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Michael I. Luger, Kenneth Temkin, Spencer Cowan, Art Wells with the assistance of Edward Kaiser, David Godschalk, Kris Rengert, and Rob Padgett. Center for Urban and Regional Studies, The University of North Carolina at Chapel Hill. Prepared for Housing New Jersey, Inc. and New Jersey Department of Community Affairs. March 1999. 124 pp. CURS Report No. 99-03.