21.   During his first year in Congress, Armey slept in his office, and at one point the House gymnasium, to hold down his housing costs.

22.   Even as housing costs stay high, families at the bottom now seem to be catching the brunt of a national slowdown in the economy.

23.   Fannie Mae executives said they realize that traditional underwriting standards do not work in places with extremely high housing costs.

24.   For some, once they have moved outside the city to escape high housing costs, traffic makes commuting unappealing.

25.   Fortunately, high housing costs are not a roadblock until perhaps college grads get older and want to settle down.

26.   He has also taken on some of the tough issues facing the university, including soaring housing costs and the need to reexamine faculty and staff compensation.

27.   He said that making developers and contractors liable for potential problems would inevitably lead to higher housing costs.

28.   Higher housing costs in the Chicago area are one reason.

29.   His plan then is to lock in even lower housing costs by converting to a fixed-rate loan.

30.   Housing costs have responded to the growth.