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I: AN IDENTITY OF NEEDS Not by Philanthropy Alone 3 Sharing the Secret of Wealth 13 II: THE GHETTO: AN ECONOMY THAT ABOLISHED WEALTH A Mindless Marketplace of Anarchy 21 The Separate Subsidiary of the United States 31 Resolute Safeguards Against Profits 40 Frozen Arteries of Credit 45 The Failure of Savings and Front-End Money 56 Ghetto Entrepreneur: A Missing Person 60o The Dilemma of Black Nationalism 65 III: WHY THE WEALTH-MAKERS DUCK The Businessman's Ethic and His Prerogatives 73 Business Investment in the Poor: A Self-Inflicted Tax 81 Boycotts, Blackmail, and Blame 88 Public Programs and Crushed Incentives 92 The Small Business Administration: The Reluctant Guarantor 97 The Federal Housing Administration and the Under-Mortgaged Society 103 IV: EMERGING MOTIVES FOR BUSINESS ACTION Business, Riots, and the Encroaching Slums 113 Safeguarding Labor and Executive Markets 120 The Gentle Art of the Federal Hotfoot 124 Public Relations, Patriotism, and Prestige 127 The Anti-Poverty Power Innovators 131 V: BRIDGING THE TARIFFS OF THE SLUM "Exits from Poverty" or "Enrichment of the Slum": A Choice of Strategies 136 An Experiment with Income Certainty: The Self-Executing Loan Guarantee 142 The Use and Misuse of Ghetto Tax Credits 148 VI: TWELVE MAGNETS OF PROFIT: A PROGRAM FOR CATEGORICAL CORRECTIVE INCENTIVES Injections of Leverage REDUCING THE RISK ON "SOFT" COMMERCIAL LOANS 159 NEW LIQUIDITY FOR GHETTO-ORIGIN INSTALLMENT PAPER 165 STIMULATING DEPOSITS IN SLUM-AREA BANKS 167 GHETTO DEVELOPMENT BANK: PUBLIC AND PRIVATE 171 Front-End Incentives COAXING SAVINGS IN THE GHETTO 177 GHETTO-ORIGIN STOCK PLACEMENTS 181 THE CORE-AREA SERVICE CLUSTER 183 Imparting the Skills of the Entrepreneur AID FOR THE POVERTY-AREA BUSINESS FRANCHISE HOLDER 186 ENCOURAGING THE NEW GHETTO BUSINESS WITH A PROTECTED PRODUCT MARKET 190 NEW EQUITIES IN GHETTO OWNERSHIP 193 DEVELOPING BLACK ENTREPRENEURS 195 STORE-FRONT TRAINING CENTERS 199 Conclusion 203