A social problem is one that concerns the way in which people live together in one society. A racial problem is a problem which confronts two different races who live in two separate societies even if those societies are side by side.

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The FHA's success provides strong evidence that government can and should play a role in the nation's mortgage finance system. It also demonstrates that although government intervention in the economy during the Great Recession was messy things would have been a lot messier without it.