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The cycle of homelessness for most individuals and families begins with a 'spiraling down' to the streets and shelters from a well-worn circuit of temporary, overcrowded, and extremely tenuous housing arrangements. When family members, significant others, friend -- or landlords -- are no longer willing or able to tolerate the overcrowding, the added dependency on already overwhelmed resources, or unacceptable behaviors resulting from mental illness or substance abuse, these precariously housed individuals and families resort to the homelessness assistance system. Some never return; others find it more difficult to secure and retain jobs that pay enough to obtain and remain in decent, affordable housing and find themselves repeating the 'cycle.' For far too many individuals who are disabled by mental illness and/or alcohol and other drug abuse, the cycle includes jail and repeated and costly visits to the hospital -- and rarely, if ever, includes steady employment and decent, permanent housing.