Ben Cardin actually said...

If we don't act very quickly to bring more resources to the table, we're going to fall even further behind in the future.

We do not have enough stock of affordable housing. Supply and demand issues--it's just not affordable.

The waiting lists in Maryland are long for affordable housing. The options are not really bright today.

The Low-Income Housing Tax Credit... it's the strongest tool we have to date, but in and of itself, it's not enough.