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HOME OWNEM ’ LOAN ACT (48 Stat. 128; 12 U.S.C. 1461 et seq.)

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I am grateful to Lauren Hendricks of CARE for giving me the opportunity to explore the vibrant, dynamic and delicate process of providing financial services in Africa. I could not have done this work without the unfailing help, thoughtful overall technical leadership, support, and cheerful shepherding I received from CARE’s Sybil Chidiac, and I would not have enjoyed it nearly so much without her enthusiasm. I am also grateful to Gretchen Lyons for her meticulous but gentle editing, and to Camber Brand, Nicole Cappello, Elizabeth Bowden David, Karen Gold, Laté Lawson, Angela Lewis, Shamim Noorani and Tony Williams of CARE.