Examines subgroups of the homeless population and their needs for shelter. Argues that governments and charities should make distinctions among the highly diverse groups of the homeless and cease providing unlimited and unconditional aid to the able bodied, which tends to ensnare youth in the culture of dependency. (FMW)

Discusses the definition, size and composition, and growth of the underclass. Suggests the following policy directions: (1) invest in children; (2) provide support for families who want to move out of the ghetto; and (3) replace the welfare system with income support more closely tied to employment. (FMW)