With a degree from the University of Baltimore and a career as a workman’s compensation insurance adjuster, William Olds was living his life in Fairfax County, doing, as he said, the best he could.

Then he became unemployed, a casualty of the downsizing America, and at about the same time the man who owned his home died, and the new owner didn’t want any tenants. Living paycheck-to-paycheck, William found himself homeless.

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