	within	within	ADP
inlawrev-3950	390	40	an	an	DET
inlawrev-3950	390	41	eighth	eighth	ADJ
inlawrev-3950	390	42	of	of	ADP
inlawrev-3950	390	43	a	a	DET
inlawrev-3950	390	44	mile.^	mile.^	NOUN
inlawrev-3950	390	45	^	^	PUNCT
inlawrev-3950	390	46	^	^	PUNCT
inlawrev-3950	390	47	a	a	DET
inlawrev-3950	390	48	second	second	ADJ
inlawrev-3950	390	49	study	study	NOUN
inlawrev-3950	390	50	in	in	ADP
inlawrev-3950	390	51	philadelphia	philadelphia	PROPN
inlawrev-3950	390	52	found	find	VERB
inlawrev-3950	390	53	that	that	SCONJ
inlawrev-3950	390	54	each	each	DET
inlawrev-3950	390	55	home	home	NOUN
inlawrev-3950	390	56	within	within	ADP
inlawrev-3950	390	57	150	150	NUM
inlawrev-3950	390	58	feet	foot	NOUN
inlawrev-3950	390	59	of	of	ADP
inlawrev-3950	390	60	an	an	DET
inlawrev-3950	390	61	abandoned	abandon	VERB
inlawrev-3950	390	62	home	home	NOUN
inlawrev-3950	390	63	declined	decline	VERB
inlawrev-3950	390	64	in	in	ADP
inlawrev-3950	390	65	value	value	NOUN
inlawrev-3950	390	66	by	by	ADP
inlawrev-3950	390	67	an	an	DET
inlawrev-3950	390	68	average	average	NOUN
inlawrev-3950	390	69	of	of	ADP
inlawrev-3950	390	70	$	$	SYM
inlawrev-3950	390	71	7627	7627	NUM
inlawrev-3950	390	72	;	;	PUNCT
inlawrev-3950	390	73	homes	home	NOUN
inlawrev-3950	390	74	within	within	ADP
inlawrev-3950	390	75	150	150	NUM
inlawrev-3950	390	76	to	to	PART
inlawrev-3950	390	77	299	299	NUM
inlawrev-3950	390	78	feet	foot	NOUN
inlawrev-3950	390	79	declined	decline	VERB
inlawrev-3950	390	80	in	in	ADP
inlawrev-3950	390	81	value	value	NOUN
inlawrev-3950	390	82	by	by	ADP
inlawrev-3950	390	83	$	$	SYM
inlawrev-3950	390	84	6810	6810	NUM
inlawrev-3950	390	85	;	;	PUNCT
inlawrev-3950	390	86	and	and	CCONJ
inlawrev-3950	390	87	homes	home	NOUN
inlawrev-3950	390	88	within	within	ADP
inlawrev-3950	390	89	300	300	NUM
inlawrev-3950	390	90	to	to	PART
inlawrev-3950	390	91	449	449	NUM
inlawrev-3950	390	92	feet	foot	NOUN
inlawrev-3950	390	93	107	107	NUM
inlawrev-3950	390	94	.	.	PUNCT
inlawrev-3950	391	1	see	see	VERB
inlawrev-3950	391	2	,	,	PUNCT
inlawrev-3950	391	3	e.g	e.g	PROPN
inlawrev-3950	391	4	..	..	PUNCT
inlawrev-3950	391	5	state	state	PROPN
inlawrev-3950	391	6	farm	farm	PROPN
inlawrev-3950	391	7	mut	mut	PROPN
inlawrev-3950	391	8	.	.	PUNCT
inlawrev-3950	392	1	auto	auto	PROPN
inlawrev-3950	392	2	.	.	PUNCT
inlawrev-3950	393	1	ins	ins	PROPN
inlawrev-3950	393	2	.	.	PUNCT
inlawrev-3950	393	3	co.	co.	PROPN
inlawrev-3950	393	4	v.	v.	PROPN
inlawrev-3950	393	5	campbell	campbell	PROPN
inlawrev-3950	393	6	,	,	PUNCT
inlawrev-3950	393	7	538	538	NUM
inlawrev-3950	393	8	u.s	u.s	PROPN
inlawrev-3950	393	9	.	.	PROPN
inlawrev-3950	393	10	408	408	NUM
inlawrev-3950	393	11	,	,	PUNCT
inlawrev-3950	393	12	416	416	NUM
inlawrev-3950	393	13	-	-	SYM
inlawrev-3950	393	14	29	29	NUM
inlawrev-3950	393	15	(	(	PUNCT
inlawrev-3950	393	16	2003	2003	NUM
inlawrev-3950	393	17	)	)	PUNCT
inlawrev-3950	393	18	;	;	PUNCT
inlawrev-3950	393	19	bmw	bmw	PROPN
inlawrev-3950	393	20	of	of	ADP
inlawrev-3950	393	21	n.	n.	PROPN
inlawrev-3950	393	22	am	am	PROPN
inlawrev-3950	393	23	.	.	PROPN
inlawrev-3950	393	24	,	,	PUNCT
inlawrev-3950	393	25	inc	inc	PROPN
inlawrev-3950	393	26	.	.	PROPN
inlawrev-3950	394	1	v.	v.	ADP
inlawrev-3950	394	2	gore	gore	PROPN
inlawrev-3950	394	3	,	,	PUNCT
inlawrev-3950	394	4	517	517	NUM
inlawrev-3950	394	5	u.s	u.s	PROPN
inlawrev-3950	394	6	.	.	PROPN
inlawrev-3950	394	7	559	559	NUM
inlawrev-3950	394	8	,	,	PUNCT
inlawrev-3950	394	9	574	574	NUM
inlawrev-3950	394	10	-	-	SYM
inlawrev-3950	394	11	86	86	NUM
inlawrev-3950	394	12	(	(	PUNCT
inlawrev-3950	394	13	1996	1996	NUM
inlawrev-3950	394	14	)	)	PUNCT
inlawrev-3950	394	15	.	.	PUNCT
inlawrev-3950	395	1	108	108	NUM
inlawrev-3950	395	2	.	.	PUNCT
inlawrev-3950	396	1	immergluck	immergluck	PROPN
inlawrev-3950	396	2	&	&	CCONJ
inlawrev-3950	396	3	smith	smith	PROPN
inlawrev-3950	396	4	,	,	PUNCT
inlawrev-3950	396	5	supra	supra	PROPN
inlawrev-3950	396	6	note	note	PROPN
inlawrev-3950	396	7	22	22	NUM
inlawrev-3950	396	8	,	,	PUNCT
inlawrev-3950	396	9	at	at	ADP
inlawrev-3950	396	10	57	57	NUM
inlawrev-3950	396	11	.	.	PUNCT
inlawrev-3950	397	1	109	109	NUM
inlawrev-3950	397	2	.	.	PUNCT
inlawrev-3950	397	3	mat	mat	PROPN
inlawrev-3950	397	4	59	59	NUM
inlawrev-3950	397	5	.	.	NOUN
inlawrev-3950	397	6	1	1	NUM
inlawrev-3950	397	7	10	10	NUM
inlawrev-3950	397	8	.	.	PUNCT
inlawrev-3950	398	1	see	see	VERB
inlawrev-3950	398	2	william	william	PROPN
inlawrev-3950	398	3	c.	c.	PROPN
inlawrev-3950	398	4	apgar	apgar	PROPN
inlawrev-3950	398	5	et	et	PROPN
inlawrev-3950	398	6	al	al	PROPN
inlawrev-3950	398	7	..	..	PROPN
inlawrev-3950	398	8	homeowner	homeowner	NOUN
inlawrev-3950	398	9	preservation	preservation	NOUN
inlawrev-3950	398	10	found	find	VERB
inlawrev-3950	398	11	.	.	PUNCT
inlawrev-3950	399	1	,	,	PUNCT
inlawrev-3950	399	2	the	the	DET
inlawrev-3950	399	3	municipal	municipal	ADJ
inlawrev-3950	399	4	cost	cost	NOUN
inlawrev-3950	399	5	of	of	ADP
inlawrev-3950	399	6	foreclosures	foreclosure	NOUN
inlawrev-3950	399	7	:	:	PUNCT
inlawrev-3950	399	8	a	a	DET
inlawrev-3950	399	9	cracago	cracago	ADJ
inlawrev-3950	399	10	case	case	NOUN
inlawrev-3950	399	11	study	study	VERB
inlawrev-3950	399	12	20	20	NUM
inlawrev-3950	399	13	-	-	SYM
inlawrev-3950	399	14	29	29	NUM
inlawrev-3950	399	15	(	(	PUNCT
inlawrev-3950	399	16	2005	2005	NUM
inlawrev-3950	399	17	)	)	PUNCT
inlawrev-3950	399	18	,	,	PUNCT
inlawrev-3950	399	19	http://www.995hope	http://www.995hope	NOUN
inlawrev-3950	399	20	.	.	PUNCT
inlawrev-3950	400	1	org	org	ADJ
inlawrev-3950	400	2	/	/	SYM
inlawrev-3950	400	3	content	content	NOUN
inlawrev-3950	400	4	/	/	SYM
inlawrev-3950	400	5	pd£^apgar_duda_study_full_version.pdf	pd£^apgar_duda_study_full_version.pdf	PROPN
inlawrev-3950	400	6	;	;	PUNCT
inlawrev-3950	400	7	immergluck	immergluck	PROPN
inlawrev-3950	400	8	&	&	CCONJ
inlawrev-3950	400	9	smith	smith	PROPN
inlawrev-3950	400	10	,	,	PUNCT
inlawrev-3950	400	11	supra	supra	PROPN
inlawrev-3950	400	12	note	note	PROPN
inlawrev-3950	400	13	22	22	NUM
inlawrev-3950	400	14	,	,	PUNCT
inlawrev-3950	400	15	at	at	ADP
inlawrev-3950	400	16	5859	5859	NUM
inlawrev-3950	400	17	.	.	PUNCT
inlawrev-3950	401	1	hi	hi	INTJ
inlawrev-3950	401	2	.	.	PROPN
inlawrev-3950	402	1	see	see	VERB
inlawrev-3950	402	2	immergluck	immergluck	PROPN
inlawrev-3950	402	3	&	&	CCONJ
inlawrev-3950	402	4	smith	smith	PROPN
inlawrev-3950	402	5	,	,	PUNCT
inlawrev-3950	402	6	supra	supra	PROPN
inlawrev-3950	402	7	note	note	PROPN
inlawrev-3950	402	8	22	22	NUM
inlawrev-3950	402	9	,	,	PUNCT
inlawrev-3950	402	10	at	at	ADP
inlawrev-3950	402	11	58	58	NUM
inlawrev-3950	402	12	.	.	PUNCT
inlawrev-3950	403	1	646	646	NUM
inlawrev-3950	403	2	indiana	indiana	PROPN
inlawrev-3950	403	3	law	law	NOUN
inlawrev-3950	403	4	review	review	NOUN
inlawrev-3950	403	5	[	[	X
inlawrev-3950	403	6	vol	vol	NOUN
inlawrev-3950	403	7	.	.	PUNCT
inlawrev-3950	403	8	41	41	NUM
inlawrev-3950	403	9	:	:	SYM
inlawrev-3950	403	10	629	629	NUM
inlawrev-3950	403	11	declined	decline	VERB
inlawrev-3950	403	12	in	in	ADP
inlawrev-3950	403	13	value	value	NOUN
inlawrev-3950	403	14	by	by	ADP
inlawrev-3950	403	15	$	$	SYM
inlawrev-3950	403	16	3542	3542	NUM
inlawrev-3950	403	17	.	.	PUNCT
inlawrev-3950	404	1	^^^	^^^	ADJ
inlawrev-3950	404	2	likewise	likewise	ADV
inlawrev-3950	404	3	,	,	PUNCT
inlawrev-3950	404	4	the	the	DET
inlawrev-3950	404	5	costs	cost	NOUN
inlawrev-3950	404	6	of	of	ADP
inlawrev-3950	404	7	increased	increase	VERB
inlawrev-3950	404	8	municipal	municipal	ADJ
inlawrev-3950	404	9	services	service	NOUN
inlawrev-3950	404	10	that	that	PRON
inlawrev-3950	404	11	are	be	AUX
inlawrev-3950	404	12	necessary	necessary	ADJ
inlawrev-3950	404	13	because	because	SCONJ
inlawrev-3950	404	14	of	of	ADP
inlawrev-3950	404	15	foreclosures	foreclosure	NOUN
inlawrev-3950	404	16	have	have	AUX
inlawrev-3950	404	17	also	also	ADV
inlawrev-3950	404	18	been	be	AUX
inlawrev-3950	404	19	analyzed	analyze	VERB
inlawrev-3950	404	20	empirically	empirically	ADV
inlawrev-3950	404	21	.	.	PUNCT
inlawrev-3950	405	1	a	a	DET
inlawrev-3950	405	2	recent	recent	ADJ
inlawrev-3950	405	3	study	study	NOUN
inlawrev-3950	405	4	commissioned	commission	VERB
inlawrev-3950	405	5	by	by	ADP
inlawrev-3950	405	6	the	the	DET
inlawrev-3950	405	7	homeownership	homeownership	NOUN
inlawrev-3950	405	8	preservation	preservation	NOUN
inlawrev-3950	405	9	foundation	foundation	NOUN
inlawrev-3950	405	10	isolated	isolate	VERB
inlawrev-3950	405	11	twentysix	twentysix	ADJ
inlawrev-3950	405	12	types	type	NOUN
inlawrev-3950	405	13	of	of	ADP
inlawrev-3950	405	14	costs	cost	NOUN
inlawrev-3950	405	15	incurred	incur	VERB
inlawrev-3950	405	16	by	by	ADP
inlawrev-3950	405	17	fifteen	fifteen	NUM
inlawrev-3950	405	18	government	government	NOUN
inlawrev-3950	405	19	agencies	agency	NOUN
inlawrev-3950	405	20	in	in	ADP
inlawrev-3950	405	21	response	response	NOUN
inlawrev-3950	405	22	to	to	ADP
inlawrev-3950	405	23	foreclosures	foreclosure	NOUN
inlawrev-3950	405	24	in	in	ADP
inlawrev-3950	405	25	chicago	chicago	PROPN
inlawrev-3950	405	26	.	.	PUNCT
inlawrev-3950	406	1	^^^	^^^	NOUN
inlawrev-3950	406	2	it	it	PRON
inlawrev-3950	406	3	then	then	ADV
inlawrev-3950	406	4	analyzed	analyze	VERB
inlawrev-3950	406	5	the	the	DET
inlawrev-3950	406	6	amount	amount	NOUN
inlawrev-3950	406	7	of	of	ADP
inlawrev-3950	406	8	each	each	DET
inlawrev-3950	406	9	cost	cost	NOUN
inlawrev-3950	406	10	based	base	VERB
inlawrev-3950	406	11	on	on	ADP
inlawrev-3950	406	12	different	different	ADJ
inlawrev-3950	406	13	foreclosure	foreclosure	NOUN
inlawrev-3950	406	14	scenarios	scenario	NOUN
inlawrev-3950	406	15	,	,	PUNCT
inlawrev-3950	406	16	such	such	ADJ
inlawrev-3950	406	17	as	as	ADP
inlawrev-3950	406	18	whether	whether	SCONJ
inlawrev-3950	406	19	the	the	DET
inlawrev-3950	406	20	home	home	NOUN
inlawrev-3950	406	21	is	be	AUX
inlawrev-3950	406	22	left	leave	VERB
inlawrev-3950	406	23	vacant	vacant	ADJ
inlawrev-3950	406	24	,	,	PUNCT
inlawrev-3950	406	25	whether	whether	SCONJ
inlawrev-3950	406	26	and	and	CCONJ
inlawrev-3950	406	27	to	to	ADP
inlawrev-3950	406	28	what	what	DET
inlawrev-3950	406	29	degree	degree	NOUN
inlawrev-3950	406	30	criminal	criminal	ADJ
inlawrev-3950	406	31	activity	activity	NOUN
inlawrev-3950	406	32	ensues	ensue	NOUN
inlawrev-3950	406	33	,	,	PUNCT
inlawrev-3950	406	34	and	and	CCONJ
inlawrev-3950	406	35	whether	whether	SCONJ
inlawrev-3950	406	36	the	the	DET
inlawrev-3950	406	37	home	home	NOUN
inlawrev-3950	406	38	must	must	AUX
inlawrev-3950	406	39	be	be	AUX
inlawrev-3950	406	40	demolished	demolish	VERB
inlawrev-3950	406	41	.	.	PUNCT
inlawrev-3950	406	42	^^"^	^^"^	VERB
inlawrev-3950	406	43	the	the	DET
inlawrev-3950	406	44	study	study	NOUN
inlawrev-3950	406	45	found	find	VERB
inlawrev-3950	406	46	that	that	SCONJ
inlawrev-3950	406	47	the	the	DET
inlawrev-3950	406	48	total	total	ADJ
inlawrev-3950	406	49	costs	cost	NOUN
inlawrev-3950	406	50	ran	run	VERB
inlawrev-3950	406	51	as	as	ADV
inlawrev-3950	406	52	high	high	ADJ
inlawrev-3950	406	53	as	as	ADP
inlawrev-3950	406	54	$	$	SYM
inlawrev-3950	406	55	34,199	34,199	NUM
inlawrev-3950	406	56	per	per	ADP
inlawrev-3950	406	57	foreclosure	foreclosure	NOUN
inlawrev-3950	406	58	.	.	PUNCT
inlawrev-3950	407	1	'^^	'^^	X
inlawrev-3950	407	2	the	the	DET
inlawrev-3950	407	3	point	point	NOUN
inlawrev-3950	407	4	to	to	PART
inlawrev-3950	407	5	be	be	AUX
inlawrev-3950	407	6	made	make	VERB
inlawrev-3950	407	7	here	here	ADV
inlawrev-3950	407	8	is	be	AUX
inlawrev-3950	407	9	a	a	DET
inlawrev-3950	407	10	simple	simple	ADJ
inlawrev-3950	407	11	one	one	NUM
inlawrev-3950	407	12	.	.	PUNCT
inlawrev-3950	408	1	for	for	ADP
inlawrev-3950	408	2	litigation	litigation	NOUN
inlawrev-3950	408	3	purposes	purpose	NOUN
inlawrev-3950	408	4	,	,	PUNCT
inlawrev-3950	408	5	the	the	DET
inlawrev-3950	408	6	damages	damage	NOUN
inlawrev-3950	408	7	caused	cause	VERB
inlawrev-3950	408	8	by	by	ADP
inlawrev-3950	408	9	a	a	DET
inlawrev-3950	408	10	company	company	NOUN
inlawrev-3950	408	11	like	like	ADP
inlawrev-3950	408	12	wells	wells	PROPN
inlawrev-3950	408	13	fargo	fargo	PROPN
inlawrev-3950	408	14	'	'	PART
inlawrev-3950	408	15	s	s	NOUN
inlawrev-3950	408	16	reverse	reverse	NOUN
inlawrev-3950	408	17	redlining	redline	VERB
inlawrev-3950	408	18	practices	practice	NOUN
inlawrev-3950	408	19	are	be	AUX
inlawrev-3950	408	20	not	not	PART
inlawrev-3950	408	21	—	—	PUNCT
inlawrev-3950	408	22	as	as	SCONJ
inlawrev-3950	408	23	defense	defense	NOUN
inlawrev-3950	408	24	lawyers	lawyer	NOUN
inlawrev-3950	408	25	routinely	routinely	ADV
inlawrev-3950	408	26	charge	charge	VERB
inlawrev-3950	408	27	—	—	PUNCT
inlawrev-3950	408	28	speculative	speculative	ADJ
inlawrev-3950	408	29	or	or	CCONJ
inlawrev-3950	408	30	hypothetical	hypothetical	ADJ
inlawrev-3950	408	31	.	.	PUNCT
inlawrev-3950	409	1	baltimore	baltimore	PROPN
inlawrev-3950	409	2	has	have	AUX
inlawrev-3950	409	3	alleged	allege	VERB
inlawrev-3950	409	4	that	that	SCONJ
inlawrev-3950	409	5	wells	wells	PROPN
inlawrev-3950	409	6	fargo	fargo	PROPN
inlawrev-3950	409	7	'	'	PART
inlawrev-3950	409	8	s	s	PART
inlawrev-3950	409	9	unlawful	unlawful	ADJ
inlawrev-3950	409	10	targeting	targeting	NOUN
inlawrev-3950	409	11	practices	practice	NOUN
inlawrev-3950	409	12	resulted	result	VERB
inlawrev-3950	409	13	in	in	ADP
inlawrev-3950	409	14	unnecessary	unnecessary	ADJ
inlawrev-3950	409	15	and	and	CCONJ
inlawrev-3950	409	16	avoidable	avoidable	ADJ
inlawrev-3950	409	17	foreclosures	foreclosure	NOUN
inlawrev-3950	409	18	in	in	ADP
inlawrev-3950	409	19	african	african	ADJ
inlawrev-3950	409	20	-	-	PUNCT
inlawrev-3950	409	21	american	american	ADJ
inlawrev-3950	409	22	neighborhoods	neighborhood	NOUN
inlawrev-3950	409	23	.	.	PUNCT
inlawrev-3950	409	24	'	'	PUNCT
inlawrev-3950	410	1	'	'	PUNCT
inlawrev-3950	410	2	^	^	PUNCT
inlawrev-3950	410	3	expert	expert	NOUN
inlawrev-3950	410	4	analyses	analyse	VERB
inlawrev-3950	410	5	similar	similar	ADJ
inlawrev-3950	410	6	to	to	ADP
inlawrev-3950	410	7	the	the	DET
inlawrev-3950	410	8	studies	study	NOUN
inlawrev-3950	410	9	conducted	conduct	VERB
inlawrev-3950	410	10	in	in	ADP
inlawrev-3950	410	11	philadelphia	philadelphia	PROPN
inlawrev-3950	410	12	and	and	CCONJ
inlawrev-3950	410	13	chicago	chicago	PROPN
inlawrev-3950	410	14	are	be	AUX
inlawrev-3950	410	15	capable	capable	ADJ
inlawrev-3950	410	16	of	of	ADP
inlawrev-3950	410	17	showing	show	VERB
inlawrev-3950	410	18	the	the	DET
inlawrev-3950	410	19	precise	precise	ADJ
inlawrev-3950	410	20	dollar	dollar	NOUN
inlawrev-3950	410	21	damage	damage	NOUN
inlawrev-3950	410	22	resulting	result	VERB
inlawrev-3950	410	23	from	from	ADP
inlawrev-3950	410	24	these	these	DET
inlawrev-3950	410	25	discriminatory	discriminatory	ADJ
inlawrev-3950	410	26	practices	practice	NOUN
inlawrev-3950	410	27	by	by	ADP
inlawrev-3950	410	28	focusing	focus	VERB
inlawrev-3950	410	29	on	on	ADP
inlawrev-3950	410	30	the	the	DET
inlawrev-3950	410	31	costs	cost	NOUN
inlawrev-3950	410	32	that	that	PRON
inlawrev-3950	410	33	can	can	AUX
inlawrev-3950	410	34	be	be	AUX
inlawrev-3950	410	35	empirically	empirically	ADV
inlawrev-3950	410	36	tied	tie	VERB
inlawrev-3950	410	37	to	to	ADP
inlawrev-3950	410	38	a	a	DET
inlawrev-3950	410	39	foreclosure	foreclosure	NOUN
inlawrev-3950	410	40	and	and	CCONJ
inlawrev-3950	410	41	then	then	ADV
inlawrev-3950	410	42	multiplying	multiply	VERB
inlawrev-3950	410	43	that	that	SCONJ
inlawrev-3950	410	44	by	by	ADP
inlawrev-3950	410	45	the	the	DET
inlawrev-3950	410	46	number	number	NOUN
inlawrev-3950	410	47	of	of	ADP
inlawrev-3950	410	48	foreclosures	foreclosure	NOUN
inlawrev-3950	410	49	attributable	attributable	ADJ
inlawrev-3950	410	50	to	to	ADP
inlawrev-3950	410	51	a	a	DET
inlawrev-3950	410	52	given	give	VERB
inlawrev-3950	410	53	company	company	NOUN
inlawrev-3950	410	54	,	,	PUNCT
inlawrev-3950	410	55	like	like	ADP
inlawrev-3950	410	56	wells	wells	PROPN
inlawrev-3950	410	57	fargo	fargo	PROPN
inlawrev-3950	410	58	.	.	PUNCT
inlawrev-3950	411	1	in	in	ADP
inlawrev-3950	411	2	terms	term	NOUN
inlawrev-3950	411	3	of	of	ADP
inlawrev-3950	411	4	the	the	DET
inlawrev-3950	411	5	size	size	NOUN
inlawrev-3950	411	6	of	of	ADP
inlawrev-3950	411	7	the	the	DET
inlawrev-3950	411	8	damages	damage	NOUN
inlawrev-3950	411	9	,	,	PUNCT
inlawrev-3950	411	10	the	the	DET
inlawrev-3950	411	11	stakes	stake	NOUN
inlawrev-3950	411	12	for	for	ADP
inlawrev-3950	411	13	offending	offend	VERB
inlawrev-3950	411	14	companies	company	NOUN
inlawrev-3950	411	15	are	be	AUX
inlawrev-3950	411	16	high	high	ADJ
inlawrev-3950	411	17	.	.	PUNCT
inlawrev-3950	412	1	baltimore	baltimore	PROPN
inlawrev-3950	412	2	alleges	allege	VERB
inlawrev-3950	412	3	that	that	SCONJ
inlawrev-3950	412	4	the	the	DET
inlawrev-3950	412	5	damages	damage	NOUN
inlawrev-3950	412	6	and	and	CCONJ
inlawrev-3950	412	7	costs	cost	NOUN
inlawrev-3950	412	8	caused	cause	VERB
inlawrev-3950	412	9	by	by	ADP
inlawrev-3950	412	10	wells	wells	PROPN
inlawrev-3950	412	11	fargo	fargo	PROPN
inlawrev-3950	412	12	'	'	PART
inlawrev-3950	412	13	s	s	PROPN
inlawrev-3950	412	14	discriminatory	discriminatory	ADJ
inlawrev-3950	412	15	lending	lending	NOUN
inlawrev-3950	412	16	practices	practice	NOUN
inlawrev-3950	412	17	"	"	PUNCT
inlawrev-3950	412	18	are	be	AUX
inlawrev-3950	412	19	in	in	ADP
inlawrev-3950	412	20	the	the	DET
inlawrev-3950	412	21	tens	ten	NOUN
inlawrev-3950	412	22	of	of	ADP
inlawrev-3950	412	23	millions	million	NOUN
inlawrev-3950	412	24	of	of	ADP
inlawrev-3950	412	25	dollars	dollar	NOUN
inlawrev-3950	412	26	.	.	PUNCT
inlawrev-3950	413	1	"''^	"''^	PUNCT
inlawrev-3950	414	1	there	there	PRON
inlawrev-3950	414	2	are	be	VERB
inlawrev-3950	414	3	several	several	ADJ
inlawrev-3950	414	4	reasons	reason	NOUN
inlawrev-3950	414	5	for	for	ADP
inlawrev-3950	414	6	this	this	PRON
inlawrev-3950	414	7	.	.	PUNCT
inlawrev-3950	415	1	although	although	SCONJ
inlawrev-3950	415	2	the	the	DET
inlawrev-3950	415	3	statute	statute	NOUN
inlawrev-3950	415	4	of	of	ADP
inlawrev-3950	415	5	limitations	limitation	NOUN
inlawrev-3950	415	6	for	for	ADP
inlawrev-3950	415	7	fha	fha	PROPN
inlawrev-3950	415	8	claims	claim	NOUN
inlawrev-3950	415	9	is	be	AUX
inlawrev-3950	415	10	two	two	NUM
inlawrev-3950	415	11	years	year	NOUN
inlawrev-3950	415	12	,	,	PUNCT
inlawrev-3950	415	13	the	the	DET
inlawrev-3950	415	14	supreme	supreme	PROPN
inlawrev-3950	415	15	court	court	PROPN
inlawrev-3950	415	16	has	have	AUX
inlawrev-3950	415	17	applied	apply	VERB
inlawrev-3950	415	18	a	a	DET
inlawrev-3950	415	19	continuing	continue	VERB
inlawrev-3950	415	20	violations	violation	NOUN
inlawrev-3950	415	21	theory	theory	NOUN
inlawrev-3950	415	22	where	where	SCONJ
inlawrev-3950	415	23	a	a	DET
inlawrev-3950	415	24	pattern	pattern	NOUN
inlawrev-3950	415	25	or	or	CCONJ
inlawrev-3950	415	26	practice	practice	NOUN
inlawrev-3950	415	27	of	of	ADP
inlawrev-3950	415	28	discriminatory	discriminatory	ADJ
inlawrev-3950	415	29	acts	act	NOUN
inlawrev-3950	415	30	extends	extend	VERB
inlawrev-3950	415	31	into	into	ADP
inlawrev-3950	415	32	the	the	DET
inlawrev-3950	415	33	limitations	limitation	NOUN
inlawrev-3950	415	34	period	period	NOUN
inlawrev-3950	415	35	.	.	PUNCT
inlawrev-3950	416	1	''^	''^	PROPN
inlawrev-3950	417	1	this	this	PRON
inlawrev-3950	417	2	means	mean	VERB
inlawrev-3950	417	3	that	that	SCONJ
inlawrev-3950	417	4	a	a	DET
inlawrev-3950	417	5	defendant	defendant	NOUN
inlawrev-3950	417	6	engaged	engage	VERB
inlawrev-3950	417	7	in	in	ADP
inlawrev-3950	417	8	an	an	DET
inlawrev-3950	417	9	ongoing	ongoing	ADJ
inlawrev-3950	417	10	pattern	pattern	NOUN
inlawrev-3950	417	11	of	of	ADP
inlawrev-3950	417	12	illegal	illegal	ADJ
inlawrev-3950	417	13	conduct	conduct	NOUN
inlawrev-3950	417	14	will	will	AUX
inlawrev-3950	417	15	be	be	AUX
inlawrev-3950	417	16	held	hold	VERB
inlawrev-3950	417	17	liable	liable	ADJ
inlawrev-3950	417	18	for	for	ADP
inlawrev-3950	417	19	discriminatory	discriminatory	ADJ
inlawrev-3950	417	20	acts	act	NOUN
inlawrev-3950	417	21	extending	extend	VERB
inlawrev-3950	417	22	as	as	ADV
inlawrev-3950	417	23	far	far	ADV
inlawrev-3950	417	24	back	back	ADV
inlawrev-3950	417	25	in	in	ADP
inlawrev-3950	417	26	time	time	NOUN
inlawrev-3950	417	27	as	as	SCONJ
inlawrev-3950	417	28	the	the	DET
inlawrev-3950	417	29	evidence	evidence	NOUN
inlawrev-3950	417	30	leads	lead	VERB
inlawrev-3950	417	31	.	.	PUNCT
inlawrev-3950	418	1	cities	city	NOUN
inlawrev-3950	418	2	like	like	ADP
inlawrev-3950	418	3	baltimore	baltimore	PROPN
inlawrev-3950	418	4	,	,	PUNCT
inlawrev-3950	418	5	therefore	therefore	ADV
inlawrev-3950	418	6	,	,	PUNCT
inlawrev-3950	418	7	are	be	AUX
inlawrev-3950	418	8	free	free	ADJ
inlawrev-3950	418	9	to	to	PART
inlawrev-3950	418	10	pursue	pursue	VERB
inlawrev-3950	418	11	damages	damage	NOUN
inlawrev-3950	418	12	for	for	ADP
inlawrev-3950	418	13	illegal	illegal	ADJ
inlawrev-3950	418	14	conduct	conduct	NOUN
inlawrev-3950	418	15	that	that	PRON
inlawrev-3950	418	16	has	have	AUX
inlawrev-3950	418	17	resulted	result	VERB
inlawrev-3950	418	18	in	in	ADP
inlawrev-3950	418	19	foreclosures	foreclosure	NOUN
inlawrev-3950	418	20	over	over	ADP
inlawrev-3950	418	21	many	many	ADJ
inlawrev-3950	418	22	years	year	NOUN
inlawrev-3950	418	23	—	—	PUNCT
inlawrev-3950	418	24	in	in	ADP
inlawrev-3950	418	25	many	many	ADJ
inlawrev-3950	418	26	cases	case	NOUN
inlawrev-3950	418	27	going	go	VERB
inlawrev-3950	418	28	back	back	ADV
inlawrev-3950	418	29	to	to	ADP
inlawrev-3950	418	30	the	the	DET
inlawrev-3950	418	31	incipient	incipient	ADJ
inlawrev-3950	418	32	stages	stage	NOUN
inlawrev-3950	418	33	of	of	ADP
inlawrev-3950	418	34	the	the	DET
inlawrev-3950	418	35	subprime	subprime	ADJ
inlawrev-3950	418	36	mortgage	mortgage	NOUN
inlawrev-3950	418	37	market	market	NOUN
inlawrev-3950	418	38	frenzy	frenzy	NOUN
inlawrev-3950	418	39	.	.	PUNCT
inlawrev-3950	419	1	damages	damage	NOUN
inlawrev-3950	419	2	are	be	AUX
inlawrev-3950	419	3	high	high	ADJ
inlawrev-3950	419	4	for	for	ADP
inlawrev-3950	419	5	a	a	DET
inlawrev-3950	419	6	second	second	ADJ
inlawrev-3950	419	7	reason	reason	NOUN
inlawrev-3950	419	8	as	as	ADV
inlawrev-3950	419	9	well	well	ADV
inlawrev-3950	419	10	,	,	PUNCT
inlawrev-3950	419	11	but	but	CCONJ
inlawrev-3950	419	12	not	not	PART
inlawrev-3950	419	13	one	one	NUM
inlawrev-3950	419	14	necessarily	necessarily	ADV
inlawrev-3950	419	15	related	relate	VERB
inlawrev-3950	419	16	to	to	ADP
inlawrev-3950	419	17	the	the	DET
inlawrev-3950	419	18	absolute	absolute	ADJ
inlawrev-3950	419	19	number	number	NOUN
inlawrev-3950	419	20	of	of	ADP
inlawrev-3950	419	21	foreclosures	foreclosure	NOUN
inlawrev-3950	419	22	.	.	PUNCT
inlawrev-3950	420	1	in	in	ADP
inlawrev-3950	420	2	many	many	ADJ
inlawrev-3950	420	3	cities	city	NOUN
inlawrev-3950	420	4	the	the	DET
inlawrev-3950	420	5	foreclosures	foreclosure	NOUN
inlawrev-3950	420	6	caused	cause	VERB
inlawrev-3950	420	7	112	112	NUM
inlawrev-3950	420	8	.	.	PUNCT
inlawrev-3950	421	1	anne	anne	PROPN
inlawrev-3950	421	2	b.	b.	PROPN
inlawrev-3950	421	3	shlay	shlay	PROPN
inlawrev-3950	421	4	&	&	CCONJ
inlawrev-3950	421	5	gordon	gordon	PROPN
inlawrev-3950	421	6	whitman	whitman	PROPN
inlawrev-3950	421	7	,	,	PUNCT
inlawrev-3950	421	8	research	research	NOUN
inlawrev-3950	421	9	for	for	ADP
inlawrev-3950	421	10	democracy	democracy	NOUN
inlawrev-3950	421	11	:	:	PUNCT
inlawrev-3950	421	12	linking	link	VERB
inlawrev-3950	421	13	community	community	NOUN
inlawrev-3950	421	14	organizing	organizing	NOUN
inlawrev-3950	421	15	and	and	CCONJ
inlawrev-3950	421	16	research	research	NOUN
inlawrev-3950	421	17	to	to	ADP
inlawrev-3950	421	18	leverage	leverage	NOUN
inlawrev-3950	421	19	bught	bught	VERB
inlawrev-3950	421	20	poucy	poucy	PROPN
inlawrev-3950	421	21	20	20	NUM
inlawrev-3950	421	22	(	(	PUNCT
inlawrev-3950	421	23	2004	2004	NUM
inlawrev-3950	421	24	)	)	PUNCT
inlawrev-3950	421	25	,	,	PUNCT
inlawrev-3950	421	26	http://commorg.wisc.edu/paper2004/shlay/shlay.htm	http://commorg.wisc.edu/paper2004/shlay/shlay.htm	PROPN
inlawrev-3950	421	27	.	.	PROPN
inlawrev-3950	421	28	113	113	NUM
inlawrev-3950	421	29	.	.	PUNCT
inlawrev-3950	422	1	apgar	apgar	PROPN
inlawrev-3950	422	2	et	et	PROPN
inlawrev-3950	422	3	al	al	PROPN
inlawrev-3950	422	4	.	.	PROPN
inlawrev-3950	422	5	,	,	PUNCT
inlawrev-3950	422	6	supra	supra	PROPN
inlawrev-3950	422	7	note	note	VERB
inlawrev-3950	422	8	1	1	NUM
inlawrev-3950	422	9	10	10	NUM
inlawrev-3950	422	10	,	,	PUNCT
inlawrev-3950	422	11	at	at	ADP
inlawrev-3950	422	12	1	1	NUM
inlawrev-3950	422	13	.	.	X
inlawrev-3950	422	14	114	114	NUM
inlawrev-3950	422	15	.	.	PUNCT
inlawrev-3950	423	1	see	see	VERB
inlawrev-3950	423	2	i	i	PRON
inlawrev-3950	423	3	d.	d.	PROPN
inlawrev-3950	423	4	at	at	ADP
inlawrev-3950	423	5	23	23	NUM
inlawrev-3950	423	6	-	-	SYM
inlawrev-3950	423	7	27	27	NUM
inlawrev-3950	423	8	.	.	PUNCT
inlawrev-3950	424	1	115	115	NUM
inlawrev-3950	424	2	.	.	PUNCT
inlawrev-3950	425	1	/j	/j	INTJ
inlawrev-3950	425	2	.	.	PUNCT
inlawrev-3950	426	1	at	at	ADP
inlawrev-3950	426	2	28	28	NUM
inlawrev-3950	426	3	.	.	PUNCT
inlawrev-3950	426	4	116	116	NUM
inlawrev-3950	426	5	.	.	PUNCT
inlawrev-3950	426	6	bait	bait	NOUN
inlawrev-3950	426	7	.	.	PUNCT
inlawrev-3950	427	1	complaint	complaint	NOUN
inlawrev-3950	427	2	,	,	PUNCT
inlawrev-3950	427	3	supra	supra	PROPN
inlawrev-3950	427	4	note	note	PROPN
inlawrev-3950	427	5	10	10	NUM
inlawrev-3950	427	6	,	,	PUNCT
inlawrev-3950	427	7	1	1	NUM
inlawrev-3950	427	8	64	64	NUM
inlawrev-3950	427	9	.	.	PUNCT
inlawrev-3950	428	1	117	117	NUM
inlawrev-3950	428	2	.	.	PUNCT
inlawrev-3950	428	3	idflo	idflo	PROPN
inlawrev-3950	428	4	.	.	PROPN
inlawrev-3950	429	1	1	1	NUM
inlawrev-3950	429	2	18	18	NUM
inlawrev-3950	429	3	.	.	PUNCT
inlawrev-3950	430	1	see	see	VERB
inlawrev-3950	430	2	havens	havens	PROPN
inlawrev-3950	430	3	realty	realty	PROPN
inlawrev-3950	430	4	corp	corp	PROPN
inlawrev-3950	430	5	.	.	PROPN
inlawrev-3950	431	1	v.	v.	PROPN
inlawrev-3950	431	2	coleman	coleman	PROPN
inlawrev-3950	431	3	,	,	PUNCT
inlawrev-3950	431	4	455	455	PROPN
inlawrev-3950	431	5	u.s	u.s	PROPN
inlawrev-3950	431	6	.	.	PROPN
inlawrev-3950	431	7	363	363	NUM
inlawrev-3950	431	8	,	,	PUNCT
inlawrev-3950	431	9	380	380	NUM
inlawrev-3950	431	10	(	(	PUNCT
inlawrev-3950	431	11	1982	1982	NUM
inlawrev-3950	431	12	)	)	PUNCT
inlawrev-3950	431	13	;	;	PUNCT
inlawrev-3950	431	14	see	see	VERB
inlawrev-3950	431	15	also	also	ADV
inlawrev-3950	431	16	,	,	PUNCT
inlawrev-3950	431	17	e.g	e.g	PROPN
inlawrev-3950	431	18	..	..	PUNCT
inlawrev-3950	431	19	silver	silver	ADJ
inlawrev-3950	431	20	state	state	NOUN
inlawrev-3950	431	21	fair	fair	ADJ
inlawrev-3950	431	22	hous	hous	ADJ
inlawrev-3950	431	23	.	.	PUNCT
inlawrev-3950	432	1	council	council	PROPN
inlawrev-3950	432	2	,	,	PUNCT
inlawrev-3950	432	3	inc	inc	PROPN
inlawrev-3950	432	4	.	.	PROPN
inlawrev-3950	432	5	v.	v.	PROPN
inlawrev-3950	432	6	ergs	ergs	PROPN
inlawrev-3950	432	7	,	,	PUNCT
inlawrev-3950	432	8	inc	inc	PROPN
inlawrev-3950	432	9	.	.	PROPN
inlawrev-3950	432	10	,	,	PUNCT
inlawrev-3950	432	11	362	362	NUM
inlawrev-3950	432	12	f.	f.	PROPN
inlawrev-3950	432	13	supp	supp	PROPN
inlawrev-3950	432	14	.	.	PUNCT
inlawrev-3950	433	1	2d	2d	PROPN
inlawrev-3950	433	2	1218	1218	NUM
inlawrev-3950	433	3	,	,	PUNCT
inlawrev-3950	433	4	1221	1221	NUM
inlawrev-3950	433	5	-	-	SYM
inlawrev-3950	433	6	22	22	NUM
inlawrev-3950	433	7	(	(	PUNCT
inlawrev-3950	433	8	d.	d.	PROPN
inlawrev-3950	433	9	nev	nev	PROPN
inlawrev-3950	433	10	.	.	PROPN
inlawrev-3950	433	11	2005	2005	NUM
inlawrev-3950	433	12	)	)	PUNCT
inlawrev-3950	433	13	(	(	PUNCT
inlawrev-3950	433	14	applying	apply	VERB
inlawrev-3950	433	15	continuing	continue	VERB
inlawrev-3950	433	16	violation	violation	NOUN
inlawrev-3950	433	17	doctrine	doctrine	NOUN
inlawrev-3950	433	18	to	to	PART
inlawrev-3950	433	19	design	design	VERB
inlawrev-3950	433	20	and	and	CCONJ
inlawrev-3950	433	21	construction	construction	NOUN
inlawrev-3950	433	22	of	of	ADP
inlawrev-3950	433	23	multiple	multiple	ADJ
inlawrev-3950	433	24	apartment	apartment	NOUN
inlawrev-3950	433	25	buildings	building	NOUN
inlawrev-3950	433	26	in	in	ADP
inlawrev-3950	433	27	violation	violation	NOUN
inlawrev-3950	433	28	of	of	ADP
inlawrev-3950	433	29	fha	fha	PROPN
inlawrev-3950	433	30	'	'	PART
inlawrev-3950	433	31	s	s	PROPN
inlawrev-3950	433	32	accessibility	accessibility	NOUN
inlawrev-3950	433	33	requirements	requirement	NOUN
inlawrev-3950	433	34	for	for	ADP
inlawrev-3950	433	35	people	people	NOUN
inlawrev-3950	433	36	with	with	ADP
inlawrev-3950	433	37	disabilities	disability	NOUN
inlawrev-3950	433	38	)	)	PUNCT
inlawrev-3950	433	39	.	.	PUNCT
inlawrev-3950	434	1	2008	2008	NUM
inlawrev-3950	434	2	]	]	PUNCT
inlawrev-3950	434	3	future	future	NOUN
inlawrev-3950	434	4	of	of	ADP
inlawrev-3950	434	5	the	the	DET
inlawrev-3950	434	6	fair	fair	ADJ
inlawrev-3950	434	7	housing	housing	PROPN
inlawrev-3950	434	8	act	act	NOUN
inlawrev-3950	434	9	647	647	NUM
inlawrev-3950	434	10	by	by	ADP
inlawrev-3950	434	11	reverse	reverse	ADJ
inlawrev-3950	434	12	redlining	redlining	NOUN
inlawrev-3950	434	13	are	be	AUX
inlawrev-3950	434	14	particularly	particularly	ADV
inlawrev-3950	434	15	injurious	injurious	ADJ
inlawrev-3950	434	16	because	because	SCONJ
inlawrev-3950	434	17	they	they	PRON
inlawrev-3950	434	18	are	be	AUX
inlawrev-3950	434	19	concentrated	concentrate	VERB
inlawrev-3950	434	20	in	in	ADP
inlawrev-3950	434	21	distressed	distressed	ADJ
inlawrev-3950	434	22	and	and	CCONJ
inlawrev-3950	434	23	transitional	transitional	ADJ
inlawrev-3950	434	24	neighborhoods	neighborhood	NOUN
inlawrev-3950	434	25	.	.	PUNCT
inlawrev-3950	435	1	these	these	PRON
inlawrev-3950	435	2	are	be	AUX
inlawrev-3950	435	3	frequently	frequently	ADV
inlawrev-3950	435	4	communities	community	NOUN
inlawrev-3950	435	5	with	with	ADP
inlawrev-3950	435	6	high	high	ADJ
inlawrev-3950	435	7	vacancy	vacancy	NOUN
inlawrev-3950	435	8	rates	rate	NOUN
inlawrev-3950	435	9	,	,	PUNCT
inlawrev-3950	435	10	low	low	ADJ
inlawrev-3950	435	11	rates	rate	NOUN
inlawrev-3950	435	12	of	of	ADP
inlawrev-3950	435	13	owner	owner	NOUN
inlawrev-3950	435	14	occupancy	occupancy	NOUN
inlawrev-3950	435	15	,	,	PUNCT
inlawrev-3950	435	16	substantial	substantial	ADJ
inlawrev-3950	435	17	housing	housing	NOUN
inlawrev-3950	435	18	code	code	NOUN
inlawrev-3950	435	19	violations	violation	NOUN
inlawrev-3950	435	20	,	,	PUNCT
inlawrev-3950	435	21	and	and	CCONJ
inlawrev-3950	435	22	low	low	ADJ
inlawrev-3950	435	23	property	property	NOUN
inlawrev-3950	435	24	values	value	NOUN
inlawrev-3950	435	25	.	.	PUNCT
inlawrev-3950	436	1	these	these	DET
inlawrev-3950	436	2	characteristics	characteristic	NOUN
inlawrev-3950	436	3	make	make	VERB
inlawrev-3950	436	4	transitional	transitional	ADJ
inlawrev-3950	436	5	neighborhoods	neighborhood	NOUN
inlawrev-3950	436	6	most	most	ADV
inlawrev-3950	436	7	vulnerable	vulnerable	ADJ
inlawrev-3950	436	8	to	to	ADP
inlawrev-3950	436	9	the	the	DET
inlawrev-3950	436	10	deleterious	deleterious	ADJ
inlawrev-3950	436	11	effects	effect	NOUN
inlawrev-3950	436	12	of	of	ADP
inlawrev-3950	436	13	foreclosures	foreclosure	NOUN
inlawrev-3950	436	14	.	.	PUNCT
inlawrev-3950	437	1	the	the	DET
inlawrev-3950	437	2	supreme	supreme	PROPN
inlawrev-3950	437	3	court	court	PROPN
inlawrev-3950	437	4	has	have	AUX
inlawrev-3950	437	5	often	often	ADV
inlawrev-3950	437	6	held	hold	VERB
inlawrev-3950	437	7	that	that	SCONJ
inlawrev-3950	437	8	the	the	DET
inlawrev-3950	437	9	fha	fha	PROPN
inlawrev-3950	437	10	"	"	PUNCT
inlawrev-3950	437	11	sounds	sound	VERB
inlawrev-3950	437	12	basically	basically	ADV
inlawrev-3950	437	13	in	in	ADP
inlawrev-3950	437	14	tort	tort	NOUN
inlawrev-3950	437	15	.	.	PUNCT
inlawrev-3950	438	1	"^	"^	PART
inlawrev-3950	438	2	'	'	PUNCT
inlawrev-3950	438	3	^	^	PUNCT
inlawrev-3950	438	4	as	as	ADP
inlawrev-3950	438	5	with	with	ADP
inlawrev-3950	438	6	a	a	DET
inlawrev-3950	438	7	personal	personal	ADJ
inlawrev-3950	438	8	injury	injury	NOUN
inlawrev-3950	438	9	cause	cause	NOUN
inlawrev-3950	438	10	of	of	ADP
inlawrev-3950	438	11	action	action	NOUN
inlawrev-3950	438	12	,	,	PUNCT
inlawrev-3950	438	13	defendants	defendant	NOUN
inlawrev-3950	438	14	must	must	AUX
inlawrev-3950	438	15	take	take	VERB
inlawrev-3950	438	16	their	their	PRON
inlawrev-3950	438	17	plaintiffs	plaintiff	NOUN
inlawrev-3950	438	18	as	as	SCONJ
inlawrev-3950	438	19	they	they	PRON
inlawrev-3950	438	20	find	find	VERB
inlawrev-3950	438	21	them	they	PRON
inlawrev-3950	438	22	,	,	PUNCT
inlawrev-3950	438	23	even	even	ADV
inlawrev-3950	438	24	if	if	SCONJ
inlawrev-3950	438	25	the	the	DET
inlawrev-3950	438	26	consequent	consequent	ADJ
inlawrev-3950	438	27	injury	injury	NOUN
inlawrev-3950	438	28	is	be	AUX
inlawrev-3950	438	29	worse	bad	ADJ
inlawrev-3950	438	30	as	as	ADP
inlawrev-3950	438	31	a	a	DET
inlawrev-3950	438	32	result	result	NOUN
inlawrev-3950	438	33	of	of	ADP
inlawrev-3950	438	34	a	a	DET
inlawrev-3950	438	35	preexisting	preexist	VERB
inlawrev-3950	438	36	condition	condition	NOUN
inlawrev-3950	438	37	.	.	PUNCT
inlawrev-3950	439	1	'	'	PUNCT
inlawrev-3950	439	2	^^	^^	PUNCT
inlawrev-3950	439	3	such	such	ADJ
inlawrev-3950	439	4	is	be	AUX
inlawrev-3950	439	5	the	the	DET
inlawrev-3950	439	6	case	case	NOUN
inlawrev-3950	439	7	here	here	ADV
inlawrev-3950	439	8	.	.	PUNCT
inlawrev-3950	440	1	if	if	SCONJ
inlawrev-3950	440	2	minority	minority	NOUN
inlawrev-3950	440	3	neighborhoods	neighborhood	NOUN
inlawrev-3950	440	4	are	be	AUX
inlawrev-3950	440	5	particularly	particularly	ADV
inlawrev-3950	440	6	vulnerable	vulnerable	ADJ
inlawrev-3950	440	7	to	to	ADP
inlawrev-3950	440	8	a	a	DET
inlawrev-3950	440	9	company	company	NOUN
inlawrev-3950	440	10	's	's	PART
inlawrev-3950	440	11	predatory	predatory	ADJ
inlawrev-3950	440	12	practices	practice	NOUN
inlawrev-3950	440	13	,	,	PUNCT
inlawrev-3950	440	14	with	with	ADP
inlawrev-3950	440	15	the	the	DET
inlawrev-3950	440	16	resulting	result	VERB
inlawrev-3950	440	17	injury	injury	NOUN
inlawrev-3950	440	18	to	to	ADP
inlawrev-3950	440	19	the	the	DET
inlawrev-3950	440	20	city	city	NOUN
inlawrev-3950	440	21	being	be	AUX
inlawrev-3950	440	22	greater	great	ADJ
inlawrev-3950	440	23	as	as	ADP
inlawrev-3950	440	24	a	a	DET
inlawrev-3950	440	25	function	function	NOUN
inlawrev-3950	440	26	of	of	ADP
inlawrev-3950	440	27	increased	increase	VERB
inlawrev-3950	440	28	programmatic	programmatic	ADJ
inlawrev-3950	440	29	costs	cost	NOUN
inlawrev-3950	440	30	required	require	VERB
inlawrev-3950	440	31	to	to	PART
inlawrev-3950	440	32	stabilize	stabilize	VERB
inlawrev-3950	440	33	these	these	DET
inlawrev-3950	440	34	transitional	transitional	ADJ
inlawrev-3950	440	35	neighborhoods	neighborhood	NOUN
inlawrev-3950	440	36	,	,	PUNCT
inlawrev-3950	440	37	the	the	DET
inlawrev-3950	440	38	defendant	defendant	NOUN
inlawrev-3950	440	39	remains	remain	VERB
inlawrev-3950	440	40	liable	liable	ADJ
inlawrev-3950	440	41	for	for	ADP
inlawrev-3950	440	42	damages	damage	NOUN
inlawrev-3950	440	43	regardless	regardless	ADV
inlawrev-3950	440	44	of	of	ADP
inlawrev-3950	440	45	size	size	NOUN
inlawrev-3950	440	46	or	or	CCONJ
inlawrev-3950	440	47	extent	extent	NOUN
inlawrev-3950	440	48	.	.	PUNCT
inlawrev-3950	441	1	suffice	suffice	VERB
inlawrev-3950	441	2	it	it	PRON
inlawrev-3950	441	3	to	to	PART
inlawrev-3950	441	4	say	say	VERB
inlawrev-3950	441	5	that	that	SCONJ
inlawrev-3950	441	6	the	the	DET
inlawrev-3950	441	7	potential	potential	ADJ
inlawrev-3950	441	8	scope	scope	NOUN
inlawrev-3950	441	9	of	of	ADP
inlawrev-3950	441	10	damages	damage	NOUN
inlawrev-3950	441	11	in	in	ADP
inlawrev-3950	441	12	municipal	municipal	ADJ
inlawrev-3950	441	13	foreclosure	foreclosure	NOUN
inlawrev-3950	441	14	cases	case	NOUN
inlawrev-3950	441	15	brought	bring	VERB
inlawrev-3950	441	16	under	under	ADP
inlawrev-3950	441	17	the	the	DET
inlawrev-3950	441	18	fha	fha	PROPN
inlawrev-3950	441	19	is	be	AUX
inlawrev-3950	441	20	both	both	CCONJ
inlawrev-3950	441	21	large	large	ADJ
inlawrev-3950	441	22	and	and	CCONJ
inlawrev-3950	441	23	provable	provable	ADJ
inlawrev-3950	441	24	.	.	PUNCT
inlawrev-3950	442	1	the	the	DET
inlawrev-3950	442	2	act	act	NOUN
inlawrev-3950	442	3	's	's	PART
inlawrev-3950	442	4	generous	generous	ADJ
inlawrev-3950	442	5	standing	standing	NOUN
inlawrev-3950	442	6	and	and	CCONJ
inlawrev-3950	442	7	statute	statute	NOUN
inlawrev-3950	442	8	of	of	ADP
inlawrev-3950	442	9	limitations	limitation	NOUN
inlawrev-3950	442	10	provisions	provision	NOUN
inlawrev-3950	442	11	,	,	PUNCT
inlawrev-3950	442	12	and	and	CCONJ
inlawrev-3950	442	13	the	the	DET
inlawrev-3950	442	14	manner	manner	NOUN
inlawrev-3950	442	15	in	in	ADP
inlawrev-3950	442	16	which	which	PRON
inlawrev-3950	442	17	they	they	PRON
inlawrev-3950	442	18	have	have	AUX
inlawrev-3950	442	19	been	be	AUX
inlawrev-3950	442	20	interpreted	interpret	VERB
inlawrev-3950	442	21	by	by	ADP
inlawrev-3950	442	22	the	the	DET
inlawrev-3950	442	23	supreme	supreme	PROPN
inlawrev-3950	442	24	court	court	PROPN
inlawrev-3950	442	25	—	—	PUNCT
inlawrev-3950	442	26	coupled	couple	VERB
inlawrev-3950	442	27	with	with	ADP
inlawrev-3950	442	28	the	the	DET
inlawrev-3950	442	29	methodological	methodological	ADJ
inlawrev-3950	442	30	advances	advance	NOUN
inlawrev-3950	442	31	for	for	ADP
inlawrev-3950	442	32	proving	prove	VERB
inlawrev-3950	442	33	damages	damage	NOUN
inlawrev-3950	442	34	highlighted	highlight	VERB
inlawrev-3950	442	35	in	in	ADP
inlawrev-3950	442	36	recent	recent	ADJ
inlawrev-3950	442	37	studies	study	NOUN
inlawrev-3950	442	38	—	—	PUNCT
inlawrev-3950	442	39	means	mean	VERB
inlawrev-3950	442	40	that	that	SCONJ
inlawrev-3950	442	41	this	this	DET
inlawrev-3950	442	42	law	law	NOUN
inlawrev-3950	442	43	is	be	AUX
inlawrev-3950	442	44	capable	capable	ADJ
inlawrev-3950	442	45	ofproviding	ofprovide	VERB
inlawrev-3950	442	46	cities	city	NOUN
inlawrev-3950	442	47	with	with	ADP
inlawrev-3950	442	48	a	a	DET
inlawrev-3950	442	49	powerful	powerful	ADJ
inlawrev-3950	442	50	remedy	remedy	NOUN
inlawrev-3950	442	51	for	for	ADP
inlawrev-3950	442	52	the	the	DET
inlawrev-3950	442	53	destructive	destructive	ADJ
inlawrev-3950	442	54	practices	practice	NOUN
inlawrev-3950	442	55	that	that	PRON
inlawrev-3950	442	56	have	have	AUX
inlawrev-3950	442	57	so	so	ADV
inlawrev-3950	442	58	badly	badly	ADV
inlawrev-3950	442	59	hurt	hurt	VERB
inlawrev-3950	442	60	minority	minority	NOUN
inlawrev-3950	442	61	neighborhoods	neighborhood	NOUN
inlawrev-3950	442	62	.	.	PUNCT
inlawrev-3950	443	1	the	the	DET
inlawrev-3950	443	2	extent	extent	NOUN
inlawrev-3950	443	3	to	to	PART
inlawrev-3950	443	4	which	which	PRON
inlawrev-3950	443	5	these	these	DET
inlawrev-3950	443	6	remedies	remedy	NOUN
inlawrev-3950	443	7	will	will	AUX
inlawrev-3950	443	8	also	also	ADV
inlawrev-3950	443	9	be	be	AUX
inlawrev-3950	443	10	able	able	ADJ
inlawrev-3950	443	11	to	to	PART
inlawrev-3950	443	12	address	address	VERB
inlawrev-3950	443	13	the	the	DET
inlawrev-3950	443	14	goal	goal	NOUN
inlawrev-3950	443	15	of	of	ADP
inlawrev-3950	443	16	promoting	promote	VERB
inlawrev-3950	443	17	integrated	integrated	ADJ
inlawrev-3950	443	18	living	living	NOUN
inlawrev-3950	443	19	patterns	pattern	NOUN
inlawrev-3950	443	20	is	be	AUX
inlawrev-3950	443	21	a	a	DET
inlawrev-3950	443	22	more	more	ADV
inlawrev-3950	443	23	complicated	complicated	ADJ
inlawrev-3950	443	24	question	question	NOUN
inlawrev-3950	443	25	,	,	PUNCT
inlawrev-3950	443	26	but	but	CCONJ
inlawrev-3950	443	27	one	one	NUM
inlawrev-3950	443	28	of	of	ADP
inlawrev-3950	443	29	vital	vital	ADJ
inlawrev-3950	443	30	importance	importance	NOUN
inlawrev-3950	443	31	for	for	ADP
inlawrev-3950	443	32	the	the	DET
inlawrev-3950	443	33	future	future	NOUN
inlawrev-3950	443	34	of	of	ADP
inlawrev-3950	443	35	the	the	DET
inlawrev-3950	443	36	fha	fha	PROPN
inlawrev-3950	443	37	.	.	PUNCT
inlawrev-3950	444	1	it	it	PRON
inlawrev-3950	444	2	is	be	AUX
inlawrev-3950	444	3	to	to	ADP
inlawrev-3950	444	4	this	this	DET
inlawrev-3950	444	5	question	question	NOUN
inlawrev-3950	444	6	that	that	SCONJ
inlawrev-3950	444	7	the	the	DET
inlawrev-3950	444	8	discussion	discussion	NOUN
inlawrev-3950	444	9	now	now	ADV
inlawrev-3950	444	10	turns	turn	VERB
inlawrev-3950	444	11	.	.	PUNCT
inlawrev-3950	445	1	rv	rv	X
inlawrev-3950	445	2	.	.	PUNCT
inlawrev-3950	445	3	foreclosures	foreclosure	NOUN
inlawrev-3950	445	4	and	and	CCONJ
inlawrev-3950	445	5	integration	integration	NOUN
inlawrev-3950	445	6	:	:	PUNCT
inlawrev-3950	445	7	the	the	DET
inlawrev-3950	445	8	fight	fight	NOUN
inlawrev-3950	445	9	to	to	PART
inlawrev-3950	445	10	save	save	VERB
inlawrev-3950	445	11	a	a	DET
inlawrev-3950	445	12	noble	noble	ADJ
inlawrev-3950	445	13	goal	goal	NOUN
inlawrev-3950	445	14	a.	a.	NOUN
inlawrev-3950	445	15	integration	integration	NOUN
inlawrev-3950	445	16	and	and	CCONJ
inlawrev-3950	445	17	non	non	ADJ
inlawrev-3950	445	18	-	-	NOUN
inlawrev-3950	445	19	discrimination	discrimination	ADJ
inlawrev-3950	445	20	two	two	NUM
inlawrev-3950	445	21	broad	broad	ADJ
inlawrev-3950	445	22	remedial	remedial	ADJ
inlawrev-3950	445	23	objectives	objective	NOUN
inlawrev-3950	445	24	underlie	underlie	VERB
inlawrev-3950	445	25	the	the	DET
inlawrev-3950	445	26	fha	fha	PROPN
inlawrev-3950	445	27	:	:	PUNCT
inlawrev-3950	445	28	non	non	ADJ
inlawrev-3950	445	29	-	-	NOUN
inlawrev-3950	445	30	discrimination	discrimination	NOUN
inlawrev-3950	445	31	and	and	CCONJ
inlawrev-3950	445	32	integration	integration	NOUN
inlawrev-3950	445	33	.	.	PUNCT
inlawrev-3950	446	1	evidence	evidence	NOUN
inlawrev-3950	446	2	of	of	ADP
inlawrev-3950	446	3	these	these	DET
inlawrev-3950	446	4	twin	twin	ADJ
inlawrev-3950	446	5	goals	goal	NOUN
inlawrev-3950	446	6	can	can	AUX
inlawrev-3950	446	7	be	be	AUX
inlawrev-3950	446	8	found	find	VERB
inlawrev-3950	446	9	throughout	throughout	ADP
inlawrev-3950	446	10	the	the	DET
inlawrev-3950	446	11	statute	statute	NOUN
inlawrev-3950	446	12	itself	itself	PRON
inlawrev-3950	446	13	,	,	PUNCT
inlawrev-3950	446	14	the	the	DET
inlawrev-3950	446	15	legislative	legislative	ADJ
inlawrev-3950	446	16	history	history	NOUN
inlawrev-3950	446	17	of	of	ADP
inlawrev-3950	446	18	the	the	DET
inlawrev-3950	446	19	1968	1968	NUM
inlawrev-3950	446	20	act	act	NOUN
inlawrev-3950	446	21	,	,	PUNCT
inlawrev-3950	446	22	and	and	CCONJ
inlawrev-3950	446	23	in	in	ADP
inlawrev-3950	446	24	supreme	supreme	PROPN
inlawrev-3950	446	25	court	court	PROPN
inlawrev-3950	446	26	decisions	decision	NOUN
inlawrev-3950	446	27	interpreting	interpret	VERB
inlawrev-3950	446	28	the	the	DET
inlawrev-3950	446	29	law	law	NOUN
inlawrev-3950	446	30	.	.	PUNCT
inlawrev-3950	447	1	the	the	DET
inlawrev-3950	447	2	act	act	PROPN
inlawrev-3950	447	3	's	's	PART
inlawrev-3950	447	4	preface	preface	NOUN
inlawrev-3950	447	5	declares	declare	VERB
inlawrev-3950	447	6	in	in	ADP
inlawrev-3950	447	7	sweeping	sweeping	ADJ
inlawrev-3950	447	8	language	language	NOUN
inlawrev-3950	447	9	that	that	SCONJ
inlawrev-3950	447	10	"	"	PUNCT
inlawrev-3950	447	11	[	[	X
inlawrev-3950	447	12	i]t	i]t	X
inlawrev-3950	447	13	is	be	AUX
inlawrev-3950	447	14	the	the	DET
inlawrev-3950	447	15	policy	policy	NOUN
inlawrev-3950	447	16	of	of	ADP
inlawrev-3950	447	17	the	the	DET
inlawrev-3950	447	18	united	united	PROPN
inlawrev-3950	447	19	states	states	PROPN
inlawrev-3950	447	20	to	to	PART
inlawrev-3950	447	21	provide	provide	VERB
inlawrev-3950	447	22	,	,	PUNCT
inlawrev-3950	447	23	within	within	ADP
inlawrev-3950	447	24	constitutional	constitutional	ADJ
inlawrev-3950	447	25	limitations	limitation	NOUN
inlawrev-3950	447	26	,	,	PUNCT
inlawrev-3950	447	27	for	for	ADP
inlawrev-3950	447	28	fair	fair	ADJ
inlawrev-3950	447	29	housing	housing	NOUN
inlawrev-3950	447	30	throughout	throughout	ADP
inlawrev-3950	447	31	the	the	DET
inlawrev-3950	447	32	united	united	PROPN
inlawrev-3950	447	33	states	states	PROPN
inlawrev-3950	447	34	.	.	PUNCT
inlawrev-3950	448	1	"'^	"'^	PUNCT
inlawrev-3950	448	2	'	'	PUNCT
inlawrev-3950	448	3	the	the	DET
inlawrev-3950	448	4	supreme	supreme	PROPN
inlawrev-3950	448	5	court	court	PROPN
inlawrev-3950	448	6	has	have	AUX
inlawrev-3950	448	7	interpreted	interpret	VERB
inlawrev-3950	448	8	this	this	DET
inlawrev-3950	448	9	language	language	NOUN
inlawrev-3950	448	10	to	to	PART
inlawrev-3950	448	11	make	make	VERB
inlawrev-3950	448	12	clear	clear	ADJ
inlawrev-3950	448	13	"	"	PUNCT
inlawrev-3950	448	14	the	the	DET
inlawrev-3950	448	15	broad	broad	ADJ
inlawrev-3950	448	16	remedial	remedial	ADJ
inlawrev-3950	448	17	intent	intent	NOUN
inlawrev-3950	448	18	of	of	ADP
inlawrev-3950	448	19	congress	congress	PROPN
inlawrev-3950	448	20	embodied	embody	VERB
inlawrev-3950	448	21	in	in	ADP
inlawrev-3950	448	22	the	the	DET
inlawrev-3950	448	23	act,"^^^	act,"^^^	PROPN
inlawrev-3950	448	24	which	which	PRON
inlawrev-3950	448	25	in	in	ADP
inlawrev-3950	448	26	turn	turn	NOUN
inlawrev-3950	448	27	reflects	reflect	VERB
inlawrev-3950	448	28	"	"	PUNCT
inlawrev-3950	448	29	a	a	DET
inlawrev-3950	448	30	strong	strong	ADJ
inlawrev-3950	448	31	national	national	ADJ
inlawrev-3950	448	32	commitment	commitment	NOUN
inlawrev-3950	448	33	to	to	ADP
inlawrev-3950	448	34	promot[ing	promot[e	VERB
inlawrev-3950	448	35	]	]	PUNCT
inlawrev-3950	448	36	integrated	integrated	ADJ
inlawrev-3950	448	37	housing	housing	NOUN
inlawrev-3950	448	38	.	.	PUNCT
inlawrev-3950	448	39	"	"	PUNCT
inlawrev-3950	449	1	^^^	^^^	ADP
inlawrev-3950	449	2	these	these	DET
inlawrev-3950	449	3	purposes	purpose	NOUN
inlawrev-3950	449	4	are	be	AUX
inlawrev-3950	449	5	also	also	ADV
inlawrev-3950	449	6	reflected	reflect	VERB
inlawrev-3950	449	7	in	in	ADP
inlawrev-3950	449	8	the	the	DET
inlawrev-3950	449	9	broad	broad	ADJ
inlawrev-3950	449	10	range	range	NOUN
inlawrev-3950	449	11	of	of	ADP
inlawrev-3950	449	12	119	119	NUM
inlawrev-3950	449	13	.	.	PUNCT
inlawrev-3950	450	1	curtis	curtis	PROPN
inlawrev-3950	450	2	v.loether	v.loether	ADV
inlawrev-3950	450	3	,	,	PUNCT
inlawrev-3950	450	4	415	415	NUM
inlawrev-3950	450	5	u.s	u.s	PROPN
inlawrev-3950	450	6	.	.	PROPN
inlawrev-3950	450	7	189	189	NUM
inlawrev-3950	450	8	,	,	PUNCT
inlawrev-3950	450	9	195(1974),5^^a/5omeyerv.holley,537u.s.280,285	195(1974),5^^a/5omeyerv.holley,537u.s.280,285	NUM
inlawrev-3950	450	10	(	(	PUNCT
inlawrev-3950	450	11	2003	2003	NUM
inlawrev-3950	450	12	)	)	PUNCT
inlawrev-3950	450	13	.	.	PUNCT
inlawrev-3950	451	1	120	120	NUM
inlawrev-3950	451	2	.	.	X
inlawrev-3950	451	3	see	see	VERB
inlawrev-3950	451	4	,	,	PUNCT
inlawrev-3950	451	5	e.g.	e.g.	ADV
inlawrev-3950	451	6	,	,	PUNCT
inlawrev-3950	451	7	richman	richman	PROPN
inlawrev-3950	451	8	v.	v.	PROPN
inlawrev-3950	451	9	sheahan	sheahan	PROPN
inlawrev-3950	451	10	,	,	PUNCT
inlawrev-3950	451	11	512	512	NUM
inlawrev-3950	451	12	f.3d	f.3d	NUM
inlawrev-3950	451	13	876	876	NUM
inlawrev-3950	451	14	,	,	PUNCT
inlawrev-3950	451	15	884	884	NUM
inlawrev-3950	451	16	(	(	PUNCT
inlawrev-3950	451	17	7th	7th	ADJ
inlawrev-3950	451	18	cir	cir	NOUN
inlawrev-3950	451	19	.	.	PROPN
inlawrev-3950	451	20	2008	2008	NUM
inlawrev-3950	451	21	)	)	PUNCT
inlawrev-3950	451	22	.	.	PUNCT
inlawrev-3950	452	1	121	121	NUM
inlawrev-3950	452	2	.	.	X
inlawrev-3950	453	1	42	42	NUM
inlawrev-3950	453	2	u.s.c	u.s.c	ADJ
inlawrev-3950	453	3	.	.	PUNCT
inlawrev-3950	454	1	§	§	PROPN
inlawrev-3950	454	2	3601	3601	NUM
inlawrev-3950	454	3	(	(	PUNCT
inlawrev-3950	454	4	2000	2000	NUM
inlawrev-3950	454	5	)	)	PUNCT
inlawrev-3950	454	6	.	.	PUNCT
inlawrev-3950	455	1	122	122	NUM
inlawrev-3950	455	2	.	.	PUNCT
inlawrev-3950	456	1	havens	havens	PROPN
inlawrev-3950	456	2	realty	realty	PROPN
inlawrev-3950	456	3	corp	corp	PROPN
inlawrev-3950	456	4	.	.	PROPN
inlawrev-3950	456	5	,	,	PUNCT
inlawrev-3950	456	6	455	455	NUM
inlawrev-3950	456	7	u.s	u.s	PROPN
inlawrev-3950	456	8	.	.	PROPN
inlawrev-3950	456	9	at	at	ADP
inlawrev-3950	456	10	380	380	NUM
inlawrev-3950	456	11	.	.	PUNCT
inlawrev-3950	457	1	123	123	NUM
inlawrev-3950	457	2	.	.	PUNCT
inlawrev-3950	458	1	linmark	linmark	PROPN
inlawrev-3950	458	2	assocs	assocs	PROPN
inlawrev-3950	458	3	.	.	PROPN
inlawrev-3950	458	4	,	,	PUNCT
inlawrev-3950	458	5	inc	inc	PROPN
inlawrev-3950	458	6	.	.	PROPN
inlawrev-3950	459	1	v.	v.	PROPN
inlawrev-3950	459	2	twp	twp	PROPN
inlawrev-3950	459	3	.	.	PUNCT
inlawrev-3950	459	4	ofwillingboro	ofwillingboro	PROPN
inlawrev-3950	459	5	,	,	PUNCT
inlawrev-3950	460	1	431	431	NUM
inlawrev-3950	460	2	u.s	u.s	AUX
inlawrev-3950	460	3	.	.	PROPN
inlawrev-3950	460	4	85	85	NUM
inlawrev-3950	460	5	,	,	PUNCT
inlawrev-3950	460	6	95	95	NUM
inlawrev-3950	460	7	(	(	PUNCT
inlawrev-3950	460	8	1977	1977	NUM
inlawrev-3950	460	9	)	)	PUNCT
inlawrev-3950	460	10	(	(	PUNCT
inlawrev-3950	460	11	citing	cite	VERB
inlawrev-3950	460	12	trafficante	trafficante	NOUN
inlawrev-3950	460	13	648	648	NUM
inlawrev-3950	460	14	indiana	indiana	PROPN
inlawrev-3950	460	15	law	law	PROPN
inlawrev-3950	460	16	review	review	NOUN
inlawrev-3950	460	17	[	[	X
inlawrev-3950	460	18	vol	vol	NOUN
inlawrev-3950	460	19	.	.	PUNCT
inlawrev-3950	461	1	41	41	NUM
inlawrev-3950	461	2	:	:	PUNCT
inlawrev-3950	461	3	629	629	NUM
inlawrev-3950	461	4	discriminatory	discriminatory	ADJ
inlawrev-3950	461	5	practices	practice	NOUN
inlawrev-3950	461	6	that	that	PRON
inlawrev-3950	461	7	the	the	DET
inlawrev-3950	461	8	fha	fha	PROPN
inlawrev-3950	461	9	outlaws	outlaws	PROPN
inlawrev-3950	461	10	,	,	PUNCT
inlawrev-3950	461	11	^^"^	^^"^	NOUN
inlawrev-3950	461	12	and	and	CCONJ
inlawrev-3950	461	13	in	in	ADP
inlawrev-3950	461	14	the	the	DET
inlawrev-3950	461	15	virtually	virtually	ADV
inlawrev-3950	461	16	unanimous	unanimous	ADJ
inlawrev-3950	461	17	agreement	agreement	NOUN
inlawrev-3950	461	18	among	among	ADP
inlawrev-3950	461	19	the	the	DET
inlawrev-3950	461	20	circuit	circuit	NOUN
inlawrev-3950	461	21	courts	court	NOUN
inlawrev-3950	461	22	of	of	ADP
inlawrev-3950	461	23	appeal	appeal	NOUN
inlawrev-3950	461	24	that	that	SCONJ
inlawrev-3950	461	25	the	the	DET
inlawrev-3950	461	26	act	act	NOUN
inlawrev-3950	461	27	,	,	PUNCT
inlawrev-3950	461	28	like	like	ADP
inlawrev-3950	461	29	title	title	NOUN
inlawrev-3950	461	30	vn	vn	NOUN
inlawrev-3950	461	31	,	,	PUNCT
inlawrev-3950	461	32	includes	include	VERB
inlawrev-3950	461	33	a	a	DET
inlawrev-3950	461	34	disparate	disparate	ADJ
inlawrev-3950	461	35	impact	impact	NOUN
inlawrev-3950	461	36	cause	cause	NOUN
inlawrev-3950	461	37	of	of	ADP
inlawrev-3950	461	38	action	action	NOUN
inlawrev-3950	461	39	.	.	PUNCT
inlawrev-3950	461	40	'	'	PUNCT
inlawrev-3950	461	41	^^	^^	PUNCT
inlawrev-3950	461	42	for	for	ADP
inlawrev-3950	461	43	the	the	DET
inlawrev-3950	461	44	most	most	ADJ
inlawrev-3950	461	45	part	part	NOUN
inlawrev-3950	461	46	these	these	DET
inlawrev-3950	461	47	goals	goal	NOUN
inlawrev-3950	461	48	were	be	AUX
inlawrev-3950	461	49	viewed	view	VERB
inlawrev-3950	461	50	by	by	ADP
inlawrev-3950	461	51	the	the	DET
inlawrev-3950	461	52	fha	fha	PROPN
inlawrev-3950	461	53	's	's	PART
inlawrev-3950	461	54	legislative	legislative	ADJ
inlawrev-3950	461	55	sponsors	sponsor	NOUN
inlawrev-3950	461	56	as	as	ADP
inlawrev-3950	461	57	complementary	complementary	ADJ
inlawrev-3950	461	58	.	.	PUNCT
inlawrev-3950	462	1	congress	congress	PROPN
inlawrev-3950	462	2	adopted	adopt	VERB
inlawrev-3950	462	3	the	the	DET
inlawrev-3950	462	4	act	act	NOUN
inlawrev-3950	462	5	in	in	ADP
inlawrev-3950	462	6	the	the	DET
inlawrev-3950	462	7	wake	wake	NOUN
inlawrev-3950	462	8	of	of	ADP
inlawrev-3950	462	9	the	the	DET
inlawrev-3950	462	10	highly	highly	ADV
inlawrev-3950	462	11	publicized	publicize	VERB
inlawrev-3950	462	12	report	report	NOUN
inlawrev-3950	462	13	by	by	ADP
inlawrev-3950	462	14	the	the	DET
inlawrev-3950	462	15	national	national	PROPN
inlawrev-3950	462	16	advisory	advisory	PROPN
inlawrev-3950	462	17	commission	commission	NOUN
inlawrev-3950	462	18	on	on	ADP
inlawrev-3950	462	19	civil	civil	ADJ
inlawrev-3950	462	20	disorders	disorder	NOUN
inlawrev-3950	462	21	,	,	PUNCT
inlawrev-3950	462	22	commonly	commonly	ADV
inlawrev-3950	462	23	known	know	VERB
inlawrev-3950	462	24	as	as	ADP
inlawrev-3950	462	25	the	the	DET
inlawrev-3950	462	26	kemer	kemer	PROPN
inlawrev-3950	462	27	report	report	NOUN
inlawrev-3950	462	28	,	,	PUNCT
inlawrev-3950	462	29	which	which	PRON
inlawrev-3950	462	30	had	have	AUX
inlawrev-3950	462	31	warned	warn	VERB
inlawrev-3950	462	32	that	that	SCONJ
inlawrev-3950	462	33	the	the	DET
inlawrev-3950	462	34	"	"	PUNCT
inlawrev-3950	462	35	[	[	X
inlawrev-3950	462	36	n]ation	n]ation	NOUN
inlawrev-3950	462	37	is	be	AUX
inlawrev-3950	462	38	moving	move	VERB
inlawrev-3950	462	39	toward	toward	ADP
inlawrev-3950	462	40	two	two	NUM
inlawrev-3950	462	41	societies	society	NOUN
inlawrev-3950	462	42	,	,	PUNCT
inlawrev-3950	462	43	one	one	NUM
inlawrev-3950	462	44	black	black	NOUN
inlawrev-3950	462	45	,	,	PUNCT
inlawrev-3950	462	46	one	one	NUM
inlawrev-3950	462	47	white	white	ADJ
inlawrev-3950	462	48	—	—	PUNCT
inlawrev-3950	462	49	separate	separate	ADJ
inlawrev-3950	462	50	and	and	CCONJ
inlawrev-3950	462	51	unequal	unequal	ADJ
inlawrev-3950	462	52	.	.	PUNCT
inlawrev-3950	462	53	"^^^	"^^^	PUNCT
inlawrev-3950	462	54	removing	remove	VERB
inlawrev-3950	462	55	barriers	barrier	NOUN
inlawrev-3950	462	56	to	to	ADP
inlawrev-3950	462	57	discrimination	discrimination	NOUN
inlawrev-3950	462	58	(	(	PUNCT
inlawrev-3950	462	59	the	the	DET
inlawrev-3950	462	60	non	non	ADJ
inlawrev-3950	462	61	-	-	ADJ
inlawrev-3950	462	62	discrimination	discrimination	ADJ
inlawrev-3950	462	63	goal	goal	NOUN
inlawrev-3950	462	64	)	)	PUNCT
inlawrev-3950	462	65	,	,	PUNCT
inlawrev-3950	462	66	it	it	PRON
inlawrev-3950	462	67	was	be	AUX
inlawrev-3950	462	68	thought	think	VERB
inlawrev-3950	462	69	,	,	PUNCT
inlawrev-3950	462	70	would	would	AUX
inlawrev-3950	462	71	inevitably	inevitably	ADV
inlawrev-3950	462	72	lead	lead	VERB
inlawrev-3950	462	73	to	to	ADP
inlawrev-3950	462	74	the	the	DET
inlawrev-3950	462	75	eradication	eradication	NOUN
inlawrev-3950	462	76	of	of	ADP
inlawrev-3950	462	77	segregation	segregation	NOUN
inlawrev-3950	462	78	(	(	PUNCT
inlawrev-3950	462	79	the	the	DET
inlawrev-3950	462	80	integration	integration	NOUN
inlawrev-3950	462	81	goal	goal	NOUN
inlawrev-3950	462	82	)	)	PUNCT
inlawrev-3950	462	83	.	.	PUNCT
inlawrev-3950	463	1	thus	thus	ADV
inlawrev-3950	463	2	,	,	PUNCT
inlawrev-3950	463	3	the	the	DET
inlawrev-3950	463	4	act	act	NOUN
inlawrev-3950	463	5	'	'	PART
inlawrev-3950	463	6	s	s	PART
inlawrev-3950	463	7	principal	principal	ADJ
inlawrev-3950	463	8	sponsor	sponsor	NOUN
inlawrev-3950	463	9	.	.	PUNCT
inlawrev-3950	464	1	senator	senator	PROPN
inlawrev-3950	464	2	mondale	mondale	PROPN
inlawrev-3950	464	3	,	,	PUNCT
inlawrev-3950	464	4	explained	explain	VERB
inlawrev-3950	464	5	that	that	SCONJ
inlawrev-3950	464	6	blacks	black	NOUN
inlawrev-3950	464	7	were	be	AUX
inlawrev-3950	464	8	unable	unable	ADJ
inlawrev-3950	464	9	to	to	PART
inlawrev-3950	464	10	move	move	VERB
inlawrev-3950	464	11	to	to	ADP
inlawrev-3950	464	12	white	white	ADJ
inlawrev-3950	464	13	suburbs	suburb	NOUN
inlawrev-3950	464	14	because	because	SCONJ
inlawrev-3950	464	15	of	of	ADP
inlawrev-3950	464	16	the	the	DET
inlawrev-3950	464	17	"	"	PUNCT
inlawrev-3950	464	18	refusal	refusal	NOUN
inlawrev-3950	464	19	by	by	ADP
inlawrev-3950	464	20	suburbs	suburb	NOUN
inlawrev-3950	464	21	and	and	CCONJ
inlawrev-3950	464	22	other	other	ADJ
inlawrev-3950	464	23	communities	community	NOUN
inlawrev-3950	464	24	to	to	PART
inlawrev-3950	464	25	accept	accept	VERB
inlawrev-3950	464	26	low	low	ADJ
inlawrev-3950	464	27	-	-	PUNCT
inlawrev-3950	464	28	income	income	NOUN
inlawrev-3950	464	29	housing	housing	NOUN
inlawrev-3950	464	30	.	.	PUNCT
inlawrev-3950	464	31	...	...	PUNCT
inlawrev-3950	465	1	an	an	DET
inlawrev-3950	465	2	important	important	ADJ
inlawrev-3950	465	3	factor	factor	NOUN
inlawrev-3950	465	4	contributing	contribute	VERB
inlawrev-3950	465	5	to	to	ADP
inlawrev-3950	465	6	exclusion	exclusion	NOUN
inlawrev-3950	465	7	of	of	ADP
inlawrev-3950	465	8	negroes	negro	NOUN
inlawrev-3950	465	9	from	from	ADP
inlawrev-3950	465	10	such	such	ADJ
inlawrev-3950	465	11	areas	area	NOUN
inlawrev-3950	465	12	,	,	PUNCT
inlawrev-3950	465	13	moreover	moreover	ADV
inlawrev-3950	465	14	,	,	PUNCT
inlawrev-3950	465	15	has	have	AUX
inlawrev-3950	465	16	been	be	AUX
inlawrev-3950	465	17	the	the	DET
inlawrev-3950	465	18	policies	policy	NOUN
inlawrev-3950	465	19	and	and	CCONJ
inlawrev-3950	465	20	practices	practice	NOUN
inlawrev-3950	465	21	of	of	ADP
inlawrev-3950	465	22	agencies	agency	NOUN
inlawrev-3950	465	23	of	of	ADP
inlawrev-3950	465	24	government	government	NOUN
inlawrev-3950	465	25	at	at	ADP
inlawrev-3950	465	26	all	all	DET
inlawrev-3950	465	27	levels	level	NOUN
inlawrev-3950	465	28	.	.	PUNCT
inlawrev-3950	465	29	"^^^	"^^^	PUNCT
inlawrev-3950	466	1	similarly	similarly	ADV
inlawrev-3950	466	2	,	,	PUNCT
inlawrev-3950	466	3	senator	senator	PROPN
inlawrev-3950	466	4	brooke	brooke	PROPN
inlawrev-3950	466	5	noted	note	VERB
inlawrev-3950	466	6	that	that	SCONJ
inlawrev-3950	466	7	blacks	black	NOUN
inlawrev-3950	466	8	could	could	AUX
inlawrev-3950	466	9	not	not	PART
inlawrev-3950	466	10	move	move	VERB
inlawrev-3950	466	11	to	to	ADP
inlawrev-3950	466	12	better	well	ADJ
inlawrev-3950	466	13	neighborhoods	neighborhood	NOUN
inlawrev-3950	466	14	because	because	SCONJ
inlawrev-3950	466	15	they	they	PRON
inlawrev-3950	466	16	were	be	AUX
inlawrev-3950	466	17	"	"	PUNCT
inlawrev-3950	466	18	surrounded	surround	VERB
inlawrev-3950	466	19	by	by	ADP
inlawrev-3950	466	20	a	a	DET
inlawrev-3950	466	21	pattern	pattern	NOUN
inlawrev-3950	466	22	ofdiscrimination	ofdiscrimination	NOUN
inlawrev-3950	466	23	based	base	VERB
inlawrev-3950	466	24	on	on	ADP
inlawrev-3950	466	25	individual	individual	ADJ
inlawrev-3950	466	26	prejudice	prejudice	NOUN
inlawrev-3950	466	27	,	,	PUNCT
inlawrev-3950	466	28	often	often	ADV
inlawrev-3950	466	29	institutionalized	institutionalize	VERB
inlawrev-3950	466	30	by	by	ADP
inlawrev-3950	466	31	business	business	NOUN
inlawrev-3950	466	32	and	and	CCONJ
inlawrev-3950	466	33	industry	industry	NOUN
inlawrev-3950	466	34	,	,	PUNCT
inlawrev-3950	466	35	and	and	CCONJ
inlawrev-3950	466	36	government	government	NOUN
inlawrev-3950	466	37	practices	practice	NOUN
inlawrev-3950	466	38	.	.	PUNCT
inlawrev-3950	466	39	"	"	PUNCT
inlawrev-3950	467	1	^^^	^^^	NOUN
inlawrev-3950	467	2	forty	forty	NUM
inlawrev-3950	467	3	years	year	NOUN
inlawrev-3950	467	4	after	after	ADP
inlawrev-3950	467	5	passage	passage	NOUN
inlawrev-3950	467	6	of	of	ADP
inlawrev-3950	467	7	the	the	DET
inlawrev-3950	467	8	fha	fha	PROPN
inlawrev-3950	467	9	,	,	PUNCT
inlawrev-3950	467	10	achieving	achieve	VERB
inlawrev-3950	467	11	the	the	DET
inlawrev-3950	467	12	goal	goal	NOUN
inlawrev-3950	467	13	of	of	ADP
inlawrev-3950	467	14	integration	integration	NOUN
inlawrev-3950	467	15	has	have	AUX
inlawrev-3950	467	16	met	meet	VERB
inlawrev-3950	467	17	with	with	ADP
inlawrev-3950	467	18	mixed	mixed	ADJ
inlawrev-3950	467	19	results	result	NOUN
inlawrev-3950	467	20	.	.	PUNCT
inlawrev-3950	468	1	despite	despite	SCONJ
inlawrev-3950	468	2	countless	countless	ADJ
inlawrev-3950	468	3	successful	successful	ADJ
inlawrev-3950	468	4	litigation	litigation	NOUN
inlawrev-3950	468	5	challenges	challenge	NOUN
inlawrev-3950	468	6	to	to	ADP
inlawrev-3950	468	7	discriminatory	discriminatory	ADJ
inlawrev-3950	468	8	practices	practice	NOUN
inlawrev-3950	468	9	brought	bring	VERB
inlawrev-3950	468	10	by	by	ADP
inlawrev-3950	468	11	both	both	DET
inlawrev-3950	468	12	private	private	ADJ
inlawrev-3950	468	13	parties	party	NOUN
inlawrev-3950	468	14	and	and	CCONJ
inlawrev-3950	468	15	the	the	DET
inlawrev-3950	468	16	government	government	NOUN
inlawrev-3950	468	17	,	,	PUNCT
inlawrev-3950	468	18	studies	study	NOUN
inlawrev-3950	468	19	show	show	VERB
inlawrev-3950	468	20	that	that	SCONJ
inlawrev-3950	468	21	"	"	PUNCT
inlawrev-3950	468	22	achieving	achieve	VERB
inlawrev-3950	468	23	and	and	CCONJ
inlawrev-3950	468	24	sustaining	sustain	VERB
inlawrev-3950	468	25	widespread	widespread	ADJ
inlawrev-3950	468	26	stable	stable	ADJ
inlawrev-3950	468	27	racial	racial	ADJ
inlawrev-3950	468	28	integration	integration	NOUN
inlawrev-3950	468	29	remains	remain	VERB
inlawrev-3950	468	30	an	an	DET
inlawrev-3950	468	31	unmet	unmet	NOUN
inlawrev-3950	468	32	challenge	challenge	NOUN
inlawrev-3950	468	33	.	.	PUNCT
inlawrev-3950	468	34	"	"	PUNCT
inlawrev-3950	469	1	^^^	^^^	ADJ
inlawrev-3950	469	2	this	this	PRON
inlawrev-3950	469	3	is	be	AUX
inlawrev-3950	469	4	not	not	PART
inlawrev-3950	469	5	to	to	PART
inlawrev-3950	469	6	say	say	VERB
inlawrev-3950	469	7	there	there	PRON
inlawrev-3950	469	8	has	have	AUX
inlawrev-3950	469	9	not	not	PART
inlawrev-3950	469	10	been	be	AUX
inlawrev-3950	469	11	progress	progress	NOUN
inlawrev-3950	469	12	;	;	PUNCT
inlawrev-3950	469	13	indeed	indeed	ADV
inlawrev-3950	469	14	,	,	PUNCT
inlawrev-3950	469	15	some	some	DET
inlawrev-3950	469	16	empirical	empirical	ADJ
inlawrev-3950	469	17	evidence	evidence	NOUN
inlawrev-3950	469	18	supports	support	VERB
inlawrev-3950	469	19	the	the	DET
inlawrev-3950	469	20	conclusion	conclusion	NOUN
inlawrev-3950	469	21	that	that	SCONJ
inlawrev-3950	469	22	"	"	PUNCT
inlawrev-3950	469	23	more	more	ADJ
inlawrev-3950	469	24	neighborhoods	neighborhood	NOUN
inlawrev-3950	469	25	in	in	ADP
inlawrev-3950	469	26	metropolitan	metropolitan	PROPN
inlawrev-3950	469	27	america	america	PROPN
inlawrev-3950	469	28	are	be	AUX
inlawrev-3950	469	29	shared	share	VERB
inlawrev-3950	469	30	by	by	ADP
inlawrev-3950	469	31	blacks	black	NOUN
inlawrev-3950	469	32	and	and	CCONJ
inlawrev-3950	469	33	whites	white	NOUN
inlawrev-3950	469	34	[	[	X
inlawrev-3950	469	35	as	as	ADP
inlawrev-3950	469	36	of	of	ADP
inlawrev-3950	469	37	2004	2004	NUM
inlawrev-3950	469	38	]	]	PUNCT
inlawrev-3950	469	39	than	than	ADP
inlawrev-3950	469	40	[	[	PUNCT
inlawrev-3950	469	41	in	in	ADP
inlawrev-3950	469	42	prior	prior	ADJ
inlawrev-3950	469	43	decades	decade	NOUN
inlawrev-3950	469	44	]	]	PUNCT
inlawrev-3950	469	45	,	,	PUNCT
inlawrev-3950	469	46	and	and	CCONJ
inlawrev-3950	469	47	many	many	ADJ
inlawrev-3950	469	48	racially	racially	ADV
inlawrev-3950	469	49	integrated	integrate	VERB
inlawrev-3950	469	50	neighborhoods	neighborhood	NOUN
inlawrev-3950	469	51	appear	appear	VERB
inlawrev-3950	469	52	reasonably	reasonably	ADV
inlawrev-3950	469	53	stable	stable	ADJ
inlawrev-3950	469	54	.	.	PUNCT
inlawrev-3950	469	55	"	"	PUNCT
inlawrev-3950	470	1	^^^	^^^	NOUN
inlawrev-3950	470	2	for	for	ADP
inlawrev-3950	470	3	every	every	DET
inlawrev-3950	470	4	study	study	NOUN
inlawrev-3950	470	5	showing	show	VERB
inlawrev-3950	470	6	progress	progress	NOUN
inlawrev-3950	470	7	,	,	PUNCT
inlawrev-3950	470	8	there	there	PRON
inlawrev-3950	470	9	are	be	VERB
inlawrev-3950	470	10	others	other	NOUN
inlawrev-3950	470	11	that	that	PRON
inlawrev-3950	470	12	describe	describe	VERB
inlawrev-3950	470	13	a	a	DET
inlawrev-3950	470	14	continuing	continue	VERB
inlawrev-3950	470	15	pattern	pattern	NOUN
inlawrev-3950	470	16	of	of	ADP
inlawrev-3950	470	17	entrenched	entrench	VERB
inlawrev-3950	470	18	—	—	PUNCT
inlawrev-3950	470	19	and	and	CCONJ
inlawrev-3950	470	20	in	in	ADP
inlawrev-3950	470	21	some	some	DET
inlawrev-3950	470	22	cases	case	NOUN
inlawrev-3950	470	23	,	,	PUNCT
inlawrev-3950	470	24	worsening	worsen	VERB
inlawrev-3950	470	25	—	—	PUNCT
inlawrev-3950	470	26	v.	v.	ADP
inlawrev-3950	470	27	metro	metro	PROPN
inlawrev-3950	470	28	.	.	PUNCT
inlawrev-3950	471	1	life	life	NOUN
inlawrev-3950	471	2	ins	ins	PROPN
inlawrev-3950	471	3	.	.	PUNCT
inlawrev-3950	471	4	co.	co.	PROPN
inlawrev-3950	471	5	,	,	PUNCT
inlawrev-3950	471	6	409	409	NUM
inlawrev-3950	471	7	u.s	u.s	PROPN
inlawrev-3950	471	8	.	.	PROPN
inlawrev-3950	471	9	205	205	NUM
inlawrev-3950	471	10	(	(	PUNCT
inlawrev-3950	471	11	1972	1972	NUM
inlawrev-3950	471	12	)	)	PUNCT
inlawrev-3950	471	13	)	)	PUNCT
inlawrev-3950	471	14	.	.	PUNCT
inlawrev-3950	472	1	124	124	NUM
inlawrev-3950	472	2	.	.	PUNCT
inlawrev-3950	473	1	see	see	PROPN
inlawrev-3950	473	2	jones	jones	PROPN
inlawrev-3950	473	3	v.	v.	PROPN
inlawrev-3950	473	4	alfred	alfred	PROPN
inlawrev-3950	473	5	h.	h.	PROPN
inlawrev-3950	473	6	mayer	mayer	PROPN
inlawrev-3950	473	7	co.	co.	PROPN
inlawrev-3950	473	8	,	,	PUNCT
inlawrev-3950	473	9	392	392	NUM
inlawrev-3950	473	10	u.s	u.s	PROPN
inlawrev-3950	473	11	.	.	PROPN
inlawrev-3950	473	12	409	409	NUM
inlawrev-3950	473	13	,	,	PUNCT
inlawrev-3950	473	14	417	417	NUM
inlawrev-3950	473	15	(	(	PUNCT
inlawrev-3950	473	16	1968	1968	NUM
inlawrev-3950	473	17	)	)	PUNCT
inlawrev-3950	473	18	.	.	PUNCT
inlawrev-3950	474	1	125	125	NUM
inlawrev-3950	474	2	.	.	PUNCT
inlawrev-3950	475	1	see	see	VERB
inlawrev-3950	475	2	,	,	PUNCT
inlawrev-3950	475	3	e.g.	e.g.	ADV
inlawrev-3950	475	4	,	,	PUNCT
inlawrev-3950	475	5	macone	macone	PROPN
inlawrev-3950	475	6	v.	v.	ADP
inlawrev-3950	475	7	town	town	NOUN
inlawrev-3950	475	8	of	of	ADP
inlawrev-3950	475	9	wakefield	wakefield	NOUN
inlawrev-3950	475	10	,	,	PUNCT
inlawrev-3950	475	11	277	277	NUM
inlawrev-3950	475	12	f.3d	f.3d	NUM
inlawrev-3950	475	13	1	1	NUM
inlawrev-3950	475	14	,	,	PUNCT
inlawrev-3950	475	15	5	5	NUM
inlawrev-3950	475	16	,	,	PUNCT
inlawrev-3950	475	17	7	7	NUM
inlawrev-3950	475	18	-	-	SYM
inlawrev-3950	475	19	8	8	NUM
inlawrev-3950	475	20	(	(	PUNCT
inlawrev-3950	475	21	1st	1st	ADJ
inlawrev-3950	475	22	cir	cir	NOUN
inlawrev-3950	475	23	.	.	PUNCT
inlawrev-3950	475	24	2002	2002	NUM
inlawrev-3950	475	25	)	)	PUNCT
inlawrev-3950	475	26	;	;	PUNCT
inlawrev-3950	475	27	bangerter	bangerter	PROPN
inlawrev-3950	475	28	v.	v.	PROPN
inlawrev-3950	475	29	orem	orem	PROPN
inlawrev-3950	475	30	city	city	PROPN
inlawrev-3950	475	31	corp	corp	PROPN
inlawrev-3950	475	32	.	.	PROPN
inlawrev-3950	475	33	,	,	PUNCT
inlawrev-3950	475	34	46	46	NUM
inlawrev-3950	475	35	f.3d	f.3d	NUM
inlawrev-3950	475	36	1491	1491	NUM
inlawrev-3950	475	37	,	,	PUNCT
inlawrev-3950	475	38	1501	1501	NUM
inlawrev-3950	475	39	(	(	PUNCT
inlawrev-3950	475	40	10th	10th	ADJ
inlawrev-3950	475	41	cir	cir	NOUN
inlawrev-3950	475	42	.	.	PROPN
inlawrev-3950	475	43	1995	1995	NUM
inlawrev-3950	475	44	)	)	PUNCT
inlawrev-3950	475	45	;	;	PUNCT
inlawrev-3950	475	46	jackson	jackson	PROPN
inlawrev-3950	475	47	v.	v.	PROPN
inlawrev-3950	475	48	okaloosa	okaloosa	PROPN
inlawrev-3950	475	49	county	county	PROPN
inlawrev-3950	475	50	,	,	PUNCT
inlawrev-3950	475	51	21	21	NUM
inlawrev-3950	475	52	f.3d	f.3d	NUM
inlawrev-3950	475	53	1531	1531	NUM
inlawrev-3950	475	54	,	,	PUNCT
inlawrev-3950	475	55	1543	1543	NUM
inlawrev-3950	475	56	(	(	PUNCT
inlawrev-3950	475	57	1	1	NUM
inlawrev-3950	475	58	1th	1th	ADJ
inlawrev-3950	475	59	cir	cir	NOUN
inlawrev-3950	475	60	.	.	PROPN
inlawrev-3950	475	61	1994	1994	NUM
inlawrev-3950	475	62	)	)	PUNCT
inlawrev-3950	475	63	;	;	PUNCT
inlawrev-3950	475	64	keith	keith	PROPN
inlawrev-3950	475	65	v.	v.	PROPN
inlawrev-3950	475	66	volpe	volpe	PROPN
inlawrev-3950	475	67	,	,	PUNCT
inlawrev-3950	475	68	858	858	NUM
inlawrev-3950	475	69	f.2d	f.2d	NOUN
inlawrev-3950	475	70	467	467	NUM
inlawrev-3950	475	71	,	,	PUNCT
inlawrev-3950	475	72	482	482	NUM
inlawrev-3950	475	73	-	-	SYM
inlawrev-3950	475	74	84	84	NUM
inlawrev-3950	475	75	(	(	PUNCT
inlawrev-3950	475	76	9th	9th	ADJ
inlawrev-3950	475	77	cir	cir	NOUN
inlawrev-3950	475	78	.	.	PUNCT
inlawrev-3950	475	79	1988	1988	NUM
inlawrev-3950	475	80	)	)	PUNCT
inlawrev-3950	475	81	;	;	PUNCT
inlawrev-3950	476	1	huntington	huntington	PROPN
inlawrev-3950	476	2	branch	branch	PROPN
inlawrev-3950	476	3	,	,	PUNCT
inlawrev-3950	476	4	naacp	naacp	PROPN
inlawrev-3950	476	5	v.	v.	ADP
inlawrev-3950	476	6	town	town	NOUN
inlawrev-3950	476	7	of	of	ADP
inlawrev-3950	476	8	huntington	huntington	PROPN
inlawrev-3950	476	9	,	,	PUNCT
inlawrev-3950	476	10	844	844	NUM
inlawrev-3950	476	11	f.2d	f.2d	ADP
inlawrev-3950	476	12	926	926	NUM
inlawrev-3950	476	13	,	,	PUNCT
inlawrev-3950	476	14	934	934	NUM
inlawrev-3950	476	15	-	-	SYM
inlawrev-3950	476	16	36	36	NUM
inlawrev-3950	476	17	(	(	PUNCT
inlawrev-3950	476	18	2d	2d	NUM
inlawrev-3950	476	19	cir	cir	NOUN
inlawrev-3950	476	20	.	.	PUNCT
inlawrev-3950	476	21	)	)	PUNCT
inlawrev-3950	476	22	,	,	PUNCT
inlawrev-3950	476	23	ajfd	ajfd	NOUN
inlawrev-3950	476	24	per	per	ADP
inlawrev-3950	476	25	curiam	curiam	NOUN
inlawrev-3950	476	26	,	,	PUNCT
inlawrev-3950	476	27	488	488	NUM
inlawrev-3950	476	28	u.s	u.s	PROPN
inlawrev-3950	476	29	.	.	PROPN
inlawrev-3950	476	30	15	15	NUM
inlawrev-3950	476	31	(	(	PUNCT
inlawrev-3950	476	32	1988	1988	NUM
inlawrev-3950	476	33	)	)	PUNCT
inlawrev-3950	476	34	;	;	PUNCT
inlawrev-3950	476	35	hanson	hanson	PROPN
inlawrev-3950	476	36	v.	v.	PROPN
inlawrev-3950	476	37	veterans	veterans	PROPN
inlawrev-3950	476	38	admin	admin	VERB
inlawrev-3950	476	39	.	.	PROPN
inlawrev-3950	476	40	,	,	PUNCT
inlawrev-3950	476	41	800f.2d	800f.2d	NUM
inlawrev-3950	476	42	1381	1381	NUM
inlawrev-3950	476	43	,	,	PUNCT
inlawrev-3950	476	44	1386	1386	NUM
inlawrev-3950	476	45	(	(	PUNCT
inlawrev-3950	476	46	5th	5th	ADJ
inlawrev-3950	476	47	cir	cir	NOUN
inlawrev-3950	476	48	.	.	PUNCT
inlawrev-3950	476	49	1986	1986	NUM
inlawrev-3950	476	50	)	)	PUNCT
inlawrev-3950	476	51	;	;	PUNCT
inlawrev-3950	476	52	betsey	betsey	PROPN
inlawrev-3950	476	53	v.	v.	PROPN
inlawrev-3950	476	54	turtle	turtle	PROPN
inlawrev-3950	476	55	creek	creek	PROPN
inlawrev-3950	476	56	ass'ns	ass'ns	PROPN
inlawrev-3950	476	57	,	,	PUNCT
inlawrev-3950	476	58	736	736	NUM
inlawrev-3950	476	59	f.2d	f.2d	X
inlawrev-3950	476	60	983	983	NUM
inlawrev-3950	476	61	,	,	PUNCT
inlawrev-3950	476	62	986	986	NUM
inlawrev-3950	476	63	-	-	SYM
inlawrev-3950	476	64	88	88	NUM
inlawrev-3950	476	65	(	(	PUNCT
inlawrev-3950	476	66	4th	4th	ADJ
inlawrev-3950	476	67	cir	cir	NOUN
inlawrev-3950	476	68	.	.	PUNCT
inlawrev-3950	476	69	1984	1984	NUM
inlawrev-3950	476	70	)	)	PUNCT
inlawrev-3950	476	71	;	;	PUNCT
inlawrev-3950	476	72	united	united	PROPN
inlawrev-3950	476	73	states	states	PROPN
inlawrev-3950	476	74	v.	v.	ADP
inlawrev-3950	476	75	city	city	PROPN
inlawrev-3950	476	76	of	of	ADP
inlawrev-3950	476	77	parma	parma	PROPN
inlawrev-3950	476	78	,	,	PUNCT
inlawrev-3950	476	79	661	661	NUM
inlawrev-3950	476	80	f.2d	f.2d	NOUN
inlawrev-3950	476	81	562	562	NUM
inlawrev-3950	476	82	,	,	PUNCT
inlawrev-3950	476	83	564	564	NUM
inlawrev-3950	476	84	-	-	SYM
inlawrev-3950	476	85	65	65	NUM
inlawrev-3950	476	86	,	,	PUNCT
inlawrev-3950	476	87	576	576	NUM
inlawrev-3950	476	88	(	(	PUNCT
inlawrev-3950	476	89	6th	6th	ADJ
inlawrev-3950	476	90	cir	cir	NOUN
inlawrev-3950	476	91	.	.	PUNCT
inlawrev-3950	477	1	1981);resident	1981);resident	NUM
inlawrev-3950	477	2	advisory	advisory	PROPN
inlawrev-3950	477	3	bd	bd	PROPN
inlawrev-3950	477	4	.	.	PROPN
inlawrev-3950	478	1	v.	v.	PROPN
inlawrev-3950	478	2	rizzo	rizzo	PROPN
inlawrev-3950	478	3	,	,	PUNCT
inlawrev-3950	478	4	564	564	NUM
inlawrev-3950	478	5	f.2d	f.2d	NOUN
inlawrev-3950	478	6	126	126	NUM
inlawrev-3950	478	7	,	,	PUNCT
inlawrev-3950	478	8	146	146	NUM
inlawrev-3950	478	9	-	-	SYM
inlawrev-3950	478	10	49(3dcir	49(3dcir	NUM
inlawrev-3950	478	11	.	.	PUNCT
inlawrev-3950	478	12	1977	1977	NUM
inlawrev-3950	478	13	)	)	PUNCT
inlawrev-3950	478	14	;	;	PUNCT
inlawrev-3950	479	1	metro	metro	PROPN
inlawrev-3950	479	2	.	.	PUNCT
inlawrev-3950	480	1	hous	hous	ADJ
inlawrev-3950	480	2	.	.	PUNCT
inlawrev-3950	481	1	dev	dev	PROPN
inlawrev-3950	481	2	.	.	PROPN
inlawrev-3950	481	3	corp	corp	PROPN
inlawrev-3950	481	4	.	.	PROPN
inlawrev-3950	482	1	v.	v.	PROPN
inlawrev-3950	482	2	vill	vill	PROPN
inlawrev-3950	482	3	.	.	PUNCT
inlawrev-3950	483	1	of	of	ADP
inlawrev-3950	483	2	arlington	arlington	PROPN
inlawrev-3950	483	3	heights	heights	PROPN
inlawrev-3950	483	4	,	,	PUNCT
inlawrev-3950	483	5	558	558	NUM
inlawrev-3950	483	6	f.2d	f.2d	NOUN
inlawrev-3950	483	7	1283	1283	NUM
inlawrev-3950	483	8	,	,	PUNCT
inlawrev-3950	483	9	1288	1288	NUM
inlawrev-3950	483	10	-	-	SYM
inlawrev-3950	483	11	90	90	NUM
inlawrev-3950	483	12	(	(	PUNCT
inlawrev-3950	483	13	7th	7th	ADJ
inlawrev-3950	483	14	cir	cir	NOUN
inlawrev-3950	483	15	.	.	PUNCT
inlawrev-3950	483	16	1977	1977	NUM
inlawrev-3950	483	17	)	)	PUNCT
inlawrev-3950	484	1	;	;	PUNCT
inlawrev-3950	484	2	united	united	PROPN
inlawrev-3950	484	3	states	states	PROPN
inlawrev-3950	484	4	v.	v.	ADP
inlawrev-3950	484	5	city	city	NOUN
inlawrev-3950	484	6	of	of	ADP
inlawrev-3950	484	7	black	black	ADJ
inlawrev-3950	484	8	jack	jack	NOUN
inlawrev-3950	484	9	,	,	PUNCT
inlawrev-3950	484	10	508	508	NUM
inlawrev-3950	484	11	f.2d	f.2d	NOUN
inlawrev-3950	484	12	1	1	NUM
inlawrev-3950	484	13	179	179	NUM
inlawrev-3950	484	14	,	,	PUNCT
inlawrev-3950	484	15	1	1	NUM
inlawrev-3950	484	16	184	184	NUM
inlawrev-3950	484	17	-	-	SYM
inlawrev-3950	484	18	85	85	NUM
inlawrev-3950	484	19	(	(	PUNCT
inlawrev-3950	484	20	8th	8th	ADJ
inlawrev-3950	484	21	cir	cir	NOUN
inlawrev-3950	484	22	.	.	PROPN
inlawrev-3950	484	23	1974	1974	NUM
inlawrev-3950	484	24	)	)	PUNCT
inlawrev-3950	484	25	.	.	PUNCT
inlawrev-3950	485	1	1	1	NUM
inlawrev-3950	485	2	26	26	NUM
inlawrev-3950	485	3	.	.	PUNCT
inlawrev-3950	486	1	report	report	NOUN
inlawrev-3950	486	2	of	of	ADP
inlawrev-3950	486	3	the	the	DET
inlawrev-3950	486	4	national	national	PROPN
inlawrev-3950	486	5	advisory	advisory	PROPN
inlawrev-3950	486	6	commission	commission	NOUN
inlawrev-3950	486	7	on	on	ADP
inlawrev-3950	486	8	civil	civil	ADJ
inlawrev-3950	486	9	disorders	disorder	NOUN
inlawrev-3950	486	10	13(1	13(1	NUM
inlawrev-3950	486	11	968	968	NUM
inlawrev-3950	486	12	)	)	PUNCT
inlawrev-3950	486	13	.	.	PUNCT
inlawrev-3950	487	1	127	127	NUM
inlawrev-3950	487	2	.	.	X
inlawrev-3950	487	3	114	114	NUM
inlawrev-3950	487	4	cong	cong	NOUN
inlawrev-3950	487	5	.	.	PUNCT
inlawrev-3950	488	1	rec	rec	PROPN
inlawrev-3950	488	2	.	.	PROPN
inlawrev-3950	488	3	2277	2277	NUM
inlawrev-3950	488	4	(	(	PUNCT
inlawrev-3950	488	5	1968	1968	NUM
inlawrev-3950	488	6	)	)	PUNCT
inlawrev-3950	488	7	.	.	PUNCT
inlawrev-3950	489	1	128	128	NUM
inlawrev-3950	489	2	.	.	PUNCT
inlawrev-3950	490	1	i	i	PRON
inlawrev-3950	490	2	d.	d.	PROPN
inlawrev-3950	490	3	dx	dx	PROPN
inlawrev-3950	490	4	2526	2526	NUM
inlawrev-3950	490	5	.	.	PUNCT
inlawrev-3950	491	1	129	129	NUM
inlawrev-3950	491	2	.	.	PUNCT
inlawrev-3950	492	1	rawlings	rawling	NOUN
inlawrev-3950	492	2	et	et	PROPN
inlawrev-3950	492	3	al	al	PROPN
inlawrev-3950	492	4	.	.	PROPN
inlawrev-3950	492	5	,	,	PUNCT
inlawrev-3950	492	6	supra	supra	PROPN
inlawrev-3950	492	7	note	note	PROPN
inlawrev-3950	492	8	5	5	NUM
inlawrev-3950	492	9	,	,	PUNCT
inlawrev-3950	492	10	at	at	ADP
inlawrev-3950	492	11	2	2	NUM
inlawrev-3950	492	12	.	.	NUM
inlawrev-3950	492	13	130	130	NUM
inlawrev-3950	492	14	.	.	PUNCT
inlawrev-3950	493	1	i	i	PRON
inlawrev-3950	493	2	d.	d.	PROPN
inlawrev-3950	493	3	2008	2008	NUM
inlawrev-3950	493	4	]	]	PUNCT
inlawrev-3950	493	5	future	future	NOUN
inlawrev-3950	493	6	of	of	ADP
inlawrev-3950	493	7	the	the	DET
inlawrev-3950	493	8	fair	fair	ADJ
inlawrev-3950	493	9	housing	housing	PROPN
inlawrev-3950	493	10	act	act	NOUN
inlawrev-3950	493	11	649	649	NUM
inlawrev-3950	493	12	segregation	segregation	NOUN
inlawrev-3950	493	13	.	.	PUNCT
inlawrev-3950	494	1	^^^	^^^	VERB
inlawrev-3950	494	2	the	the	DET
inlawrev-3950	494	3	reasons	reason	NOUN
inlawrev-3950	494	4	for	for	ADP
inlawrev-3950	494	5	such	such	ADJ
inlawrev-3950	494	6	hmited	hmited	ADJ
inlawrev-3950	494	7	progress	progress	NOUN
inlawrev-3950	494	8	are	be	AUX
inlawrev-3950	494	9	many	many	ADJ
inlawrev-3950	494	10	and	and	CCONJ
inlawrev-3950	494	11	complicated	complicated	ADJ
inlawrev-3950	494	12	.	.	PUNCT
inlawrev-3950	495	1	indeed	indeed	ADV
inlawrev-3950	495	2	,	,	PUNCT
inlawrev-3950	495	3	on	on	ADP
inlawrev-3950	495	4	anniversaries	anniversary	NOUN
inlawrev-3950	495	5	of	of	ADP
inlawrev-3950	495	6	the	the	DET
inlawrev-3950	495	7	fha	fha	NOUN
inlawrev-3950	495	8	such	such	ADJ
inlawrev-3950	495	9	as	as	ADP
inlawrev-3950	495	10	this	this	PRON
inlawrev-3950	495	11	,	,	PUNCT
inlawrev-3950	495	12	advocates	advocate	NOUN
inlawrev-3950	495	13	regularly	regularly	ADV
inlawrev-3950	495	14	spend	spend	VERB
inlawrev-3950	495	15	much	much	ADJ
inlawrev-3950	495	16	time	time	NOUN
inlawrev-3950	495	17	debating	debate	VERB
inlawrev-3950	495	18	the	the	DET
inlawrev-3950	495	19	likely	likely	ADJ
inlawrev-3950	495	20	causes	cause	NOUN
inlawrev-3950	495	21	and	and	CCONJ
inlawrev-3950	495	22	the	the	DET
inlawrev-3950	495	23	conclusions	conclusion	NOUN
inlawrev-3950	495	24	to	to	PART
inlawrev-3950	495	25	be	be	AUX
inlawrev-3950	495	26	drawn	draw	VERB
inlawrev-3950	495	27	.	.	PUNCT
inlawrev-3950	496	1	some	some	PRON
inlawrev-3950	496	2	of	of	ADP
inlawrev-3950	496	3	the	the	DET
inlawrev-3950	496	4	failure	failure	NOUN
inlawrev-3950	496	5	is	be	AUX
inlawrev-3950	496	6	undoubtedly	undoubtedly	ADV
inlawrev-3950	496	7	attributable	attributable	ADJ
inlawrev-3950	496	8	to	to	ADP
inlawrev-3950	496	9	continuing	continue	VERB
inlawrev-3950	496	10	discrimination	discrimination	NOUN
inlawrev-3950	496	11	by	by	ADP
inlawrev-3950	496	12	landlords	landlord	NOUN
inlawrev-3950	496	13	and	and	CCONJ
inlawrev-3950	496	14	other	other	ADJ
inlawrev-3950	496	15	housing	housing	NOUN
inlawrev-3950	496	16	providers	provider	NOUN
inlawrev-3950	496	17	.	.	PUNCT
inlawrev-3950	497	1	some	some	PRON
inlawrev-3950	497	2	of	of	ADP
inlawrev-3950	497	3	it	it	PRON
inlawrev-3950	497	4	is	be	AUX
inlawrev-3950	497	5	likely	likely	ADJ
inlawrev-3950	497	6	due	due	ADJ
inlawrev-3950	497	7	to	to	ADP
inlawrev-3950	497	8	facially	facially	ADV
inlawrev-3950	497	9	neutral	neutral	ADJ
inlawrev-3950	497	10	practices	practice	NOUN
inlawrev-3950	497	11	and	and	CCONJ
inlawrev-3950	497	12	policies	policy	NOUN
inlawrev-3950	497	13	of	of	ADP
inlawrev-3950	497	14	local	local	ADJ
inlawrev-3950	497	15	governments	government	NOUN
inlawrev-3950	497	16	that	that	PRON
inlawrev-3950	497	17	have	have	VERB
inlawrev-3950	497	18	the	the	DET
inlawrev-3950	497	19	effect	effect	NOUN
inlawrev-3950	497	20	of	of	ADP
inlawrev-3950	497	21	reinforcing	reinforce	VERB
inlawrev-3950	497	22	pre	pre	ADJ
inlawrev-3950	497	23	-	-	ADJ
inlawrev-3950	497	24	existing	existing	ADJ
inlawrev-3950	497	25	residential	residential	ADJ
inlawrev-3950	497	26	segregation	segregation	NOUN
inlawrev-3950	497	27	.	.	PUNCT
inlawrev-3950	498	1	finally	finally	ADV
inlawrev-3950	498	2	,	,	PUNCT
inlawrev-3950	498	3	some	some	PRON
inlawrev-3950	498	4	of	of	ADP
inlawrev-3950	498	5	the	the	DET
inlawrev-3950	498	6	failure	failure	NOUN
inlawrev-3950	498	7	is	be	AUX
inlawrev-3950	498	8	clearly	clearly	ADV
inlawrev-3950	498	9	due	due	ADJ
inlawrev-3950	498	10	to	to	ADP
inlawrev-3950	498	11	a	a	DET
inlawrev-3950	498	12	chronic	chronic	ADJ
inlawrev-3950	498	13	insufficiency	insufficiency	NOUN
inlawrev-3950	498	14	ofresources	ofresource	NOUN
inlawrev-3950	498	15	(	(	PUNCT
inlawrev-3950	498	16	regardless	regardless	ADV
inlawrev-3950	498	17	ofpolitical	ofpolitical	ADJ
inlawrev-3950	498	18	administrations	administration	NOUN
inlawrev-3950	498	19	in	in	ADP
inlawrev-3950	498	20	washington	washington	PROPN
inlawrev-3950	498	21	)	)	PUNCT
inlawrev-3950	498	22	available	available	ADJ
inlawrev-3950	498	23	for	for	ADP
inlawrev-3950	498	24	government	government	NOUN
inlawrev-3950	498	25	enforcement	enforcement	NOUN
inlawrev-3950	498	26	and	and	CCONJ
inlawrev-3950	498	27	prosecution	prosecution	NOUN
inlawrev-3950	498	28	of	of	ADP
inlawrev-3950	498	29	the	the	DET
inlawrev-3950	498	30	fair	fair	ADJ
inlawrev-3950	498	31	lending	lending	NOUN
inlawrev-3950	498	32	laws	law	NOUN
inlawrev-3950	498	33	that	that	PRON
inlawrev-3950	498	34	both	both	CCONJ
inlawrev-3950	498	35	the	the	DET
inlawrev-3950	498	36	congress	congress	PROPN
inlawrev-3950	498	37	and	and	CCONJ
inlawrev-3950	498	38	state	state	NOUN
inlawrev-3950	498	39	legislatures	legislature	NOUN
inlawrev-3950	498	40	have	have	AUX
inlawrev-3950	498	41	worked	work	VERB
inlawrev-3950	498	42	hard	hard	ADV
inlawrev-3950	498	43	over	over	ADP
inlawrev-3950	498	44	the	the	DET
inlawrev-3950	498	45	last	last	ADJ
inlawrev-3950	498	46	four	four	NUM
inlawrev-3950	498	47	decades	decade	NOUN
inlawrev-3950	498	48	to	to	PART
inlawrev-3950	498	49	pass	pass	VERB
inlawrev-3950	498	50	.	.	PUNCT
inlawrev-3950	499	1	dr	dr	PROPN
inlawrev-3950	499	2	.	.	PROPN
inlawrev-3950	499	3	king	king	PROPN
inlawrev-3950	499	4	himself	himself	PRON
inlawrev-3950	499	5	clearly	clearly	ADV
inlawrev-3950	499	6	understood	understand	VERB
inlawrev-3950	499	7	the	the	DET
inlawrev-3950	499	8	unique	unique	ADJ
inlawrev-3950	499	9	challenges	challenge	NOUN
inlawrev-3950	499	10	posed	pose	VERB
inlawrev-3950	499	11	by	by	ADP
inlawrev-3950	499	12	the	the	DET
inlawrev-3950	499	13	goal	goal	NOUN
inlawrev-3950	499	14	of	of	ADP
inlawrev-3950	499	15	integration	integration	NOUN
inlawrev-3950	499	16	.	.	PUNCT
inlawrev-3950	500	1	in	in	ADP
inlawrev-3950	500	2	a	a	DET
inlawrev-3950	500	3	sermon	sermon	NOUN
inlawrev-3950	500	4	he	he	PRON
inlawrev-3950	500	5	gave	give	VERB
inlawrev-3950	500	6	in	in	ADP
inlawrev-3950	500	7	1962	1962	NUM
inlawrev-3950	500	8	entitled	entitle	VERB
inlawrev-3950	500	9	"	"	PUNCT
inlawrev-3950	500	10	the	the	DET
inlawrev-3950	500	11	ethical	ethical	ADJ
inlawrev-3950	500	12	demands	demand	NOUN
inlawrev-3950	500	13	for	for	ADP
inlawrev-3950	500	14	integration	integration	NOUN
inlawrev-3950	500	15	,	,	PUNCT
inlawrev-3950	500	16	"	"	PUNCT
inlawrev-3950	500	17	he	he	PRON
inlawrev-3950	500	18	explored	explore	VERB
inlawrev-3950	500	19	the	the	DET
inlawrev-3950	500	20	role	role	NOUN
inlawrev-3950	500	21	that	that	PRON
inlawrev-3950	500	22	law	law	NOUN
inlawrev-3950	500	23	could	could	AUX
inlawrev-3950	500	24	play	play	VERB
inlawrev-3950	500	25	in	in	ADP
inlawrev-3950	500	26	"	"	PUNCT
inlawrev-3950	500	27	legislating	legislate	VERB
inlawrev-3950	500	28	"	"	PUNCT
inlawrev-3950	500	29	an	an	DET
inlawrev-3950	500	30	end	end	NOUN
inlawrev-3950	500	31	to	to	ADP
inlawrev-3950	500	32	segregation	segregation	NOUN
inlawrev-3950	500	33	:	:	PUNCT
inlawrev-3950	500	34	let	let	VERB
inlawrev-3950	500	35	us	we	PRON
inlawrev-3950	500	36	never	never	ADV
inlawrev-3950	500	37	succumb	succumb	VERB
inlawrev-3950	500	38	to	to	ADP
inlawrev-3950	500	39	the	the	DET
inlawrev-3950	500	40	temptation	temptation	NOUN
inlawrev-3950	500	41	of	of	ADP
inlawrev-3950	500	42	believing	believe	VERB
inlawrev-3950	500	43	that	that	SCONJ
inlawrev-3950	500	44	legislation	legislation	NOUN
inlawrev-3950	500	45	and	and	CCONJ
inlawrev-3950	500	46	judicial	judicial	ADJ
inlawrev-3950	500	47	decrees	decree	NOUN
inlawrev-3950	500	48	play	play	VERB
inlawrev-3950	500	49	only	only	ADV
inlawrev-3950	500	50	minor	minor	ADJ
inlawrev-3950	500	51	roles	role	NOUN
inlawrev-3950	500	52	in	in	ADP
inlawrev-3950	500	53	solving	solve	VERB
inlawrev-3950	500	54	this	this	DET
inlawrev-3950	500	55	problem	problem	NOUN
inlawrev-3950	500	56	.	.	PUNCT
inlawrev-3950	501	1	morality	morality	NOUN
inlawrev-3950	501	2	can	can	AUX
inlawrev-3950	501	3	not	not	PART
inlawrev-3950	501	4	be	be	AUX
inlawrev-3950	501	5	legislated	legislate	VERB
inlawrev-3950	501	6	,	,	PUNCT
inlawrev-3950	501	7	but	but	CCONJ
inlawrev-3950	501	8	behaviour	behaviour	NOUN
inlawrev-3950	501	9	can	can	AUX
inlawrev-3950	501	10	be	be	AUX
inlawrev-3950	501	11	regulated	regulate	VERB
inlawrev-3950	501	12	let	let	VERB
inlawrev-3950	501	13	us	we	PRON
inlawrev-3950	501	14	not	not	PART
inlawrev-3950	501	15	be	be	AUX
inlawrev-3950	501	16	misled	mislead	VERB
inlawrev-3950	501	17	by	by	ADP
inlawrev-3950	501	18	those	those	PRON
inlawrev-3950	501	19	who	who	PRON
inlawrev-3950	501	20	argue	argue	VERB
inlawrev-3950	501	21	that	that	SCONJ
inlawrev-3950	501	22	segregation	segregation	NOUN
inlawrev-3950	501	23	can	can	AUX
inlawrev-3950	501	24	not	not	PART
inlawrev-3950	501	25	be	be	AUX
inlawrev-3950	501	26	ended	end	VERB
inlawrev-3950	501	27	by	by	ADP
inlawrev-3950	501	28	the	the	DET
inlawrev-3950	501	29	force	force	NOUN
inlawrev-3950	501	30	of	of	ADP
inlawrev-3950	501	31	law	law	NOUN
inlawrev-3950	501	32	.	.	PUNCT
inlawrev-3950	502	1	^^^	^^^	PUNCT
inlawrev-3950	502	2	at	at	ADP
inlawrev-3950	502	3	the	the	DET
inlawrev-3950	502	4	same	same	ADJ
inlawrev-3950	502	5	time	time	NOUN
inlawrev-3950	502	6	,	,	PUNCT
inlawrev-3950	502	7	he	he	PRON
inlawrev-3950	502	8	also	also	ADV
inlawrev-3950	502	9	understood	understand	VERB
inlawrev-3950	502	10	the	the	DET
inlawrev-3950	502	11	limitations	limitation	NOUN
inlawrev-3950	502	12	of	of	ADP
inlawrev-3950	502	13	law	law	NOUN
inlawrev-3950	502	14	in	in	ADP
inlawrev-3950	502	15	achieving	achieve	VERB
inlawrev-3950	502	16	integrated	integrated	ADJ
inlawrev-3950	502	17	living	living	NOUN
inlawrev-3950	502	18	patterns	pattern	NOUN
inlawrev-3950	502	19	.	.	PUNCT
inlawrev-3950	503	1	ultimately	ultimately	ADV
inlawrev-3950	503	2	,	,	PUNCT
inlawrev-3950	503	3	integration	integration	NOUN
inlawrev-3950	503	4	would	would	AUX
inlawrev-3950	503	5	require	require	VERB
inlawrev-3950	503	6	fulfillment	fulfillment	NOUN
inlawrev-3950	503	7	of	of	ADP
inlawrev-3950	503	8	an	an	DET
inlawrev-3950	503	9	"	"	PUNCT
inlawrev-3950	503	10	unenforceable	unenforceable	ADJ
inlawrev-3950	503	11	obligation	obligation	NOUN
inlawrev-3950	503	12	"	"	PUNCT
inlawrev-3950	503	13	:	:	PUNCT
inlawrev-3950	503	14	[	[	X
inlawrev-3950	503	15	t]he	t]he	ADV
inlawrev-3950	503	16	ultimate	ultimate	ADJ
inlawrev-3950	503	17	solution	solution	NOUN
inlawrev-3950	503	18	to	to	ADP
inlawrev-3950	503	19	the	the	DET
inlawrev-3950	503	20	race	race	NOUN
inlawrev-3950	503	21	problem	problem	NOUN
inlawrev-3950	503	22	lies	lie	VERB
inlawrev-3950	503	23	in	in	ADP
inlawrev-3950	503	24	the	the	DET
inlawrev-3950	503	25	willingness	willingness	NOUN
inlawrev-3950	503	26	of	of	ADP
inlawrev-3950	503	27	men	man	NOUN
inlawrev-3950	503	28	to	to	PART
inlawrev-3950	503	29	obey	obey	VERB
inlawrev-3950	503	30	the	the	DET
inlawrev-3950	503	31	unenforceable	unenforceable	ADJ
inlawrev-3950	503	32	.	.	PUNCT
inlawrev-3950	504	1	court	court	NOUN
inlawrev-3950	504	2	orders	order	NOUN
inlawrev-3950	504	3	and	and	CCONJ
inlawrev-3950	504	4	federal	federal	ADJ
inlawrev-3950	504	5	enforcement	enforcement	NOUN
inlawrev-3950	504	6	agencies	agency	NOUN
inlawrev-3950	504	7	are	be	AUX
inlawrev-3950	504	8	of	of	ADP
inlawrev-3950	504	9	inestimable	inestimable	ADJ
inlawrev-3950	504	10	value	value	NOUN
inlawrev-3950	504	11	in	in	ADP
inlawrev-3950	504	12	achieving	achieve	VERB
inlawrev-3950	504	13	desegregation	desegregation	NOUN
inlawrev-3950	504	14	,	,	PUNCT
inlawrev-3950	504	15	but	but	CCONJ
inlawrev-3950	504	16	desegregation	desegregation	NOUN
inlawrev-3950	504	17	is	be	AUX
inlawrev-3950	504	18	only	only	ADV
inlawrev-3950	504	19	a	a	DET
inlawrev-3950	504	20	partial	partial	ADJ
inlawrev-3950	504	21	,	,	PUNCT
inlawrev-3950	504	22	though	though	SCONJ
inlawrev-3950	504	23	necessary	necessary	ADJ
inlawrev-3950	504	24	step	step	NOUN
inlawrev-3950	504	25	toward	toward	ADP
inlawrev-3950	504	26	the	the	DET
inlawrev-3950	504	27	final	final	ADJ
inlawrev-3950	504	28	goal	goal	NOUN
inlawrev-3950	504	29	which	which	PRON
inlawrev-3950	504	30	we	we	PRON
inlawrev-3950	504	31	seek	seek	VERB
inlawrev-3950	504	32	to	to	PART
inlawrev-3950	504	33	realize	realize	VERB
inlawrev-3950	504	34	,	,	PUNCT
inlawrev-3950	504	35	genuine	genuine	ADJ
inlawrev-3950	504	36	intergroup	intergroup	NOUN
inlawrev-3950	504	37	and	and	CCONJ
inlawrev-3950	504	38	interpersonal	interpersonal	ADJ
inlawrev-3950	504	39	living	living	NOUN
inlawrev-3950	504	40	.	.	PUNCT
inlawrev-3950	504	41	.	.	PUNCT
inlawrev-3950	504	42	.	.	PUNCT
inlawrev-3950	504	43	.	.	PUNCT
inlawrev-3950	505	1	true	true	ADJ
inlawrev-3950	505	2	integration	integration	NOUN
inlawrev-3950	505	3	will	will	AUX
inlawrev-3950	505	4	be	be	AUX
inlawrev-3950	505	5	achieved	achieve	VERB
inlawrev-3950	505	6	by	by	ADP
inlawrev-3950	505	7	true	true	ADJ
inlawrev-3950	505	8	neighbors	neighbor	NOUN
inlawrev-3950	505	9	who	who	PRON
inlawrev-3950	505	10	are	be	AUX
inlawrev-3950	505	11	willingly	willingly	ADV
inlawrev-3950	505	12	obedient	obedient	ADJ
inlawrev-3950	505	13	to	to	ADP
inlawrev-3950	505	14	unenforceable	unenforceable	ADJ
inlawrev-3950	505	15	obligations	obligation	NOUN
inlawrev-3950	505	16	.	.	PUNCT
inlawrev-3950	506	1	'^^	'^^	PROPN
inlawrev-3950	506	2	put	put	VERB
inlawrev-3950	506	3	differently	differently	ADV
inlawrev-3950	506	4	,	,	PUNCT
inlawrev-3950	506	5	much	much	ADJ
inlawrev-3950	506	6	of	of	ADP
inlawrev-3950	506	7	the	the	DET
inlawrev-3950	506	8	work	work	NOUN
inlawrev-3950	506	9	of	of	ADP
inlawrev-3950	506	10	integration	integration	NOUN
inlawrev-3950	506	11	requires	require	VERB
inlawrev-3950	506	12	voluntary	voluntary	ADJ
inlawrev-3950	506	13	steps	step	NOUN
inlawrev-3950	506	14	by	by	ADP
inlawrev-3950	506	15	persons	person	NOUN
inlawrev-3950	506	16	of	of	ADP
inlawrev-3950	506	17	good	good	ADJ
inlawrev-3950	506	18	will	will	NOUN
inlawrev-3950	506	19	.	.	PUNCT
inlawrev-3950	507	1	the	the	DET
inlawrev-3950	507	2	work	work	NOUN
inlawrev-3950	507	3	is	be	AUX
inlawrev-3950	507	4	hard	hard	ADJ
inlawrev-3950	507	5	,	,	PUNCT
inlawrev-3950	507	6	takes	take	VERB
inlawrev-3950	507	7	time	time	NOUN
inlawrev-3950	507	8	,	,	PUNCT
inlawrev-3950	507	9	and	and	CCONJ
inlawrev-3950	507	10	requires	require	VERB
inlawrev-3950	507	11	a	a	DET
inlawrev-3950	507	12	change	change	NOUN
inlawrev-3950	507	13	not	not	PART
inlawrev-3950	507	14	just	just	ADV
inlawrev-3950	507	15	in	in	ADP
inlawrev-3950	507	16	law	law	NOUN
inlawrev-3950	507	17	,	,	PUNCT
inlawrev-3950	507	18	but	but	CCONJ
inlawrev-3950	507	19	in	in	ADP
inlawrev-3950	507	20	the	the	DET
inlawrev-3950	507	21	human	human	ADJ
inlawrev-3950	507	22	heart	heart	NOUN
inlawrev-3950	507	23	,	,	PUNCT
inlawrev-3950	507	24	before	before	SCONJ
inlawrev-3950	507	25	it	it	PRON
inlawrev-3950	507	26	can	can	AUX
inlawrev-3950	507	27	take	take	VERB
inlawrev-3950	507	28	hold	hold	NOUN
inlawrev-3950	507	29	and	and	CCONJ
inlawrev-3950	507	30	produce	produce	VERB
inlawrev-3950	507	31	results	result	NOUN
inlawrev-3950	507	32	in	in	ADP
inlawrev-3950	507	33	a	a	DET
inlawrev-3950	507	34	form	form	NOUN
inlawrev-3950	507	35	that	that	PRON
inlawrev-3950	507	36	all	all	PRON
inlawrev-3950	507	37	can	can	AUX
inlawrev-3950	507	38	see	see	VERB
inlawrev-3950	507	39	.	.	PUNCT
inlawrev-3950	508	1	131	131	X
inlawrev-3950	508	2	.	.	PUNCT
inlawrev-3950	509	1	see	see	VERB
inlawrev-3950	509	2	,	,	PUNCT
inlawrev-3950	509	3	e.g.	e.g.	ADV
inlawrev-3950	509	4	,	,	PUNCT
inlawrev-3950	509	5	eric	eric	PROPN
inlawrev-3950	509	6	schmitt	schmitt	PROPN
inlawrev-3950	509	7	,	,	PUNCT
inlawrev-3950	509	8	segregation	segregation	NOUN
inlawrev-3950	509	9	growing	grow	VERB
inlawrev-3950	509	10	among	among	ADP
inlawrev-3950	509	11	u.s	u.s	PROPN
inlawrev-3950	509	12	.	.	PROPN
inlawrev-3950	509	13	children	children	PROPN
inlawrev-3950	509	14	,	,	PUNCT
inlawrev-3950	509	15	n.y	n.y	PROPN
inlawrev-3950	509	16	.	.	PROPN
inlawrev-3950	509	17	times	times	PROPN
inlawrev-3950	509	18	,	,	PUNCT
inlawrev-3950	509	19	may	may	AUX
inlawrev-3950	509	20	6	6	NUM
inlawrev-3950	509	21	,	,	PUNCT
inlawrev-3950	509	22	2001	2001	NUM
inlawrev-3950	509	23	,	,	PUNCT
inlawrev-3950	509	24	at	at	ADP
inlawrev-3950	509	25	28	28	NUM
inlawrev-3950	509	26	(	(	PUNCT
inlawrev-3950	509	27	citing	cite	VERB
inlawrev-3950	509	28	study	study	NOUN
inlawrev-3950	509	29	performed	perform	VERB
inlawrev-3950	509	30	by	by	ADP
inlawrev-3950	509	31	researchers	researcher	NOUN
inlawrev-3950	509	32	at	at	ADP
inlawrev-3950	509	33	the	the	DET
inlawrev-3950	509	34	state	state	NOUN
inlawrev-3950	509	35	university	university	PROPN
inlawrev-3950	509	36	of	of	ADP
inlawrev-3950	509	37	new	new	PROPN
inlawrev-3950	509	38	york	york	PROPN
inlawrev-3950	509	39	at	at	ADP
inlawrev-3950	509	40	albany	albany	PROPN
inlawrev-3950	509	41	showing	show	VERB
inlawrev-3950	509	42	that	that	SCONJ
inlawrev-3950	509	43	segregated	segregate	VERB
inlawrev-3950	509	44	living	living	NOUN
inlawrev-3950	509	45	patterns	pattern	NOUN
inlawrev-3950	509	46	of	of	ADP
inlawrev-3950	509	47	children	child	NOUN
inlawrev-3950	509	48	worsened	worsen	VERB
inlawrev-3950	509	49	significantly	significantly	ADV
inlawrev-3950	509	50	from	from	ADP
inlawrev-3950	509	51	1990	1990	NUM
inlawrev-3950	509	52	to	to	ADP
inlawrev-3950	509	53	2001	2001	NUM
inlawrev-3950	509	54	in	in	ADP
inlawrev-3950	509	55	many	many	ADJ
inlawrev-3950	509	56	large	large	ADJ
inlawrev-3950	509	57	northeastern	northeastern	ADJ
inlawrev-3950	509	58	and	and	CCONJ
inlawrev-3950	509	59	midwestern	midwestern	ADJ
inlawrev-3950	509	60	metropolitan	metropolitan	ADJ
inlawrev-3950	509	61	areas	area	NOUN
inlawrev-3950	509	62	)	)	PUNCT
inlawrev-3950	509	63	.	.	PUNCT
inlawrev-3950	510	1	132	132	NUM
inlawrev-3950	510	2	.	.	PUNCT
inlawrev-3950	511	1	martin	martin	PROPN
inlawrev-3950	511	2	luther	luther	PROPN
inlawrev-3950	511	3	king	king	PROPN
inlawrev-3950	511	4	,	,	PUNCT
inlawrev-3950	511	5	jr	jr	PROPN
inlawrev-3950	511	6	.	.	PROPN
inlawrev-3950	511	7	,	,	PUNCT
inlawrev-3950	511	8	the	the	DET
inlawrev-3950	511	9	ethical	ethical	ADJ
inlawrev-3950	511	10	demands	demand	NOUN
inlawrev-3950	511	11	for	for	ADP
inlawrev-3950	511	12	integration	integration	NOUN
inlawrev-3950	511	13	(	(	PUNCT
inlawrev-3950	511	14	dec	dec	PROPN
inlawrev-3950	511	15	.	.	PROPN
inlawrev-3950	511	16	27	27	NUM
inlawrev-3950	511	17	,	,	PUNCT
inlawrev-3950	511	18	1962	1962	NUM
inlawrev-3950	511	19	)	)	PUNCT
inlawrev-3950	511	20	,	,	PUNCT
inlawrev-3950	511	21	in	in	ADP
inlawrev-3950	511	22	a	a	DET
inlawrev-3950	511	23	testament	testament	NOUN
inlawrev-3950	511	24	ofhope	ofhope	NOUN
inlawrev-3950	511	25	:	:	PUNCT
inlawrev-3950	511	26	the	the	DET
inlawrev-3950	511	27	essentialwritings	essentialwriting	NOUN
inlawrev-3950	511	28	ofmartin	ofmartin	NOUN
inlawrev-3950	511	29	luther	luther	PROPN
inlawrev-3950	511	30	king	king	PROPN
inlawrev-3950	511	31	,	,	PUNCT
inlawrev-3950	511	32	jr	jr	PROPN
inlawrev-3950	511	33	.	.	NOUN
inlawrev-3950	511	34	1	1	NUM
inlawrev-3950	511	35	1	1	NUM
inlawrev-3950	511	36	7	7	NUM
inlawrev-3950	511	37	,	,	PUNCT
inlawrev-3950	511	38	1	1	NUM
inlawrev-3950	511	39	24	24	NUM
inlawrev-3950	511	40	(	(	PUNCT
inlawrev-3950	511	41	james	james	PROPN
inlawrev-3950	511	42	m.	m.	PROPN
inlawrev-3950	511	43	washington	washington	PROPN
inlawrev-3950	511	44	ed	ed	PROPN
inlawrev-3950	511	45	.	.	PROPN
inlawrev-3950	511	46	,	,	PUNCT
inlawrev-3950	511	47	1986	1986	NUM
inlawrev-3950	511	48	)	)	PUNCT
inlawrev-3950	511	49	.	.	PUNCT
inlawrev-3950	512	1	133	133	NUM
inlawrev-3950	512	2	.	.	PUNCT
inlawrev-3950	513	1	i	i	PRON
inlawrev-3950	513	2	d.	d.	PROPN
inlawrev-3950	513	3	650	650	NUM
inlawrev-3950	513	4	indiana	indiana	PROPN
inlawrev-3950	513	5	law	law	PROPN
inlawrev-3950	513	6	review	review	NOUN
inlawrev-3950	514	1	[	[	X
inlawrev-3950	514	2	vol	vol	NOUN
inlawrev-3950	514	3	.	.	PUNCT
inlawrev-3950	514	4	41	41	NUM
inlawrev-3950	514	5	:	:	PUNCT
inlawrev-3950	514	6	629	629	NUM
inlawrev-3950	514	7	b.	b.	NOUN
inlawrev-3950	514	8	foreclosures	foreclosure	NOUN
inlawrev-3950	514	9	and	and	CCONJ
inlawrev-3950	514	10	integration	integration	NOUN
inlawrev-3950	514	11	charting	chart	VERB
inlawrev-3950	514	12	a	a	DET
inlawrev-3950	514	13	full	full	ADJ
inlawrev-3950	514	14	remedial	remedial	ADJ
inlawrev-3950	514	15	course	course	NOUN
inlawrev-3950	514	16	from	from	ADP
inlawrev-3950	514	17	segregation	segregation	NOUN
inlawrev-3950	514	18	to	to	ADP
inlawrev-3950	514	19	integration	integration	NOUN
inlawrev-3950	514	20	is	be	AUX
inlawrev-3950	514	21	beyond	beyond	ADP
inlawrev-3950	514	22	the	the	DET
inlawrev-3950	514	23	scope	scope	NOUN
inlawrev-3950	514	24	of	of	ADP
inlawrev-3950	514	25	this	this	DET
inlawrev-3950	514	26	article	article	NOUN
inlawrev-3950	514	27	.	.	PUNCT
inlawrev-3950	515	1	that	that	PRON
inlawrev-3950	515	2	said	say	VERB
inlawrev-3950	515	3	,	,	PUNCT
inlawrev-3950	515	4	and	and	CCONJ
inlawrev-3950	515	5	recognizing	recognize	VERB
inlawrev-3950	515	6	the	the	DET
inlawrev-3950	515	7	limitations	limitation	NOUN
inlawrev-3950	515	8	of	of	ADP
inlawrev-3950	515	9	law	law	NOUN
inlawrev-3950	515	10	in	in	ADP
inlawrev-3950	515	11	legislating	legislate	VERB
inlawrev-3950	515	12	a	a	DET
inlawrev-3950	515	13	solution	solution	NOUN
inlawrev-3950	515	14	to	to	ADP
inlawrev-3950	515	15	this	this	DET
inlawrev-3950	515	16	problem	problem	NOUN
inlawrev-3950	515	17	,	,	PUNCT
inlawrev-3950	515	18	it	it	PRON
inlawrev-3950	515	19	is	be	AUX
inlawrev-3950	515	20	still	still	ADV
inlawrev-3950	515	21	important	important	ADJ
inlawrev-3950	515	22	to	to	PART
inlawrev-3950	515	23	understand	understand	VERB
inlawrev-3950	515	24	the	the	DET
inlawrev-3950	515	25	unique	unique	ADJ
inlawrev-3950	515	26	role	role	NOUN
inlawrev-3950	515	27	that	that	PRON
inlawrev-3950	515	28	the	the	DET
inlawrev-3950	515	29	fha	fha	PROPN
inlawrev-3950	515	30	can	can	AUX
inlawrev-3950	515	31	play	play	VERB
inlawrev-3950	515	32	at	at	ADP
inlawrev-3950	515	33	the	the	DET
inlawrev-3950	515	34	present	present	ADJ
inlawrev-3950	515	35	moment	moment	NOUN
inlawrev-3950	515	36	of	of	ADP
inlawrev-3950	515	37	economic	economic	ADJ
inlawrev-3950	515	38	crisis	crisis	NOUN
inlawrev-3950	515	39	to	to	PART
inlawrev-3950	515	40	preserve	preserve	VERB
inlawrev-3950	515	41	the	the	DET
inlawrev-3950	515	42	gains	gain	NOUN
inlawrev-3950	515	43	toward	toward	ADP
inlawrev-3950	515	44	integration	integration	NOUN
inlawrev-3950	515	45	that	that	PRON
inlawrev-3950	515	46	have	have	AUX
inlawrev-3950	515	47	been	be	AUX
inlawrev-3950	515	48	made	make	VERB
inlawrev-3950	515	49	,	,	PUNCT
inlawrev-3950	515	50	and	and	CCONJ
inlawrev-3950	515	51	position	position	VERB
inlawrev-3950	515	52	our	our	PRON
inlawrev-3950	515	53	cities	city	NOUN
inlawrev-3950	515	54	for	for	ADP
inlawrev-3950	515	55	future	future	ADJ
inlawrev-3950	515	56	progress	progress	NOUN
inlawrev-3950	515	57	.	.	PUNCT
inlawrev-3950	516	1	it	it	PRON
inlawrev-3950	516	2	is	be	AUX
inlawrev-3950	516	3	here	here	ADV
inlawrev-3950	516	4	that	that	SCONJ
inlawrev-3950	516	5	one	one	PRON
inlawrev-3950	516	6	must	must	AUX
inlawrev-3950	516	7	return	return	VERB
inlawrev-3950	516	8	to	to	ADP
inlawrev-3950	516	9	massey	massey	PROPN
inlawrev-3950	516	10	and	and	CCONJ
inlawrev-3950	516	11	denton	denton	PROPN
inlawrev-3950	516	12	's	's	PART
inlawrev-3950	516	13	seminal	seminal	ADJ
inlawrev-3950	516	14	insight	insight	NOUN
inlawrev-3950	516	15	about	about	ADP
inlawrev-3950	516	16	the	the	DET
inlawrev-3950	516	17	effects	effect	NOUN
inlawrev-3950	516	18	of	of	ADP
inlawrev-3950	516	19	hypersegregation	hypersegregation	NOUN
inlawrev-3950	516	20	on	on	ADP
inlawrev-3950	516	21	underserved	underserved	ADJ
inlawrev-3950	516	22	communities	community	NOUN
inlawrev-3950	516	23	.	.	PUNCT
inlawrev-3950	517	1	^^"^	^^"^	PROPN
inlawrev-3950	517	2	massey	massey	PROPN
inlawrev-3950	517	3	and	and	CCONJ
inlawrev-3950	517	4	denton	denton	PROPN
inlawrev-3950	517	5	's	's	PART
inlawrev-3950	517	6	work	work	NOUN
inlawrev-3950	517	7	focuses	focus	VERB
inlawrev-3950	517	8	on	on	ADP
inlawrev-3950	517	9	the	the	DET
inlawrev-3950	517	10	compounding	compound	VERB
inlawrev-3950	517	11	destructive	destructive	ADJ
inlawrev-3950	517	12	effect	effect	NOUN
inlawrev-3950	517	13	that	that	SCONJ
inlawrev-3950	517	14	spatial	spatial	ADJ
inlawrev-3950	517	15	segregation	segregation	NOUN
inlawrev-3950	517	16	has	have	VERB
inlawrev-3950	517	17	on	on	ADP
inlawrev-3950	517	18	distressed	distressed	ADJ
inlawrev-3950	517	19	inner	inner	ADJ
inlawrev-3950	517	20	city	city	NOUN
inlawrev-3950	517	21	neighborhoods	neighborhood	NOUN
inlawrev-3950	517	22	.	.	PUNCT
inlawrev-3950	518	1	concentrated	concentrated	ADJ
inlawrev-3950	518	2	segregation	segregation	NOUN
inlawrev-3950	518	3	,	,	PUNCT
inlawrev-3950	518	4	they	they	PRON
inlawrev-3950	518	5	argue	argue	VERB
inlawrev-3950	518	6	,	,	PUNCT
inlawrev-3950	518	7	makes	make	VERB
inlawrev-3950	518	8	it	it	PRON
inlawrev-3950	518	9	far	far	ADV
inlawrev-3950	518	10	less	less	ADV
inlawrev-3950	518	11	likely	likely	ADJ
inlawrev-3950	518	12	that	that	SCONJ
inlawrev-3950	518	13	transitional	transitional	ADJ
inlawrev-3950	518	14	neighborhoods	neighborhood	NOUN
inlawrev-3950	518	15	will	will	AUX
inlawrev-3950	518	16	be	be	AUX
inlawrev-3950	518	17	able	able	ADJ
inlawrev-3950	518	18	to	to	PART
inlawrev-3950	518	19	withstand	withstand	VERB
inlawrev-3950	518	20	a	a	DET
inlawrev-3950	518	21	downward	downward	ADJ
inlawrev-3950	518	22	spiral	spiral	NOUN
inlawrev-3950	518	23	should	should	AUX
inlawrev-3950	518	24	economic	economic	ADJ
inlawrev-3950	518	25	growth	growth	NOUN
inlawrev-3950	518	26	flatten	flatten	VERB
inlawrev-3950	518	27	or	or	CCONJ
inlawrev-3950	518	28	slow.^^^	slow.^^^	ADJ
inlawrev-3950	518	29	reverse	reverse	ADJ
inlawrev-3950	518	30	redlining	redline	VERB
inlawrev-3950	518	31	,	,	PUNCT
inlawrev-3950	518	32	in	in	ADP
inlawrev-3950	518	33	the	the	DET
inlawrev-3950	518	34	form	form	NOUN
inlawrev-3950	518	35	described	describe	VERB
inlawrev-3950	518	36	in	in	ADP
inlawrev-3950	518	37	parts	part	NOUN
inlawrev-3950	518	38	n	n	NOUN
inlawrev-3950	518	39	and	and	CCONJ
inlawrev-3950	518	40	hi	hi	INTJ
inlawrev-3950	518	41	above	above	ADV
inlawrev-3950	518	42	,	,	PUNCT
inlawrev-3950	518	43	contributes	contribute	VERB
inlawrev-3950	518	44	significantly	significantly	ADV
inlawrev-3950	518	45	to	to	ADP
inlawrev-3950	518	46	that	that	DET
inlawrev-3950	518	47	effect	effect	NOUN
inlawrev-3950	518	48	.	.	PUNCT
inlawrev-3950	519	1	targeting	target	VERB
inlawrev-3950	519	2	minority	minority	NOUN
inlawrev-3950	519	3	communities	community	NOUN
inlawrev-3950	519	4	for	for	ADP
inlawrev-3950	519	5	discriminatory	discriminatory	ADJ
inlawrev-3950	519	6	and	and	CCONJ
inlawrev-3950	519	7	irresponsible	irresponsible	ADJ
inlawrev-3950	519	8	lending	lending	NOUN
inlawrev-3950	519	9	practices	practice	NOUN
inlawrev-3950	519	10	depletes	deplete	VERB
inlawrev-3950	519	11	those	those	DET
inlawrev-3950	519	12	neighborhoods	neighborhood	NOUN
inlawrev-3950	519	13	of	of	ADP
inlawrev-3950	519	14	vitally	vitally	ADV
inlawrev-3950	519	15	needed	need	VERB
inlawrev-3950	519	16	capital	capital	NOUN
inlawrev-3950	519	17	.	.	PUNCT
inlawrev-3950	520	1	these	these	DET
inlawrev-3950	520	2	practices	practice	NOUN
inlawrev-3950	520	3	make	make	VERB
inlawrev-3950	520	4	it	it	PRON
inlawrev-3950	520	5	even	even	ADV
inlawrev-3950	520	6	less	less	ADV
inlawrev-3950	520	7	likely	likely	ADJ
inlawrev-3950	520	8	that	that	SCONJ
inlawrev-3950	520	9	communities	community	NOUN
inlawrev-3950	520	10	of	of	ADP
inlawrev-3950	520	11	color	color	NOUN
inlawrev-3950	520	12	will	will	AUX
inlawrev-3950	520	13	be	be	AUX
inlawrev-3950	520	14	able	able	ADJ
inlawrev-3950	520	15	to	to	PART
inlawrev-3950	520	16	survive	survive	VERB
inlawrev-3950	520	17	an	an	DET
inlawrev-3950	520	18	economic	economic	ADJ
inlawrev-3950	520	19	downturn	downturn	NOUN
inlawrev-3950	520	20	.	.	PUNCT
inlawrev-3950	521	1	they	they	PRON
inlawrev-3950	521	2	increase	increase	VERB
inlawrev-3950	521	3	the	the	DET
inlawrev-3950	521	4	likelihood	likelihood	NOUN
inlawrev-3950	521	5	that	that	SCONJ
inlawrev-3950	521	6	the	the	DET
inlawrev-3950	521	7	spiral	spiral	NOUN
inlawrev-3950	521	8	will	will	AUX
inlawrev-3950	521	9	be	be	AUX
inlawrev-3950	521	10	steep	steep	ADJ
inlawrev-3950	521	11	and	and	CCONJ
inlawrev-3950	521	12	difficult	difficult	ADJ
inlawrev-3950	521	13	to	to	PART
inlawrev-3950	521	14	stop	stop	VERB
inlawrev-3950	521	15	once	once	SCONJ
inlawrev-3950	521	16	it	it	PRON
inlawrev-3950	521	17	begins	begin	VERB
inlawrev-3950	521	18	.	.	PUNCT
inlawrev-3950	522	1	the	the	DET
inlawrev-3950	522	2	current	current	ADJ
inlawrev-3950	522	3	foreclosure	foreclosure	NOUN
inlawrev-3950	522	4	crisis	crisis	NOUN
inlawrev-3950	522	5	takes	take	VERB
inlawrev-3950	522	6	this	this	DET
inlawrev-3950	522	7	problem	problem	NOUN
inlawrev-3950	522	8	to	to	ADP
inlawrev-3950	522	9	a	a	DET
inlawrev-3950	522	10	new	new	ADJ
inlawrev-3950	522	11	level	level	NOUN
inlawrev-3950	522	12	.	.	PUNCT
inlawrev-3950	523	1	as	as	SCONJ
inlawrev-3950	523	2	noted	note	VERB
inlawrev-3950	523	3	above	above	ADV
inlawrev-3950	523	4	,	,	PUNCT
inlawrev-3950	523	5	recent	recent	ADJ
inlawrev-3950	523	6	studies	study	NOUN
inlawrev-3950	523	7	suggest	suggest	VERB
inlawrev-3950	523	8	that	that	SCONJ
inlawrev-3950	523	9	subprime	subprime	ADJ
inlawrev-3950	523	10	borrowers	borrower	NOUN
inlawrev-3950	523	11	of	of	ADP
inlawrev-3950	523	12	color	color	NOUN
inlawrev-3950	523	13	may	may	AUX
inlawrev-3950	523	14	lose	lose	VERB
inlawrev-3950	523	15	over	over	ADP
inlawrev-3950	523	16	$	$	SYM
inlawrev-3950	523	17	200	200	NUM
inlawrev-3950	523	18	billion	billion	NUM
inlawrev-3950	523	19	as	as	ADP
inlawrev-3950	523	20	a	a	DET
inlawrev-3950	523	21	result	result	NOUN
inlawrev-3950	523	22	of	of	ADP
inlawrev-3950	523	23	foreclosures	foreclosure	NOUN
inlawrev-3950	523	24	generated	generate	VERB
inlawrev-3950	523	25	by	by	ADP
inlawrev-3950	523	26	loans	loan	NOUN
inlawrev-3950	523	27	taken	take	VERB
inlawrev-3950	523	28	in	in	ADP
inlawrev-3950	523	29	the	the	DET
inlawrev-3950	523	30	last	last	ADJ
inlawrev-3950	523	31	eight	eight	NUM
inlawrev-3950	523	32	years	year	NOUN
inlawrev-3950	523	33	.	.	PUNCT
inlawrev-3950	524	1	^^^	^^^	ADP
inlawrev-3950	524	2	this	this	DET
inlawrev-3950	524	3	massive	massive	ADJ
inlawrev-3950	524	4	drain	drain	NOUN
inlawrev-3950	524	5	of	of	ADP
inlawrev-3950	524	6	equity	equity	NOUN
inlawrev-3950	524	7	from	from	ADP
inlawrev-3950	524	8	minority	minority	NOUN
inlawrev-3950	524	9	neighborhoods	neighborhood	NOUN
inlawrev-3950	524	10	will	will	AUX
inlawrev-3950	524	11	have	have	VERB
inlawrev-3950	524	12	the	the	DET
inlawrev-3950	524	13	effect	effect	NOUN
inlawrev-3950	524	14	of	of	ADP
inlawrev-3950	524	15	reinforcing	reinforce	VERB
inlawrev-3950	524	16	barriers	barrier	NOUN
inlawrev-3950	524	17	to	to	ADP
inlawrev-3950	524	18	integration	integration	NOUN
inlawrev-3950	524	19	by	by	ADP
inlawrev-3950	524	20	deepening	deepen	VERB
inlawrev-3950	524	21	and	and	CCONJ
inlawrev-3950	524	22	worsening	worsen	VERB
inlawrev-3950	524	23	spatial	spatial	ADJ
inlawrev-3950	524	24	segregation	segregation	NOUN
inlawrev-3950	524	25	.	.	PUNCT
inlawrev-3950	525	1	an	an	DET
inlawrev-3950	525	2	economic	economic	ADJ
inlawrev-3950	525	3	downturn	downturn	NOUN
inlawrev-3950	525	4	under	under	ADP
inlawrev-3950	525	5	these	these	DET
inlawrev-3950	525	6	conditions	condition	NOUN
inlawrev-3950	525	7	could	could	AUX
inlawrev-3950	525	8	lead	lead	VERB
inlawrev-3950	525	9	to	to	ADP
inlawrev-3950	525	10	a	a	DET
inlawrev-3950	525	11	downward	downward	ADJ
inlawrev-3950	525	12	spiral	spiral	NOUN
inlawrev-3950	525	13	of	of	ADP
inlawrev-3950	525	14	catastrophic	catastrophic	ADJ
inlawrev-3950	525	15	proportions	proportion	NOUN
inlawrev-3950	525	16	for	for	ADP
inlawrev-3950	525	17	many	many	ADJ
inlawrev-3950	525	18	distressed	distressed	ADJ
inlawrev-3950	525	19	and	and	CCONJ
inlawrev-3950	525	20	transitional	transitional	ADJ
inlawrev-3950	525	21	communities	community	NOUN
inlawrev-3950	525	22	of	of	ADP
inlawrev-3950	525	23	color	color	NOUN
inlawrev-3950	525	24	.	.	PUNCT
inlawrev-3950	526	1	there	there	PRON
inlawrev-3950	526	2	are	be	VERB
inlawrev-3950	526	3	two	two	NUM
inlawrev-3950	526	4	primary	primary	ADJ
inlawrev-3950	526	5	reasons	reason	NOUN
inlawrev-3950	526	6	why	why	SCONJ
inlawrev-3950	526	7	loss	loss	NOUN
inlawrev-3950	526	8	of	of	ADP
inlawrev-3950	526	9	equity	equity	NOUN
inlawrev-3950	526	10	will	will	AUX
inlawrev-3950	526	11	worsen	worsen	VERB
inlawrev-3950	526	12	spatial	spatial	ADJ
inlawrev-3950	526	13	segregation	segregation	NOUN
inlawrev-3950	526	14	.	.	PUNCT
inlawrev-3950	527	1	first	first	ADV
inlawrev-3950	527	2	,	,	PUNCT
inlawrev-3950	527	3	achieving	achieve	VERB
inlawrev-3950	527	4	integrated	integrated	ADJ
inlawrev-3950	527	5	living	living	NOUN
inlawrev-3950	527	6	patterns	pattern	NOUN
inlawrev-3950	527	7	depends	depend	VERB
inlawrev-3950	527	8	not	not	PART
inlawrev-3950	527	9	just	just	ADV
inlawrev-3950	527	10	on	on	ADP
inlawrev-3950	527	11	the	the	DET
inlawrev-3950	527	12	eradication	eradication	NOUN
inlawrev-3950	527	13	of	of	ADP
inlawrev-3950	527	14	legal	legal	ADJ
inlawrev-3950	527	15	barriers	barrier	NOUN
inlawrev-3950	527	16	to	to	ADP
inlawrev-3950	527	17	mobility	mobility	NOUN
inlawrev-3950	527	18	,	,	PUNCT
inlawrev-3950	527	19	but	but	CCONJ
inlawrev-3950	527	20	on	on	ADP
inlawrev-3950	527	21	having	have	VERB
inlawrev-3950	527	22	the	the	DET
inlawrev-3950	527	23	economic	economic	ADJ
inlawrev-3950	527	24	means	mean	NOUN
inlawrev-3950	527	25	to	to	PART
inlawrev-3950	527	26	pursue	pursue	VERB
inlawrev-3950	527	27	housing	housing	NOUN
inlawrev-3950	527	28	choice	choice	NOUN
inlawrev-3950	527	29	.	.	PUNCT
inlawrev-3950	528	1	the	the	DET
inlawrev-3950	528	2	current	current	ADJ
inlawrev-3950	528	3	foreclosure	foreclosure	NOUN
inlawrev-3950	528	4	crisis	crisis	NOUN
inlawrev-3950	528	5	threatens	threaten	VERB
inlawrev-3950	528	6	to	to	PART
inlawrev-3950	528	7	strip	strip	VERB
inlawrev-3950	528	8	thousands	thousand	NOUN
inlawrev-3950	528	9	of	of	ADP
inlawrev-3950	528	10	minority	minority	NOUN
inlawrev-3950	528	11	homeowners	homeowner	NOUN
inlawrev-3950	528	12	of	of	ADP
inlawrev-3950	528	13	the	the	DET
inlawrev-3950	528	14	very	very	ADV
inlawrev-3950	528	15	equity	equity	NOUN
inlawrev-3950	528	16	and	and	CCONJ
inlawrev-3950	528	17	asset	asset	NOUN
inlawrev-3950	528	18	that	that	SCONJ
inlawrev-3950	528	19	—	—	PUNCT
inlawrev-3950	528	20	in	in	ADP
inlawrev-3950	528	21	a	a	DET
inlawrev-3950	528	22	rising	rise	VERB
inlawrev-3950	528	23	market	market	NOUN
inlawrev-3950	528	24	—	—	PUNCT
inlawrev-3950	528	25	would	would	AUX
inlawrev-3950	528	26	allow	allow	VERB
inlawrev-3950	528	27	them	they	PRON
inlawrev-3950	528	28	to	to	PART
inlawrev-3950	528	29	move	move	VERB
inlawrev-3950	528	30	out	out	ADP
inlawrev-3950	528	31	ofpoorer	ofpoorer	NOUN
inlawrev-3950	528	32	,	,	PUNCT
inlawrev-3950	528	33	segregated	segregate	VERB
inlawrev-3950	528	34	neighborhoods	neighborhood	NOUN
inlawrev-3950	528	35	into	into	ADP
inlawrev-3950	528	36	areas	area	NOUN
inlawrev-3950	528	37	that	that	PRON
inlawrev-3950	528	38	show	show	VERB
inlawrev-3950	528	39	promise	promise	NOUN
inlawrev-3950	528	40	as	as	ADP
inlawrev-3950	528	41	stable	stable	ADJ
inlawrev-3950	528	42	,	,	PUNCT
inlawrev-3950	528	43	integrated	integrated	ADJ
inlawrev-3950	528	44	communities	community	NOUN
inlawrev-3950	528	45	.	.	PUNCT
inlawrev-3950	529	1	at	at	ADP
inlawrev-3950	529	2	the	the	DET
inlawrev-3950	529	3	same	same	ADJ
inlawrev-3950	529	4	time	time	NOUN
inlawrev-3950	529	5	that	that	PRON
inlawrev-3950	529	6	foreclosures	foreclosures	AUX
inlawrev-3950	529	7	strip	strip	VERB
inlawrev-3950	529	8	those	those	PRON
inlawrev-3950	529	9	caught	catch	VERB
inlawrev-3950	529	10	in	in	ADP
inlawrev-3950	529	11	segregated	segregated	ADJ
inlawrev-3950	529	12	neighborhoods	neighborhood	NOUN
inlawrev-3950	529	13	of	of	ADP
inlawrev-3950	529	14	the	the	DET
inlawrev-3950	529	15	mobility	mobility	NOUN
inlawrev-3950	529	16	to	to	PART
inlawrev-3950	529	17	move	move	VERB
inlawrev-3950	529	18	out	out	ADV
inlawrev-3950	529	19	,	,	PUNCT
inlawrev-3950	529	20	they	they	PRON
inlawrev-3950	529	21	also	also	ADV
inlawrev-3950	529	22	raise	raise	VERB
inlawrev-3950	529	23	barriers	barrier	NOUN
inlawrev-3950	529	24	to	to	ADP
inlawrev-3950	529	25	the	the	DET
inlawrev-3950	529	26	movement	movement	NOUN
inlawrev-3950	529	27	of	of	ADP
inlawrev-3950	529	28	much	much	ADV
inlawrev-3950	529	29	needed	need	VERB
inlawrev-3950	529	30	capital	capital	NOUN
inlawrev-3950	529	31	into	into	ADP
inlawrev-3950	529	32	segregated	segregated	ADJ
inlawrev-3950	529	33	communities	community	NOUN
inlawrev-3950	529	34	.	.	PUNCT
inlawrev-3950	530	1	foreclosures	foreclosure	NOUN
inlawrev-3950	530	2	mean	mean	VERB
inlawrev-3950	530	3	abandoned	abandon	VERB
inlawrev-3950	530	4	homes	home	NOUN
inlawrev-3950	530	5	;	;	PUNCT
inlawrev-3950	530	6	increased	increase	VERB
inlawrev-3950	530	7	risks	risk	NOUN
inlawrev-3950	530	8	of	of	ADP
inlawrev-3950	530	9	fire	fire	NOUN
inlawrev-3950	530	10	,	,	PUNCT
inlawrev-3950	530	11	crime	crime	NOUN
inlawrev-3950	530	12	,	,	PUNCT
inlawrev-3950	530	13	and	and	CCONJ
inlawrev-3950	530	14	drugs	drug	NOUN
inlawrev-3950	530	15	;	;	PUNCT
inlawrev-3950	530	16	increases	increase	NOUN
inlawrev-3950	530	17	in	in	ADP
inlawrev-3950	530	18	homelessness	homelessness	NOUN
inlawrev-3950	530	19	and	and	CCONJ
inlawrev-3950	530	20	job	job	NOUN
inlawrev-3950	530	21	loss	loss	NOUN
inlawrev-3950	530	22	;	;	PUNCT
inlawrev-3950	530	23	deterioration	deterioration	NOUN
inlawrev-3950	530	24	of	of	ADP
inlawrev-3950	530	25	schools	school	NOUN
inlawrev-3950	530	26	;	;	PUNCT
inlawrev-3950	530	27	and	and	CCONJ
inlawrev-3950	530	28	a	a	DET
inlawrev-3950	530	29	crippling	crippling	ADJ
inlawrev-3950	530	30	shortage	shortage	NOUN
inlawrev-3950	530	31	of	of	ADP
inlawrev-3950	530	32	1	1	NUM
inlawrev-3950	530	33	34	34	NUM
inlawrev-3950	530	34	.	.	PUNCT
inlawrev-3950	531	1	see	see	VERB
inlawrev-3950	531	2	generally	generally	ADV
inlawrev-3950	531	3	massey	massey	PROPN
inlawrev-3950	531	4	&	&	CCONJ
inlawrev-3950	531	5	denton	denton	PROPN
inlawrev-3950	531	6	,	,	PUNCT
inlawrev-3950	531	7	supra	supra	PROPN
inlawrev-3950	531	8	note	note	NOUN
inlawrev-3950	531	9	1	1	NUM
inlawrev-3950	531	10	.	.	PUNCT
inlawrev-3950	531	11	135	135	NUM
inlawrev-3950	531	12	.	.	PUNCT
inlawrev-3950	532	1	id.atl4	id.atl4	PROPN
inlawrev-3950	532	2	-	-	PUNCT
inlawrev-3950	532	3	n	n	CCONJ
inlawrev-3950	532	4	,	,	PUNCT
inlawrev-3950	532	5	118	118	NUM
inlawrev-3950	532	6	-	-	SYM
inlawrev-3950	532	7	30	30	NUM
inlawrev-3950	532	8	.	.	NOUN
inlawrev-3950	532	9	1	1	NUM
inlawrev-3950	532	10	36	36	NUM
inlawrev-3950	532	11	.	.	PUNCT
inlawrev-3950	533	1	rivera	rivera	PROPN
inlawrev-3950	533	2	et	et	PROPN
inlawrev-3950	533	3	al	al	PROPN
inlawrev-3950	533	4	.	.	PROPN
inlawrev-3950	533	5	,	,	PUNCT
inlawrev-3950	533	6	supra	supra	PROPN
inlawrev-3950	533	7	note	note	NOUN
inlawrev-3950	533	8	48	48	NUM
inlawrev-3950	533	9	,	,	PUNCT
inlawrev-3950	533	10	at	at	ADP
inlawrev-3950	533	11	1	1	NUM
inlawrev-3950	533	12	.	.	PUNCT
inlawrev-3950	533	13	2008	2008	NUM
inlawrev-3950	533	14	]	]	PUNCT
inlawrev-3950	534	1	future	future	NOUN
inlawrev-3950	534	2	of	of	ADP
inlawrev-3950	534	3	the	the	DET
inlawrev-3950	534	4	fair	fair	ADJ
inlawrev-3950	534	5	housing	housing	PROPN
inlawrev-3950	534	6	act	act	NOUN
inlawrev-3950	534	7	65	65	NUM
inlawrev-3950	534	8	1	1	NUM
inlawrev-3950	534	9	city	city	NOUN
inlawrev-3950	534	10	funds	fund	NOUN
inlawrev-3950	534	11	for	for	ADP
inlawrev-3950	534	12	existing	exist	VERB
inlawrev-3950	534	13	social	social	ADJ
inlawrev-3950	534	14	programs	program	NOUN
inlawrev-3950	534	15	.	.	PUNCT
inlawrev-3950	535	1	'	'	PUNCT
inlawrev-3950	535	2	^^	^^	NUM
inlawrev-3950	535	3	foreclosures	foreclosure	NOUN
inlawrev-3950	535	4	turn	turn	VERB
inlawrev-3950	535	5	these	these	DET
inlawrev-3950	535	6	communities	community	NOUN
inlawrev-3950	535	7	into	into	ADP
inlawrev-3950	535	8	a	a	DET
inlawrev-3950	535	9	"	"	PUNCT
inlawrev-3950	535	10	third	third	ADJ
inlawrev-3950	535	11	rail	rail	NOUN
inlawrev-3950	535	12	"	"	PUNCT
inlawrev-3950	535	13	for	for	ADP
inlawrev-3950	535	14	private	private	ADJ
inlawrev-3950	535	15	investment	investment	NOUN
inlawrev-3950	535	16	dollars	dollar	NOUN
inlawrev-3950	535	17	,	,	PUNCT
inlawrev-3950	535	18	effectively	effectively	ADV
inlawrev-3950	535	19	shutting	shut	VERB
inlawrev-3950	535	20	down	down	ADP
inlawrev-3950	535	21	mobility	mobility	NOUN
inlawrev-3950	535	22	ofboth	ofboth	ADJ
inlawrev-3950	535	23	residential	residential	ADJ
inlawrev-3950	535	24	buyers	buyer	NOUN
inlawrev-3950	535	25	and	and	CCONJ
inlawrev-3950	535	26	business	business	NOUN
inlawrev-3950	535	27	equity	equity	NOUN
inlawrev-3950	535	28	into	into	ADP
inlawrev-3950	535	29	these	these	DET
inlawrev-3950	535	30	neighborhoods	neighborhood	NOUN
inlawrev-3950	535	31	.	.	PUNCT
inlawrev-3950	536	1	where	where	SCONJ
inlawrev-3950	536	2	rising	rise	VERB
inlawrev-3950	536	3	property	property	NOUN
inlawrev-3950	536	4	values	value	NOUN
inlawrev-3950	536	5	increase	increase	VERB
inlawrev-3950	536	6	the	the	DET
inlawrev-3950	536	7	likelihood	likelihood	NOUN
inlawrev-3950	536	8	that	that	SCONJ
inlawrev-3950	536	9	investors	investor	NOUN
inlawrev-3950	536	10	will	will	AUX
inlawrev-3950	536	11	break	break	VERB
inlawrev-3950	536	12	the	the	DET
inlawrev-3950	536	13	color	color	NOUN
inlawrev-3950	536	14	line	line	NOUN
inlawrev-3950	536	15	,	,	PUNCT
inlawrev-3950	536	16	falling	fall	VERB
inlawrev-3950	536	17	property	property	NOUN
inlawrev-3950	536	18	values	value	NOUN
inlawrev-3950	536	19	ensure	ensure	VERB
inlawrev-3950	536	20	the	the	DET
inlawrev-3950	536	21	opposite	opposite	NOUN
inlawrev-3950	536	22	.	.	PUNCT
inlawrev-3950	537	1	less	less	ADJ
inlawrev-3950	537	2	mobility	mobility	NOUN
inlawrev-3950	537	3	into	into	ADP
inlawrev-3950	537	4	transitional	transitional	ADJ
inlawrev-3950	537	5	neighborhoods	neighborhood	NOUN
inlawrev-3950	537	6	accelerates	accelerate	VERB
inlawrev-3950	537	7	the	the	DET
inlawrev-3950	537	8	downward	downward	ADJ
inlawrev-3950	537	9	spiral	spiral	NOUN
inlawrev-3950	537	10	in	in	ADP
inlawrev-3950	537	11	a	a	DET
inlawrev-3950	537	12	way	way	NOUN
inlawrev-3950	537	13	that	that	PRON
inlawrev-3950	537	14	reinforces	reinforce	VERB
inlawrev-3950	537	15	existing	exist	VERB
inlawrev-3950	537	16	lines	line	NOUN
inlawrev-3950	537	17	of	of	ADP
inlawrev-3950	537	18	racial	racial	ADJ
inlawrev-3950	537	19	separation	separation	NOUN
inlawrev-3950	537	20	.	.	PUNCT
inlawrev-3950	538	1	c.	c.	NOUN
inlawrev-3950	539	1	the	the	DET
inlawrev-3950	539	2	path	path	NOUN
inlawrev-3950	539	3	forward	forward	PROPN
inlawrev-3950	539	4	america	america	PROPN
inlawrev-3950	539	5	's	's	PART
inlawrev-3950	539	6	mayors	mayor	NOUN
inlawrev-3950	539	7	and	and	CCONJ
inlawrev-3950	539	8	city	city	NOUN
inlawrev-3950	539	9	councils	council	NOUN
inlawrev-3950	539	10	see	see	VERB
inlawrev-3950	539	11	all	all	ADV
inlawrev-3950	539	12	too	too	ADV
inlawrev-3950	539	13	well	well	ADV
inlawrev-3950	539	14	what	what	PRON
inlawrev-3950	539	15	is	be	AUX
inlawrev-3950	539	16	happening	happen	VERB
inlawrev-3950	539	17	to	to	ADP
inlawrev-3950	539	18	their	their	PRON
inlawrev-3950	539	19	communities	community	NOUN
inlawrev-3950	539	20	of	of	ADP
inlawrev-3950	539	21	color	color	NOUN
inlawrev-3950	539	22	.	.	PUNCT
inlawrev-3950	540	1	the	the	DET
inlawrev-3950	540	2	foreclosure	foreclosure	NOUN
inlawrev-3950	540	3	rate	rate	NOUN
inlawrev-3950	540	4	in	in	ADP
inlawrev-3950	540	5	most	most	ADJ
inlawrev-3950	540	6	cities	city	NOUN
inlawrev-3950	540	7	is	be	AUX
inlawrev-3950	540	8	expected	expect	VERB
inlawrev-3950	540	9	to	to	PART
inlawrev-3950	540	10	grow	grow	VERB
inlawrev-3950	540	11	worse	bad	ADJ
inlawrev-3950	540	12	,	,	PUNCT
inlawrev-3950	540	13	not	not	PART
inlawrev-3950	540	14	better	well	ADJ
inlawrev-3950	540	15	,	,	PUNCT
inlawrev-3950	540	16	over	over	ADP
inlawrev-3950	540	17	the	the	DET
inlawrev-3950	540	18	next	next	ADJ
inlawrev-3950	540	19	eighteen	eighteen	NUM
inlawrev-3950	540	20	months	month	NOUN
inlawrev-3950	540	21	.	.	PUNCT
inlawrev-3950	541	1	'	'	PUNCT
inlawrev-3950	541	2	^^	^^	PUNCT
inlawrev-3950	541	3	taxpayer	taxpayer	NOUN
inlawrev-3950	541	4	monies	monie	NOUN
inlawrev-3950	541	5	that	that	PRON
inlawrev-3950	541	6	have	have	AUX
inlawrev-3950	541	7	been	be	AUX
inlawrev-3950	541	8	invested	invest	VERB
inlawrev-3950	541	9	in	in	ADP
inlawrev-3950	541	10	social	social	ADJ
inlawrev-3950	541	11	programs	program	NOUN
inlawrev-3950	541	12	designed	design	VERB
inlawrev-3950	541	13	to	to	PART
inlawrev-3950	541	14	stabilize	stabilize	VERB
inlawrev-3950	541	15	transitional	transitional	ADJ
inlawrev-3950	541	16	neighborhoods	neighborhood	NOUN
inlawrev-3950	541	17	over	over	ADP
inlawrev-3950	541	18	the	the	DET
inlawrev-3950	541	19	last	last	ADJ
inlawrev-3950	541	20	decade	decade	NOUN
inlawrev-3950	541	21	are	be	AUX
inlawrev-3950	541	22	at	at	ADP
inlawrev-3950	541	23	risk	risk	NOUN
inlawrev-3950	541	24	.	.	PUNCT
inlawrev-3950	542	1	'^^	'^^	PROPN
inlawrev-3950	542	2	city	city	NOUN
inlawrev-3950	542	3	budgets	budget	NOUN
inlawrev-3950	542	4	,	,	PUNCT
inlawrev-3950	542	5	faced	face	VERB
inlawrev-3950	542	6	with	with	ADP
inlawrev-3950	542	7	lost	lost	ADJ
inlawrev-3950	542	8	revenues	revenue	NOUN
inlawrev-3950	542	9	and	and	CCONJ
inlawrev-3950	542	10	foreclosure	foreclosure	NOUN
inlawrev-3950	542	11	-	-	PUNCT
inlawrev-3950	542	12	related	relate	VERB
inlawrev-3950	542	13	expenses	expense	NOUN
inlawrev-3950	542	14	,	,	PUNCT
inlawrev-3950	542	15	are	be	AUX
inlawrev-3950	542	16	at	at	ADP
inlawrev-3950	542	17	risk	risk	NOUN
inlawrev-3950	542	18	.	.	PUNCT
inlawrev-3950	543	1	most	most	ADV
inlawrev-3950	543	2	important	important	ADJ
inlawrev-3950	543	3	,	,	PUNCT
inlawrev-3950	543	4	decades	decade	NOUN
inlawrev-3950	543	5	of	of	ADP
inlawrev-3950	543	6	tentative	tentative	ADJ
inlawrev-3950	543	7	progress	progress	NOUN
inlawrev-3950	543	8	toward	toward	ADP
inlawrev-3950	543	9	integrated	integrate	VERB
inlawrev-3950	543	10	living	living	NOUN
inlawrev-3950	543	11	patterns	pattern	NOUN
inlawrev-3950	543	12	are	be	AUX
inlawrev-3950	543	13	at	at	ADP
inlawrev-3950	543	14	risk	risk	NOUN
inlawrev-3950	543	15	.	.	PUNCT
inlawrev-3950	544	1	once	once	ADV
inlawrev-3950	544	2	erased	erase	VERB
inlawrev-3950	544	3	,	,	PUNCT
inlawrev-3950	544	4	these	these	DET
inlawrev-3950	544	5	gains	gain	NOUN
inlawrev-3950	544	6	will	will	AUX
inlawrev-3950	544	7	take	take	VERB
inlawrev-3950	544	8	decades	decade	NOUN
inlawrev-3950	544	9	to	to	PART
inlawrev-3950	544	10	restore	restore	VERB
inlawrev-3950	544	11	.	.	PUNCT
inlawrev-3950	545	1	the	the	DET
inlawrev-3950	545	2	first	first	ADJ
inlawrev-3950	545	3	step	step	NOUN
inlawrev-3950	545	4	in	in	ADP
inlawrev-3950	545	5	addressing	address	VERB
inlawrev-3950	545	6	this	this	DET
inlawrev-3950	545	7	crisis	crisis	NOUN
inlawrev-3950	545	8	is	be	AUX
inlawrev-3950	545	9	to	to	PART
inlawrev-3950	545	10	stop	stop	VERB
inlawrev-3950	545	11	the	the	DET
inlawrev-3950	545	12	hemorrhaging	hemorrhaging	NOUN
inlawrev-3950	545	13	by	by	ADP
inlawrev-3950	545	14	stabilizing	stabilize	VERB
inlawrev-3950	545	15	communities	community	NOUN
inlawrev-3950	545	16	of	of	ADP
inlawrev-3950	545	17	color	color	NOUN
inlawrev-3950	545	18	that	that	PRON
inlawrev-3950	545	19	have	have	AUX
inlawrev-3950	545	20	been	be	AUX
inlawrev-3950	545	21	hit	hit	VERB
inlawrev-3950	545	22	the	the	DET
inlawrev-3950	545	23	hardest	hard	ADJ
inlawrev-3950	545	24	.	.	PUNCT
inlawrev-3950	546	1	this	this	PRON
inlawrev-3950	546	2	requires	require	VERB
inlawrev-3950	546	3	an	an	DET
inlawrev-3950	546	4	immediate	immediate	ADJ
inlawrev-3950	546	5	investment	investment	NOUN
inlawrev-3950	546	6	of	of	ADP
inlawrev-3950	546	7	capital	capital	NOUN
inlawrev-3950	546	8	in	in	ADP
inlawrev-3950	546	9	these	these	DET
inlawrev-3950	546	10	communities	community	NOUN
inlawrev-3950	546	11	to	to	PART
inlawrev-3950	546	12	prevent	prevent	VERB
inlawrev-3950	546	13	the	the	DET
inlawrev-3950	546	14	declining	decline	VERB
inlawrev-3950	546	15	spiral	spiral	NOUN
inlawrev-3950	546	16	from	from	ADP
inlawrev-3950	546	17	accelerating	accelerate	VERB
inlawrev-3950	546	18	.	.	PUNCT
inlawrev-3950	547	1	if	if	SCONJ
inlawrev-3950	547	2	transitional	transitional	ADJ
inlawrev-3950	547	3	neighborhoods	neighborhood	NOUN
inlawrev-3950	547	4	can	can	AUX
inlawrev-3950	547	5	ride	ride	VERB
inlawrev-3950	547	6	out	out	ADP
inlawrev-3950	547	7	the	the	DET
inlawrev-3950	547	8	foreclosure	foreclosure	NOUN
inlawrev-3950	547	9	storm	storm	NOUN
inlawrev-3950	547	10	without	without	ADP
inlawrev-3950	547	11	succumbing	succumb	VERB
inlawrev-3950	547	12	to	to	PART
inlawrev-3950	547	13	complete	complete	VERB
inlawrev-3950	547	14	economic	economic	ADJ
inlawrev-3950	547	15	collapse	collapse	NOUN
inlawrev-3950	547	16	,	,	PUNCT
inlawrev-3950	547	17	hope	hope	NOUN
inlawrev-3950	547	18	remains	remain	VERB
inlawrev-3950	547	19	.	.	PUNCT
inlawrev-3950	548	1	the	the	DET
inlawrev-3950	548	2	danger	danger	NOUN
inlawrev-3950	548	3	,	,	PUNCT
inlawrev-3950	548	4	of	of	ADP
inlawrev-3950	548	5	course	course	NOUN
inlawrev-3950	548	6	,	,	PUNCT
inlawrev-3950	548	7	is	be	AUX
inlawrev-3950	548	8	that	that	SCONJ
inlawrev-3950	548	9	foreclosures	foreclosure	NOUN
inlawrev-3950	548	10	will	will	AUX
inlawrev-3950	548	11	reach	reach	VERB
inlawrev-3950	548	12	a	a	DET
inlawrev-3950	548	13	tipping	tipping	NOUN
inlawrev-3950	548	14	point	point	NOUN
inlawrev-3950	548	15	in	in	ADP
inlawrev-3950	548	16	certain	certain	ADJ
inlawrev-3950	548	17	communities	community	NOUN
inlawrev-3950	548	18	that	that	PRON
inlawrev-3950	548	19	will	will	AUX
inlawrev-3950	548	20	place	place	VERB
inlawrev-3950	548	21	them	they	PRON
inlawrev-3950	548	22	beyond	beyond	ADP
inlawrev-3950	548	23	repair	repair	NOUN
inlawrev-3950	548	24	and	and	CCONJ
inlawrev-3950	548	25	leave	leave	VERB
inlawrev-3950	548	26	them	they	PRON
inlawrev-3950	548	27	hopelessly	hopelessly	ADV
inlawrev-3950	548	28	hypersegregated	hypersegregated	ADJ
inlawrev-3950	548	29	and	and	CCONJ
inlawrev-3950	548	30	economically	economically	ADV
inlawrev-3950	548	31	deprived	deprive	VERB
inlawrev-3950	548	32	for	for	ADP
inlawrev-3950	548	33	years	year	NOUN
inlawrev-3950	548	34	to	to	PART
inlawrev-3950	548	35	come	come	VERB
inlawrev-3950	548	36	.	.	PUNCT
inlawrev-3950	549	1	it	it	PRON
inlawrev-3950	549	2	is	be	AUX
inlawrev-3950	549	3	here	here	ADV
inlawrev-3950	549	4	,	,	PUNCT
inlawrev-3950	549	5	on	on	ADP
inlawrev-3950	549	6	the	the	DET
inlawrev-3950	549	7	fortieth	fortieth	ADJ
inlawrev-3950	549	8	anniversary	anniversary	NOUN
inlawrev-3950	549	9	of	of	ADP
inlawrev-3950	549	10	its	its	PRON
inlawrev-3950	549	11	passage	passage	NOUN
inlawrev-3950	549	12	,	,	PUNCT
inlawrev-3950	549	13	that	that	SCONJ
inlawrev-3950	549	14	the	the	DET
inlawrev-3950	549	15	fha	fha	PROPN
inlawrev-3950	549	16	has	have	VERB
inlawrev-3950	549	17	an	an	DET
inlawrev-3950	549	18	opportunity	opportunity	NOUN
inlawrev-3950	549	19	to	to	PART
inlawrev-3950	549	20	play	play	VERB
inlawrev-3950	549	21	a	a	DET
inlawrev-3950	549	22	vitally	vitally	ADV
inlawrev-3950	549	23	important	important	ADJ
inlawrev-3950	549	24	role	role	NOUN
inlawrev-3950	549	25	in	in	ADP
inlawrev-3950	549	26	furthering	further	VERB
inlawrev-3950	549	27	its	its	PRON
inlawrev-3950	549	28	noble	noble	ADJ
inlawrev-3950	549	29	goal	goal	NOUN
inlawrev-3950	549	30	of	of	ADP
inlawrev-3950	549	31	integration	integration	NOUN
inlawrev-3950	549	32	.	.	PUNCT
inlawrev-3950	550	1	the	the	DET
inlawrev-3950	550	2	baltimore	baltimore	PROPN
inlawrev-3950	550	3	litigation	litigation	PROPN
inlawrev-3950	550	4	provides	provide	VERB
inlawrev-3950	550	5	a	a	DET
inlawrev-3950	550	6	template	template	NOUN
inlawrev-3950	550	7	for	for	ADP
inlawrev-3950	550	8	america	america	PROPN
inlawrev-3950	550	9	's	's	PART
inlawrev-3950	550	10	cities	city	NOUN
inlawrev-3950	550	11	to	to	PART
inlawrev-3950	550	12	take	take	VERB
inlawrev-3950	550	13	the	the	DET
inlawrev-3950	550	14	all	all	PRON
inlawrev-3950	550	15	important	important	ADJ
inlawrev-3950	550	16	first	first	ADJ
inlawrev-3950	550	17	step	step	NOUN
inlawrev-3950	550	18	toward	toward	ADP
inlawrev-3950	550	19	stabilizing	stabilize	VERB
inlawrev-3950	550	20	communities	community	NOUN
inlawrev-3950	550	21	of	of	ADP
inlawrev-3950	550	22	color	color	NOUN
inlawrev-3950	550	23	that	that	PRON
inlawrev-3950	550	24	have	have	AUX
inlawrev-3950	550	25	been	be	AUX
inlawrev-3950	550	26	victimized	victimize	VERB
inlawrev-3950	550	27	by	by	ADP
inlawrev-3950	550	28	reverse	reverse	ADJ
inlawrev-3950	550	29	redlining	redline	VERB
inlawrev-3950	550	30	and	and	CCONJ
inlawrev-3950	550	31	unnecessarily	unnecessarily	ADV
inlawrev-3950	550	32	high	high	ADJ
inlawrev-3950	550	33	rates	rate	NOUN
inlawrev-3950	550	34	of	of	ADP
inlawrev-3950	550	35	foreclosure	foreclosure	NOUN
inlawrev-3950	550	36	.	.	PUNCT
inlawrev-3950	551	1	in	in	ADP
inlawrev-3950	551	2	a	a	DET
inlawrev-3950	551	3	declining	decline	VERB
inlawrev-3950	551	4	economy	economy	NOUN
inlawrev-3950	551	5	,	,	PUNCT
inlawrev-3950	551	6	america	america	PROPN
inlawrev-3950	551	7	's	's	PART
inlawrev-3950	551	8	cities	city	NOUN
inlawrev-3950	551	9	face	face	VERB
inlawrev-3950	551	10	mounting	mount	VERB
inlawrev-3950	551	11	budget	budget	NOUN
inlawrev-3950	551	12	deficits	deficit	NOUN
inlawrev-3950	551	13	.	.	PUNCT
inlawrev-3950	552	1	severely	severely	ADV
inlawrev-3950	552	2	damaged	damage	VERB
inlawrev-3950	552	3	by	by	ADP
inlawrev-3950	552	4	the	the	DET
inlawrev-3950	552	5	foreclosure	foreclosure	NOUN
inlawrev-3950	552	6	crisis	crisis	NOUN
inlawrev-3950	552	7	,	,	PUNCT
inlawrev-3950	552	8	most	most	ADJ
inlawrev-3950	552	9	cities	city	NOUN
inlawrev-3950	552	10	do	do	AUX
inlawrev-3950	552	11	not	not	PART
inlawrev-3950	552	12	have	have	VERB
inlawrev-3950	552	13	the	the	DET
inlawrev-3950	552	14	funds	fund	NOUN
inlawrev-3950	552	15	to	to	PART
inlawrev-3950	552	16	plow	plow	VERB
inlawrev-3950	552	17	back	back	ADV
inlawrev-3950	552	18	into	into	ADP
inlawrev-3950	552	19	damaged	damage	VERB
inlawrev-3950	552	20	neighborhoods	neighborhood	NOUN
inlawrev-3950	552	21	.	.	PUNCT
inlawrev-3950	553	1	by	by	ADP
inlawrev-3950	553	2	focusing	focus	VERB
inlawrev-3950	553	3	on	on	ADP
inlawrev-3950	553	4	lenders	lender	NOUN
inlawrev-3950	553	5	who	who	PRON
inlawrev-3950	553	6	have	have	AUX
inlawrev-3950	553	7	engaged	engage	VERB
inlawrev-3950	553	8	in	in	ADP
inlawrev-3950	553	9	practices	practice	NOUN
inlawrev-3950	553	10	that	that	PRON
inlawrev-3950	553	11	violate	violate	VERB
inlawrev-3950	553	12	the	the	DET
inlawrev-3950	553	13	fha	fha	PROPN
inlawrev-3950	553	14	,	,	PUNCT
inlawrev-3950	553	15	litigation	litigation	NOUN
inlawrev-3950	553	16	of	of	ADP
inlawrev-3950	553	17	the	the	DET
inlawrev-3950	553	18	type	type	NOUN
inlawrev-3950	553	19	being	be	AUX
inlawrev-3950	553	20	pursued	pursue	VERB
inlawrev-3950	553	21	by	by	ADP
inlawrev-3950	553	22	the	the	DET
inlawrev-3950	553	23	city	city	NOUN
inlawrev-3950	553	24	of	of	ADP
inlawrev-3950	553	25	baltimore	baltimore	PROPN
inlawrev-3950	553	26	has	have	VERB
inlawrev-3950	553	27	the	the	DET
inlawrev-3950	553	28	ability	ability	NOUN
inlawrev-3950	553	29	to	to	PART
inlawrev-3950	553	30	force	force	VERB
inlawrev-3950	553	31	private	private	ADJ
inlawrev-3950	553	32	corporations	corporation	NOUN
inlawrev-3950	553	33	who	who	PRON
inlawrev-3950	553	34	profited	profit	VERB
inlawrev-3950	553	35	137	137	NUM
inlawrev-3950	553	36	.	.	PUNCT
inlawrev-3950	554	1	see	see	VERB
inlawrev-3950	554	2	supra	supra	PROPN
inlawrev-3950	554	3	notes	note	VERB
inlawrev-3950	554	4	108	108	NUM
inlawrev-3950	554	5	-	-	SYM
inlawrev-3950	554	6	15	15	NUM
inlawrev-3950	554	7	and	and	CCONJ
inlawrev-3950	554	8	accompanying	accompany	VERB
inlawrev-3950	554	9	text	text	NOUN
inlawrev-3950	554	10	.	.	PUNCT
inlawrev-3950	555	1	138	138	NUM
inlawrev-3950	555	2	.	.	PUNCT
inlawrev-3950	556	1	see	see	VERB
inlawrev-3950	556	2	the	the	DET
inlawrev-3950	556	3	looming	loom	VERB
inlawrev-3950	556	4	foreclosure	foreclosure	NOUN
inlawrev-3950	556	5	crisis	crisis	NOUN
inlawrev-3950	556	6	:	:	PUNCT
inlawrev-3950	556	7	how	how	SCONJ
inlawrev-3950	556	8	to	to	PART
inlawrev-3950	556	9	help	help	VERB
inlawrev-3950	556	10	families	family	NOUN
inlawrev-3950	556	11	save	save	VERB
inlawrev-3950	556	12	their	their	PRON
inlawrev-3950	556	13	homes	home	NOUN
inlawrev-3950	556	14	:	:	PUNCT
inlawrev-3950	556	15	hearing	hear	VERB
inlawrev-3950	556	16	before	before	ADP
inlawrev-3950	556	17	the	the	DET
inlawrev-3950	556	18	s.	s.	PROPN
inlawrev-3950	556	19	comm	comm	NOUN
inlawrev-3950	556	20	.	.	PUNCT
inlawrev-3950	557	1	on	on	ADP
inlawrev-3950	557	2	the	the	DET
inlawrev-3950	557	3	judiciary	judiciary	NOUN
inlawrev-3950	557	4	,	,	PUNCT
inlawrev-3950	557	5	1	1	NUM
inlawrev-3950	557	6	10th	10th	NOUN
inlawrev-3950	557	7	cong	cong	NOUN
inlawrev-3950	557	8	.	.	PUNCT
inlawrev-3950	558	1	(	(	PUNCT
inlawrev-3950	558	2	2007	2007	NUM
inlawrev-3950	558	3	)	)	PUNCT
inlawrev-3950	558	4	(	(	PUNCT
inlawrev-3950	558	5	written	write	VERB
inlawrev-3950	558	6	testimony	testimony	NOUN
inlawrev-3950	558	7	ofmark	ofmark	VERB
inlawrev-3950	558	8	zandi	zandi	NOUN
inlawrev-3950	558	9	,	,	PUNCT
inlawrev-3950	558	10	chief	chief	ADJ
inlawrev-3950	558	11	economist	economist	NOUN
inlawrev-3950	558	12	,	,	PUNCT
inlawrev-3950	558	13	moody	moody	PROPN
inlawrev-3950	558	14	's	's	PART
inlawrev-3950	558	15	economy.com	economy.com	X
inlawrev-3950	558	16	)	)	PUNCT
inlawrev-3950	558	17	(	(	PUNCT
inlawrev-3950	558	18	"	"	PUNCT
inlawrev-3950	558	19	[	[	X
inlawrev-3950	558	20	r]esidential	r]esidential	ADJ
inlawrev-3950	558	21	mortgage	mortgage	NOUN
inlawrev-3950	558	22	loan	loan	NOUN
inlawrev-3950	558	23	defaults	default	NOUN
inlawrev-3950	558	24	and	and	CCONJ
inlawrev-3950	558	25	foreclosures	foreclosure	NOUN
inlawrev-3950	558	26	are	be	AUX
inlawrev-3950	558	27	surging	surge	VERB
inlawrev-3950	558	28	and	and	CCONJ
inlawrev-3950	558	29	without	without	ADP
inlawrev-3950	558	30	significant	significant	ADJ
inlawrev-3950	558	31	policy	policy	NOUN
inlawrev-3950	558	32	changes	change	NOUN
inlawrev-3950	558	33	will	will	AUX
inlawrev-3950	558	34	continue	continue	VERB
inlawrev-3950	558	35	to	to	PART
inlawrev-3950	558	36	do	do	VERB
inlawrev-3950	558	37	so	so	ADV
inlawrev-3950	558	38	through	through	ADP
inlawrev-3950	558	39	the	the	DET
inlawrev-3950	558	40	remainder	remainder	NOUN
inlawrev-3950	558	41	of	of	ADP
inlawrev-3950	558	42	the	the	DET
inlawrev-3950	558	43	decade	decade	NOUN
inlawrev-3950	558	44	.	.	PUNCT
inlawrev-3950	559	1	"	"	PUNCT
inlawrev-3950	559	2	)	)	PUNCT
inlawrev-3950	559	3	.	.	PUNCT
inlawrev-3950	560	1	139	139	X
inlawrev-3950	560	2	.	.	PUNCT
inlawrev-3950	561	1	see	see	VERB
inlawrev-3950	561	2	john	john	PROPN
inlawrev-3950	561	3	leland	leland	PROPN
inlawrev-3950	561	4	,	,	PUNCT
inlawrev-3950	561	5	baltimore	baltimore	PROPN
inlawrev-3950	561	6	finds	find	VERB
inlawrev-3950	561	7	subprime	subprime	ADJ
inlawrev-3950	561	8	crisis	crisis	NOUN
inlawrev-3950	561	9	snags	snag	VERB
inlawrev-3950	561	10	women	woman	NOUN
inlawrev-3950	561	11	,	,	PUNCT
inlawrev-3950	561	12	n.y	n.y	PROPN
inlawrev-3950	561	13	.	.	PROPN
inlawrev-3950	561	14	times	times	PROPN
inlawrev-3950	561	15	,	,	PUNCT
inlawrev-3950	561	16	jan	jan	PROPN
inlawrev-3950	561	17	.	.	PROPN
inlawrev-3950	561	18	15	15	NUM
inlawrev-3950	561	19	,	,	PUNCT
inlawrev-3950	561	20	2008	2008	NUM
inlawrev-3950	561	21	,	,	PUNCT
inlawrev-3950	561	22	at	at	ADP
inlawrev-3950	561	23	al	al	PROPN
inlawrev-3950	561	24	;	;	PUNCT
inlawrev-3950	561	25	louis	louis	PROPN
inlawrev-3950	561	26	uchitelle	uchitelle	PROPN
inlawrev-3950	561	27	,	,	PUNCT
inlawrev-3950	561	28	for	for	ADP
inlawrev-3950	561	29	baltimore	baltimore	PROPN
inlawrev-3950	561	30	,	,	PUNCT
inlawrev-3950	561	31	housing	housing	NOUN
inlawrev-3950	561	32	slump	slump	NOUN
inlawrev-3950	561	33	slows	slow	VERB
inlawrev-3950	561	34	a	a	DET
inlawrev-3950	561	35	revival	revival	NOUN
inlawrev-3950	561	36	,	,	PUNCT
inlawrev-3950	561	37	n.y	n.y	PROPN
inlawrev-3950	561	38	.	.	PROPN
inlawrev-3950	561	39	times	times	PROPN
inlawrev-3950	561	40	,	,	PUNCT
inlawrev-3950	561	41	oct	oct	PROPN
inlawrev-3950	561	42	.	.	PROPN
inlawrev-3950	561	43	4	4	NUM
inlawrev-3950	561	44	,	,	PUNCT
inlawrev-3950	561	45	2007	2007	NUM
inlawrev-3950	561	46	,	,	PUNCT
inlawrev-3950	561	47	at	at	ADP
inlawrev-3950	561	48	al	al	PROPN
inlawrev-3950	561	49	.	.	PROPN
inlawrev-3950	562	1	652	652	NUM
inlawrev-3950	562	2	indiana	indiana	PROPN
inlawrev-3950	562	3	law	law	PROPN
inlawrev-3950	562	4	review	review	NOUN
inlawrev-3950	563	1	[	[	X
inlawrev-3950	563	2	vol	vol	NOUN
inlawrev-3950	563	3	.	.	PUNCT
inlawrev-3950	563	4	41	41	NUM
inlawrev-3950	563	5	:	:	PUNCT
inlawrev-3950	563	6	629	629	NUM
inlawrev-3950	563	7	at	at	ADP
inlawrev-3950	563	8	the	the	DET
inlawrev-3950	563	9	expense	expense	NOUN
inlawrev-3950	563	10	of	of	ADP
inlawrev-3950	563	11	taxpayers	taxpayer	NOUN
inlawrev-3950	563	12	to	to	PART
inlawrev-3950	563	13	contribute	contribute	VERB
inlawrev-3950	563	14	much	much	ADV
inlawrev-3950	563	15	needed	need	VERB
inlawrev-3950	563	16	capital	capital	NOUN
inlawrev-3950	563	17	back	back	ADV
inlawrev-3950	563	18	to	to	ADP
inlawrev-3950	563	19	the	the	DET
inlawrev-3950	563	20	cities	city	NOUN
inlawrev-3950	563	21	who	who	PRON
inlawrev-3950	563	22	have	have	AUX
inlawrev-3950	563	23	been	be	AUX
inlawrev-3950	563	24	left	leave	VERB
inlawrev-3950	563	25	with	with	ADP
inlawrev-3950	563	26	the	the	DET
inlawrev-3950	563	27	financial	financial	ADJ
inlawrev-3950	563	28	bill	bill	NOUN
inlawrev-3950	563	29	.	.	PUNCT
inlawrev-3950	564	1	a	a	DET
inlawrev-3950	564	2	litigated	litigate	VERB
inlawrev-3950	564	3	solution	solution	NOUN
inlawrev-3950	564	4	is	be	AUX
inlawrev-3950	564	5	particularly	particularly	ADV
inlawrev-3950	564	6	just	just	ADV
inlawrev-3950	564	7	,	,	PUNCT
inlawrev-3950	564	8	because	because	SCONJ
inlawrev-3950	564	9	it	it	PRON
inlawrev-3950	564	10	precisely	precisely	ADV
inlawrev-3950	564	11	targets	target	VERB
inlawrev-3950	564	12	only	only	ADV
inlawrev-3950	564	13	those	those	DET
inlawrev-3950	564	14	corporations	corporation	NOUN
inlawrev-3950	564	15	who	who	PRON
inlawrev-3950	564	16	can	can	AUX
inlawrev-3950	564	17	be	be	AUX
inlawrev-3950	564	18	shown	show	VERB
inlawrev-3950	564	19	to	to	PART
inlawrev-3950	564	20	have	have	AUX
inlawrev-3950	564	21	enriched	enrich	VERB
inlawrev-3950	564	22	themselves	themselves	PRON
inlawrev-3950	564	23	wrongfully	wrongfully	ADV
inlawrev-3950	564	24	at	at	ADP
inlawrev-3950	564	25	the	the	DET
inlawrev-3950	564	26	expense	expense	NOUN
inlawrev-3950	564	27	of	of	ADP
inlawrev-3950	564	28	cities	city	NOUN
inlawrev-3950	564	29	and	and	CCONJ
inlawrev-3950	564	30	their	their	PRON
inlawrev-3950	564	31	taxpayers	taxpayer	NOUN
inlawrev-3950	564	32	.	.	PUNCT
inlawrev-3950	565	1	to	to	ADP
inlawrev-3950	565	2	the	the	DET
inlawrev-3950	565	3	extent	extent	NOUN
inlawrev-3950	565	4	that	that	SCONJ
inlawrev-3950	565	5	america	america	PROPN
inlawrev-3950	565	6	's	's	PART
inlawrev-3950	565	7	mayors	mayor	NOUN
inlawrev-3950	565	8	find	find	VERB
inlawrev-3950	565	9	a	a	DET
inlawrev-3950	565	10	way	way	NOUN
inlawrev-3950	565	11	to	to	PART
inlawrev-3950	565	12	work	work	VERB
inlawrev-3950	565	13	together	together	ADV
inlawrev-3950	565	14	in	in	ADP
inlawrev-3950	565	15	addressing	address	VERB
inlawrev-3950	565	16	this	this	DET
inlawrev-3950	565	17	problem	problem	NOUN
inlawrev-3950	565	18	,	,	PUNCT
inlawrev-3950	565	19	collective	collective	ADJ
inlawrev-3950	565	20	litigation	litigation	NOUN
inlawrev-3950	565	21	efforts	effort	NOUN
inlawrev-3950	565	22	present	present	VERB
inlawrev-3950	565	23	powerful	powerful	ADJ
inlawrev-3950	565	24	reasons	reason	NOUN
inlawrev-3950	565	25	for	for	ADP
inlawrev-3950	565	26	large	large	ADJ
inlawrev-3950	565	27	financial	financial	ADJ
inlawrev-3950	565	28	institutions	institution	NOUN
inlawrev-3950	565	29	to	to	PART
inlawrev-3950	565	30	come	come	VERB
inlawrev-3950	565	31	to	to	ADP
inlawrev-3950	565	32	the	the	DET
inlawrev-3950	565	33	table	table	NOUN
inlawrev-3950	565	34	not	not	PART
inlawrev-3950	565	35	as	as	ADP
inlawrev-3950	565	36	adversaries	adversary	NOUN
inlawrev-3950	565	37	looking	look	VERB
inlawrev-3950	565	38	to	to	PART
inlawrev-3950	565	39	fight	fight	VERB
inlawrev-3950	565	40	,	,	PUNCT
inlawrev-3950	565	41	but	but	CCONJ
inlawrev-3950	565	42	as	as	ADP
inlawrev-3950	565	43	partners	partner	NOUN
inlawrev-3950	565	44	trying	try	VERB
inlawrev-3950	565	45	to	to	PART
inlawrev-3950	565	46	help	help	VERB
inlawrev-3950	565	47	.	.	PUNCT
inlawrev-3950	566	1	some	some	DET
inlawrev-3950	566	2	lenders	lender	NOUN
inlawrev-3950	566	3	clearly	clearly	ADV
inlawrev-3950	566	4	face	face	VERB
inlawrev-3950	566	5	the	the	DET
inlawrev-3950	566	6	risk	risk	NOUN
inlawrev-3950	566	7	of	of	ADP
inlawrev-3950	566	8	exposure	exposure	NOUN
inlawrev-3950	566	9	in	in	ADP
inlawrev-3950	566	10	multiple	multiple	ADJ
inlawrev-3950	566	11	cities	city	NOUN
inlawrev-3950	566	12	and	and	CCONJ
inlawrev-3950	566	13	states	state	NOUN
inlawrev-3950	566	14	;	;	PUNCT
inlawrev-3950	566	15	the	the	DET
inlawrev-3950	566	16	potential	potential	ADJ
inlawrev-3950	566	17	cost	cost	NOUN
inlawrev-3950	566	18	to	to	ADP
inlawrev-3950	566	19	these	these	DET
inlawrev-3950	566	20	companies	company	NOUN
inlawrev-3950	566	21	of	of	ADP
inlawrev-3950	566	22	a	a	DET
inlawrev-3950	566	23	litigated	litigate	VERB
inlawrev-3950	566	24	solution	solution	NOUN
inlawrev-3950	566	25	—	—	PUNCT
inlawrev-3950	566	26	both	both	CCONJ
inlawrev-3950	566	27	reputational	reputational	ADJ
inlawrev-3950	566	28	and	and	CCONJ
inlawrev-3950	566	29	financial	financial	ADJ
inlawrev-3950	566	30	—	—	PUNCT
inlawrev-3950	566	31	is	be	AUX
inlawrev-3950	566	32	enormous	enormous	ADJ
inlawrev-3950	566	33	.	.	PUNCT
inlawrev-3950	567	1	new	new	ADJ
inlawrev-3950	567	2	investment	investment	NOUN
inlawrev-3950	567	3	,	,	PUNCT
inlawrev-3950	567	4	of	of	ADP
inlawrev-3950	567	5	course	course	NOUN
inlawrev-3950	567	6	,	,	PUNCT
inlawrev-3950	567	7	does	do	AUX
inlawrev-3950	567	8	not	not	PART
inlawrev-3950	567	9	guarantee	guarantee	VERB
inlawrev-3950	567	10	integrated	integrated	ADJ
inlawrev-3950	567	11	living	living	NOUN
inlawrev-3950	567	12	patterns	pattern	NOUN
inlawrev-3950	567	13	.	.	PUNCT
inlawrev-3950	568	1	it	it	PRON
inlawrev-3950	568	2	merely	merely	ADV
inlawrev-3950	568	3	represents	represent	VERB
inlawrev-3950	568	4	a	a	DET
inlawrev-3950	568	5	starting	starting	NOUN
inlawrev-3950	568	6	point	point	NOUN
inlawrev-3950	568	7	for	for	ADP
inlawrev-3950	568	8	addressing	address	VERB
inlawrev-3950	568	9	a	a	DET
inlawrev-3950	568	10	larger	large	ADJ
inlawrev-3950	568	11	problem	problem	NOUN
inlawrev-3950	568	12	,	,	PUNCT
inlawrev-3950	568	13	and	and	CCONJ
inlawrev-3950	568	14	at	at	ADP
inlawrev-3950	568	15	a	a	DET
inlawrev-3950	568	16	minimum	minimum	NOUN
inlawrev-3950	568	17	,	,	PUNCT
inlawrev-3950	568	18	a	a	DET
inlawrev-3950	568	19	firewall	firewall	NOUN
inlawrev-3950	568	20	against	against	ADP
inlawrev-3950	568	21	further	further	ADJ
inlawrev-3950	568	22	losses	loss	NOUN
inlawrev-3950	568	23	.	.	PUNCT
inlawrev-3950	569	1	the	the	DET
inlawrev-3950	569	2	lesson	lesson	NOUN
inlawrev-3950	569	3	from	from	ADP
inlawrev-3950	569	4	baltimore	baltimore	PROPN
inlawrev-3950	569	5	is	be	AUX
inlawrev-3950	569	6	clear	clear	ADJ
inlawrev-3950	569	7	:	:	PUNCT
inlawrev-3950	569	8	the	the	DET
inlawrev-3950	569	9	fha	fha	PROPN
inlawrev-3950	569	10	provides	provide	VERB
inlawrev-3950	569	11	the	the	DET
inlawrev-3950	569	12	standing	standing	NOUN
inlawrev-3950	569	13	,	,	PUNCT
inlawrev-3950	569	14	the	the	DET
inlawrev-3950	569	15	cause	cause	NOUN
inlawrev-3950	569	16	of	of	ADP
inlawrev-3950	569	17	action	action	NOUN
inlawrev-3950	569	18	,	,	PUNCT
inlawrev-3950	569	19	and	and	CCONJ
inlawrev-3950	569	20	the	the	DET
inlawrev-3950	569	21	remedies	remedy	NOUN
inlawrev-3950	569	22	needed	need	VERB
inlawrev-3950	569	23	for	for	ADP
inlawrev-3950	569	24	cities	city	NOUN
inlawrev-3950	569	25	to	to	PART
inlawrev-3950	569	26	play	play	VERB
inlawrev-3950	569	27	a	a	DET
inlawrev-3950	569	28	significant	significant	ADJ
inlawrev-3950	569	29	role	role	NOUN
inlawrev-3950	569	30	in	in	ADP
inlawrev-3950	569	31	fighting	fight	VERB
inlawrev-3950	569	32	to	to	PART
inlawrev-3950	569	33	save	save	VERB
inlawrev-3950	569	34	dr	dr	PROPN
inlawrev-3950	569	35	.	.	PROPN
inlawrev-3950	569	36	king	king	PROPN
inlawrev-3950	569	37	's	's	PART
inlawrev-3950	569	38	dream	dream	NOUN
inlawrev-3950	569	39	.	.	PUNCT
inlawrev-3950	570	1	we	we	PRON
inlawrev-3950	570	2	have	have	AUX
inlawrev-3950	570	3	reached	reach	VERB
inlawrev-3950	570	4	a	a	DET
inlawrev-3950	570	5	critical	critical	ADJ
inlawrev-3950	570	6	moment	moment	NOUN
inlawrev-3950	570	7	for	for	ADP
inlawrev-3950	570	8	communities	community	NOUN
inlawrev-3950	570	9	of	of	ADP
inlawrev-3950	570	10	color	color	NOUN
inlawrev-3950	570	11	.	.	PUNCT
inlawrev-3950	571	1	after	after	ADP
inlawrev-3950	571	2	forty	forty	NUM
inlawrev-3950	571	3	years	year	NOUN
inlawrev-3950	571	4	,	,	PUNCT
inlawrev-3950	571	5	it	it	PRON
inlawrev-3950	571	6	is	be	AUX
inlawrev-3950	571	7	still	still	ADV
inlawrev-3950	571	8	not	not	PART
inlawrev-3950	571	9	too	too	ADV
inlawrev-3950	571	10	late	late	ADJ
inlawrev-3950	571	11	.	.	PUNCT
inlawrev-3950	572	1	the	the	DET
inlawrev-3950	572	2	moment	moment	NOUN
inlawrev-3950	572	3	must	must	AUX
inlawrev-3950	572	4	be	be	AUX
inlawrev-3950	572	5	seized	seize	VERB
inlawrev-3950	572	6	now	now	ADV
inlawrev-3950	572	7	,	,	PUNCT
inlawrev-3950	572	8	or	or	CCONJ
inlawrev-3950	572	9	it	it	PRON
inlawrev-3950	572	10	will	will	AUX
inlawrev-3950	572	11	be	be	AUX
inlawrev-3950	572	12	lost	lose	VERB
inlawrev-3950	572	13	.	.	PUNCT