The collapse of the housing market over the last four years has been not only a severe blow to the entire economy, but also a personal tragedy to millions of Americans whose homes have lost value and to so many others who have lost their homes. Combined with high unemployment, that decline has left countless homeowners saddled with mortgages exceeding the value of their homes.
This example text from a political party manifesto is sceptical towards state expenditure on education, for example in favour of study fees or private schools