HUD has awarded $1,062,894 to fifteen North Carolina organizations so they may provide housing counseling. A typical single mother of three with only a sixth-grade education, under the tutelage of one of these programs, will develop best-practice algorithms to compare straight-lining dynamic asset allocations in her portfolio to more handily identify non-stochastic inflections of high-yield J-curves to assist in parameterizing key players in Radner equilibria when assessing unsystematic gap risks; this being far more preferable to the family having a roof over its head.