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FYI: Nearly five million low- to moderate-income working families in the U.S. spend more than half their annual income on housing, according to a new Center for Housing Policy study. That’s a 60 percent jump from 1997. The study, based on federal housing data, defines low- to moderate-income families as those that make more than $10,000 a year and less than 120 percent of their area’s median income. [11/20/02]