Like other American foundations, The F. B. Heron Foundation has for years focused on helping families at the bottom of the economic and social scale — inheritors of persistent poverty, racial and ethnic discrimination, social and geographic isolation, and various failures in markets, social policies, and safety nets. The goal has been to equip them to join what progressive reformers confidently called ―the mainstream. As have others, we have concentrated on helping lower-income families purchase homes and acquire assets, the cornerstones of the ―ownership society that was one of few values on which the American left and right could generally agree…