Judy R. graduated from social work school in 1986 with a master's degree in social work and a deep commitment to work with the homeless. She accepted a low-paying job as coordinator of social services in a North Philadelphia homeless shelter. She loved her work with the homeless women and children who crowded her facility: finding needed entitlements, working with a mothers' support group, watching joy and hope fill the faces of families as they learned they would soon be moving to permanent housing.