Luz hoyt

For lower-income folks who would have financed [the purchase] anyway, it's saving them money. And for higher-income folks, why not?

We were only authorized to adopt two children by the government. But the three of them were sisters. We didn't want to break them up and people didn't usually want to adopt three children at once. So we went down there crossing our fingers and hoping they would allow us to bring them all back.