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According to the CDC, smoking causes an estimated 443,000 premature deaths and costs the United States nearly $200 billion dollars (divided roughly evenly between lost labor costs and health care expenditures) per year

"If a snuffer, Though no puffer, You may guess what pangs he'd suffer In his journey through a snow-drift, Visiting a neighboring town

First, very small lenders are not required to report mortgages under HMDA, and are therefore excluded from our analysis.[2] Second, we are not able to identify as many CDFI loan funds as likely exist in the HMDA data.[3] However, subject-matter experts indicated to us that CDFI loan funds make up only a small proportion of CDFI mortgage origination in New York City, as loan funds tend to focus on other consumer financial products

So much so, in fact, that in early 2022 the couple launched their own network, The Magnolia Network, transforming the Gaineses from HGTV sensations to bona fide media moguls

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