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We examine whether CDFIs are reaching borrowers and neighborhoods that have historically faced greater barriers to homeownershipparticularly lower-income borrowers and Black, Hispanic, and Asian American and Pacific Islander (AAPI) New Yorkersand whether their lending and approval patterns differ meaningfully from those of non-certified institutions

Swedish studies have determined that cancer rates were lower among snus users than they were among smokers

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Following literally years of concerted r&d, this resulted in KT&G rolling out its very first heat-not-burn (HNB) product, lil 1.0 , in 2017, the brand name factually being an acronym of the marketing slogan, a l ittle i s a l ot