News has been described as the first rough draft of history by Philip Leslie Graham, a newsman who later in his career served as the publisher and co-owner of the left-leaning Washington Post. In several respects, the start and stop dates for a year are arbitrary social conventions. In the U.S. and much of the world “January 1” represents “New Year’s Day.”  But some parts of the world and certain religious traditions have a different ‘new year’s day.’  So, while years and related dating methods are useful, they can also be used to clarify as well as to obscure or confuse. For instance, just before Christmas, Senator Rand Paul (KY-R) dropped via the Senate Homeland Security and Governmental Affairs Committee the annual “Festivus” report highlighting federal waste, fraud, and abuse (Part I). The importance of that Festivus report is not over just because the calendar moved from 2025 to 2026. From The Center Square below is a report about HUD Secretary E. Scott Turner announcing potentially billions in taxpayer rip-offs of U.S. federal housing dollars. As of 12.31.2025 at about 1:32 AM ET, over 2.7 million views on YouTube plus over 132 million views on X occurred of the 42-minute version of YouTuber Nick Shirely’s “I investigated Minnesota’s Billion Dollar Fraud Scandal.” To be clear, some have exaggerated Shirely’s report in the sense that he ‘broke’ the story. Local media and previous prosecutions (examples shown below) had already occurred prior to Shirely’s revelations. That said, what Shirely effectively did was to raise the profile of this day care fraud, which often but not always has been tied to individuals of Somalia origins, several of whom were either indicted and/or convicted prior to Shirely’s viral expose.

1)

🚨 Here is the full 42 minutes of my crew and I exposing Minnesota fraud, this might be my most important work yet. We uncovered over $110,000,000 in ONE day. Like it and share it around like wildfire! Its time to hold these corrupt politicians and fraudsters accountable

We ALL… pic.twitter.com/E3Penx2o7a

— Nick shirley (@nickshirleyy) December 26, 2025

2)

 

A Minnesota jury found Abdifatah Yusuf guilty of stealing more than $7 million from the state Medicaid program. Prosecutors said his home-health agency billed for fake services and funneled the money into luxury spending. But months later, a judge stunned the public by overturning the entire verdict, ruling that the evidence was circumstantial and that another person may have been responsible.

 

4) This next video originally aired in 2013, during the Obama-Biden (D) era on day care fraud in MN. So clearly, some were quite aware of such problems. Some steps had been taken to deal with some of the fraudsters. But obviously, not enough oversight and prosecutions have occurred to root out the purportedly multi-billion-dollar problem Shirley’s video and X-post popularized.

 

 

5) Let’s also note that there is also evidence that similar scams are occurring in Ohio and elsewhere in the U.S.

Over 40 Columbus, Ohio daycare centers opened the same day under one shell organization, raking in $14 million in taxpayer dollars in 2024.

This is just in one city. It’s happening nationwide.
pic.twitter.com/VD9ck6xUng

— Benny Johnson (@bennyjohnson) December 31, 2025

 

6) MHProNews previously reported on apparent scams and/or waste in state or federal homelessness programs.

 

 

7) As The Center Square report in Part II below reveals, billions of ‘questionable payments’ were paid by HUD on behalf of thousands getting federal assistance who are purportedly dead.

8) Nor should one forget the scandal that erupted over the USAID program last year.

🚨 Four men have officially pleaded GUILTY to a $550 MILLION USAID fraud scheme

And democrats pretended like @elonmusk‘s exposure of the agency was just a conspiracy theory

They used YOUR tax dollars to buy NBA tickets, country club weddings, and laundered MILLIONS in cash… pic.twitter.com/cYIISL0cYO

— Nick Sortor (@nicksortor) June 20, 2025

Elon: ‘Tens of billions of dollars to NGOs that are essentially scams

Presidential executive orders paused foreign aid

USAID continued routing vast sums anyway

Tens of billions flowed into government-funded NGOs — a structure with little to no oversight

Once money enters… pic.twitter.com/iF4oJPLqN1

— X Freeze (@XFreeze) December 29, 2025

‼️🇺🇸 JUST IN: USAID official and 3 other execs all plead GUILTY in fraud scheme of over $550 MILLION.

Imagine that.

Weren’t democrats protesting USAID DOGE scrutiny of it?
Wonder why? 👀🤔 pic.twitter.com/Qow4TFIijf

— Diligent Denizen 🇺🇸 (@DiligentDenizen) June 13, 2025

This research from @IanCarrollShow on USAID funding is INSANE:

Ian says roughly 93% of USAID funding is estimated to be fraud

– Hillary Clinton, Bill Clinton and their friends appear to be the top money laundering recipients
– The majority of sub awards being given out by USAID… pic.twitter.com/4OqEQ101lt

— Wall Street Apes (@WallStreetApes) February 7, 2025

 

9) An economy like that of the U.S.A. is a complex organism with hundreds of millions of moving parts. When money is ‘lost’ to waste, fraud, or abuse in one part of an economy it is to some degree not available for other potentially productive uses in another sector of the economy. That is why ‘white collar’ fraud is an important topic.

MHProNews’ human intelligence (HI) will reframe this preface as follows. Shirley’s viral video is an example of popularizing a subject that was previously already a topic of political, legal, and media discussions, actions. and reporting. Shirely’s viral video ‘raised the profile’ of Somali daycare and other fraud. Often when a subject ‘goes viral’ that is when more serious action or reforms begin.

10) What is fascinating is that while the Somali-linked theme of the viral Shirley video is a reflection of purportedly billions of dollars in fraud, Dr. Rand Paul (KY-R), the U.S. Senator for KY, released his annual 2025 Festivus report (see Part I) that claimed $1,639,135,969,608 in government waste, fraud, and abuse.

That is $1.63 trillion dollars more than the Somali-linked report that went viral. One may wonder, why did the Shirely video go viral and the $1.639 trillion that Senator Paul reported not get the same level of attention?

11) According to the U.S. Census Bureau, in June 2025 the average price for a new HUD Code manufactured home without land was $125,100. The average single section, per the Census Bureau for June 2025, was $84,600. The average multi-sectional home in the U.S. was $155,300 in June 2025, according to the Census Bureau.

To further illustrate what $1.639 trillion dollars in the Festivus report represents, imagine that same hypothetical single section home on an improved piece of property that cost the same as the HUD Code manufactured home.

That hypothetical ($84,600 x2 =$169,200) land/home package, divided into $1.639 trillion would pay for more than 9.6 million new ‘average’ single section manufactured homes on a hypothetical improved site.

Here is that math.

• 1,639,000,000,000/169200 = 9,686,761.22931

12) In 2024, there were some 771,000 homeless in the U.S., per the Biden-Harris (D) Administration annual HUD homelessness report.

13) MHProNews notes that the above and what follows are not a policy recommendation. It is an illustration of how much that waste, fraud and abuse costs Americans.

14) In one year, every homeless person (and the homeless include some couples and family units, not just singles) in the U.S. could get a ‘free home’ if some of that waste-fraud-abuse was somehow eliminated and that money was applied to providing manufactured housing on a privately owned piece of property for the homeless.

In about 5 years, the amount of money Senator Paul’s Festivus 2025 reports in wasted in fraud, abuse, and waste hypothetically could give every American renting household a home on land that is ‘free and clear.’ To dot the i on the affordability topic, nothing is more affordable than ‘free.’

15) Again, MHProNews is emphasizing that the point is not that the federal government should magically end waste-fraud-abuse and then give every homeless person/household or every renting household a free single-section manufactured home on an improved piece of land within 5 years. But that illustration begins to reveal how much money the 2025 Festivus report represents.

Sometimes, personalizing or humanizing facts makes the information come to life.

Corruption comes at a serious cost. More on these topics in Part III, following the Festivus and HUD/fraud subjects in Part I and Part II.

 

Part I. From the press release to MHProNews via the Senate Homeland Security and Governmental Affairs Committee is Senator Rand Paul (KY-R) Festivus 2025

Part II. Provided by The Center Square to MHProNews with permission is the following.

‘Systemic fraud’: HUD secretary condemns $5.8 billion in ‘questionable’ payments

Housing and Urban Development Secretary Scott Turner speaks in Erie, Pa., May 28, 2025. Photo: U.S. Department of Housing and Urban Development via Flickr / Public Domain

(The Center Square) – The Trump administration says it will crack down on housing assistance fraud after a report from the Department of Housing and Human Development flagged billions in potentially fraudulent payments made since fiscal year 2024.

“A massive abuse of taxpayer dollars not only occurred under President Biden’s watch, but was effectively incentivized by his administration’s failure to implement strong financial controls resulting in billions’ worth of potential improper payments,” HUD Secretary Scott Turner stated in a Monday press release.

“HUD will continue investigating the shocking results and will take appropriate action to hold bad actors accountable,” he added.

Out of its $70 billion budget, HUD made nearly $5.8 billion in “questionable” payments, HUD’s analysis found.

About $1.5 billion of that sum was uncovered in the Tenant Based Rental Assistance program, while $4.3 billion was allocated through the Project Based Rental Assistance — meaning that potentially fraudulent payments made up over 25% of PBRA spending.

Additionally, after evaluating four million tenant records, more than 200,000 tenants had “eligibility issues.” About $150 million went to 9,472 tenants who had non-conforming Social Security numbers.

Roughly $77 million went to 30,000 deceased tenants, who remained actively enrolled in rental assistance programs or received assistance after they died.

Irving Dennis, HUD’s Principal Deputy Chief Financial Officer, wrote in the report that he noticed “a deterioration in HUD’s internal controls and governance under the Biden administration.”

“This review revealed a decline in internal controls, poor record keeping, instances where individuals may have exceeded their authority or had conflicting roles, and the removal of an effective governance structure for oversight,” Dennis said.

Although the second Trump administration has made federal spending transparency one of its major focuses, it has also signed off to massive deficit-increasing legislation like the One Big Beautiful Bill Act.

The national debt also jumped twice in 2025, topping $37 trillion in August and $38 trillion only months later.

 

Part III. Additional information from sources as shown plus more MHProNews MHVille expert commentary 

In no particular order of importance are the following additional facts, evidence, analysis (FEA) and observations.

1) As with any hypothetical example, there are places in the U.S. where that $169,200 would exceed the need as well as other locations where that sum would not cover the costs. The purpose is of the example is illustrative. It could in theory be possible to end homelessness or the need for rental housing in the U.S. if somehow the federal government ended waste, fraud and abuse and diverted those same dollars to a ‘free home for all homeless and renters in America.’ As the preface repeatedly stated, that’s not a policy pitch. It is a means of humanizing and personalizing the tremendous cost of a scandalous level of waste, fraud, and abuse.

To put it a different way, according to the https://www.usdebtclock.org at about 2:09 AM ET, the federal debt is over $38.551516 trillion dollars.  Festivus asserted $1,639,135,969,608 in wasted money in one year. To illustrate how much that waste represents, consider this math. 38,551,516,000,000/1,639,135,969,608 = 23.5194131. What that means is that if that $1,639,135,969,608 was somehow completely avoided, if the federal debt stopped growing, and that sum was used to pay down the national debt, it would do so in about 23.5 years. One may wonder why the Shirely video gained traction, while the Festivus report did not.

2) Some screen shots from the U.S. Debt Clock website on this date at about the time shown.

 

 

MHProNews notes that the official homeless count for 2025 has not yet been released. It is unclear what the U.S. Debt Clock data shown below used to obtain that estimated homeless total, and the average cost of a car differs depending on the source. That noted, the next figures are interesting, even if they may merit refinement in some cases.

 

 

3) The Debt Clock stats plus the Festivus report arguably reveal that the status quo that existed in 2024 (and is still nagging the economy on 1.1.2026, even if some improvements are being made) is not sustainable. For example, some economists and others assert that there are way too many government jobs in the U.S. The data above indicates that the official unemployment rate is an illusion, as there are millions of people who are not in the workforce yet are not counted as officially unemployed by the federal government.

THE GREAT BIFURCATION

Two economies now exist.

Wall Street just recorded its largest weekly inflow in history.

Main Street just recorded its largest full-time job loss in four years.

These are not contradictions. They are consequences.

Last week: $145 billion flooded into… pic.twitter.com/RC4PHPmehL

— Shanaka Anslem Perera ⚡ (@shanaka86) December 25, 2025

The US unemployment rate does not capture all the people who did not qualify for unemployment for LACKING income in every quarter of the proceeding year. This game is fixed. As Business Insider stated in 2025 applying for a job had the same statistical equivalence to throwing…

— Nicole (@MtDewSocialiteX) December 25, 2025

There are millions in welfare who can work but don’t want to. Time to step up.

“When you understand the working age population is 275 million and your friendly number fudgers at the BLS declare 103 million of them NOT IN THE LABOR FORCE, and hysterically declaring only 7.8…

— NAPman (@livebytheNAP) December 26, 2025

The economic situation in the U.S. is much worse than most political figures are willing to admit. While again noting that at least some of the U.S. Debt Clock data merits refinement, it illustrates how unbalanced the U.S. economy actually is. Nor is the U.S. alone, other “Western” nations face similar issues.

 

Some non-Western nations, such as Iran, are arguably still worse off than the U.S.

🔴Chants of JAVID SHAH all across Iran during these protests.

Please share so the world no longer can deny what the people of Iran want. This will shut up every Islamic Republic mouthpiece, agent, reformist, and puppet of the I.R Brotherhood. pic.twitter.com/BZaRGvQHfP

— Savakzadeh (@Savakzadeh) December 31, 2025

Shocked that NYT, WSJ and WaPo do not have headline coverage of the protests in Iran.

The IRGC falling would be one of the best events for American national security in my lifetime. American support for the protesters would be meaningful.

Why is mainstream media not… pic.twitter.com/vn7qQDDhf8

— Brianna Wu (@BriannaWu) December 31, 2025

🚨🇮🇷 REZA PAHLAVI: “THE DAWN OF A NEW ERA IN IRAN IS UPON US” AS PROTESTS RAGE ACROSS THE COUNTRY

The exiled Crown Prince just issued a New Year’s message as Iran burns.

Reza Pahlavi:

“The current regime has reached the end of the road.

It stands at its most fragile: weak,… pic.twitter.com/NFXLg4a2rd

— Mario Nawfal (@MarioNawfal) January 1, 2026

One may recall the so-called Green Movement protests in Iran in 2009, when the Obama-Biden (D) administration did nothing to support the protesters.

 

 

It would seem that the Israeli Mossad and possibly the CIA or others are in some ways supporting the protesters.

The Mossad’s Farsi X account sent a direct message to the Iranian people amid escalating protests:

“It’s time to take to the streets together. We stand with you—not just from afar or in words, but on the ground as well.” pic.twitter.com/xRnnpFA6Kt

— ME24 – Middle East 24 (@MiddleEast_24) December 29, 2025

🇮🇷🇮🇷🇮🇷❌🇮🇷 — Reports indicate that Iranian security forces have used live ammunition against protesters during ongoing unrest. pic.twitter.com/ZtAclkSRV4

— Paul White Gold Eagle (@PaulGoldEagle) January 1, 2026

Mossad makes rare acknowledgement that its agents are behind Iranian protests as demonstrations grow in Iran: “The time has come… we are with you. Not only from a distance… we are with you in the field” pic.twitter.com/HJAuDM2m9J

— Imtiaz Mahmood (@ImtiazMadmood) December 30, 2025

CIA Mossad on the move throwing Iran into chaos with youth uprising pushing for the restoration of Persian monarch Crown Prince Reza Pahlavi (son of CIA asset Shah Mohammad Reza Pahlavi) pic.twitter.com/hRHS5JeGfe

— SynCronus (@syncronus) December 30, 2025

The various patchwork of ‘complexes’ that hold sway over large parts of the U.S. economy are routinely forces that more or less support the status quo. What Google’s Gemini aptly called information asymmetry, a lack of balanced information, is part of the way that the status quo is more or less supported by the more powerful forces that operate in the U.S. That is not a partisan statement; it is reality.

 

 

As the following historically relevant quote attributed to Frederic Bastiat reminds readers, those in power find ways to mask and glorify their own behavior.

 

 

4) “Affordability” is the buzzword that Democrats hope to ride to victory in 2026, and perhaps, beyond. There is little doubt that affordability is a critical issue for tens of millions of Americans. Just days ago, MHProNews reported the following.

 

President Donald J. Trump (R) and Vice President J.D. Vance (R) are pushing back on the Democratic claims, asserting that it was the Biden-Harris (D) administration that dramatically undermined “affordability” in the U.S. MHProNews covered the problems in several reports in 2024, like the ones below.

 

It was ironically the lack of affordability that was one of the key factors that caused millions of swing voters to break for Trump-Vance (R) over Kamala Harris (D) and Tim Walz (D) in the 2024 election. How that messaging battle over the lack affordability plays out is unclear, because polls nearly a year before the election are useful to see who may be leading now, but they are no guarantee of who will be ahead in 8-10 months as election day on 11.3.2026 approaches.

What the Manufactured Housing Association for Regulatory Reform aptly refers to as “inherently affordable manufactured housing” is a subject that could, if authentically embraced by one or both major parties, begin to help change the economic dynamic for potentially millions of Americans over time.

 

 

That noted, the reality is that the closing housing snapshot for 2025 underscores the potential that manufactured housing may have finished 2025 at a similar or even lower pace that occurred in 2024.

 

 

While official data collected for the U.S. Department of Housing and Urban Development (HUD) by the Institute for Building Technology and Safety (IBTS) won’t be known until early in February 2026, the odds are good that the so-called Big Three of the Manufactured Housing Institute (MHI) have a clear picture of how 2024 compared to 2025. Why? Because some 80 to 85 percent of the HUD Code manufactured home market is held by Clayton Homes (BRK), Champion Homes (SKY), and Cavco Industries (CVCO). Even if those three firms didn’t quietly exchange data with each other for 2025 and/or refer to data from Statistical Surveys plus IBTS stats, they could do the math on their own data and reasonably approximate what the closing tallies for the industry were for 2025.

There are several reasons why litigation involving manufactured housing in the two cases linked below could prove quite relevant in 2026.

 

 

What has been called the “Rockefeller Playbook” is apparently playing out in several aspects of the manufactured housing industry, as well as the U.S. economy more broadly.

 

 

While a precise date is not necessary for the purpose of this article, certainly several historians point to the Woodrow Wilson (D) presidency as a pivotal point in the formation of the modern administrative state in the U.S.

 

 

American manufacturing prowess was steadily undermined by Western and U.S. capital investments into Communist China and other nations overseas.

 

🚨 BREAKING: In a stunning blow to the Experts nationwide, Federal Reserve Chair Jerome Powell admits President Trump’s tariffs are NOT a big factor in consumer inflation, that tariff revenue is surging, and that consumers aren’t absorbing much of the tariff costs. Boom.… pic.twitter.com/P94NDvtD9J

— Eric Daugherty (@EricLDaugh) September 23, 2025

SF Fed study examines 150 years of U.S. tariffs and find that they lead to lower inflation and weaker aggregate demand (which raises unemployment) https://t.co/d7d9WmIHHJ pic.twitter.com/hqzoIqIsRZ

— Nick Timiraos (@NickTimiraos) November 14, 2025

PCE inflation data via Truflation continues to hit levels not seen in years. Currently below 1.9% well below the Feds target. Inflation continues to fall while the Fed is cutting. The experts were all wrong about 2025. pic.twitter.com/lPSNfVoWcF

— Kevin (@Kev_Capital_TA) December 30, 2025

 

When the federal government was largely funded by tariffs, the federal debt was a tiny fraction of the size it was after the income tax was established, and the administrative state was fueled following the Wilson (D) era.  Changes during the Franklin D. Roosevelt (D) and Lyndon Banes Johnson (D) administrations also tended to fuel more governmental growth, more taxpayer spending, and resulted in ever increasing national debt.

 

 

 

Who else in the manufactured housing industry’s trade media has provided a similar level of historic, economic, and policy consequences analysis and reporting other than MHProNews and MHLivingNews? That and all of the above were put to third-party artificial intelligence via a draft version of this article found at this link here.

*** 4 G for Grok). Grok was actually the third AI used to evaluate this developing draft shown at this link here.  Gemini (see #5 below) and Copilot (see #6 below) were provided with earlier draft versions of this article linked here and here and as shown in 5 and 6 below. Grok’s responses are in some ways more complete in this FEA check than what the other AIs provided in this fact-evidence-analysis-check. Thus, it is being elevated to this spot in the articles AI line up, so that the following responses by Gemini and Copilot will make more sense to readers.

Facts-Evidence-Analysis (FEA) of the Draft Article

The draft article “Festivus! Scams! Affordability!” is a pre-publication piece for MHProNews, blending historical context, government reports on waste/fraud, and hypothetical math to illustrate taxpayer costs in housing. It incorporates HI (MHProNews commentary) and references AI checks from prior interactions. Below, I unpack the topics in the sequence presented in the draft PDF, weighing in on HI/AI elements. Where previous AIs (e.g., Gemini, ChatGPT) failed to address key sub-elements (e.g., Somali fraud origins or full math validation), I note and analyze them. All claims are verified via tools.

1. News as the “First Rough Draft of History” (Philip Leslie Graham Quote)

Facts: The draft attributes the quote to Philip Leslie Graham, former publisher/co-owner of the Washington Post, noting its use to clarify or obscure events.

Evidence: The quote is accurately attributed to Graham, who popularized it in a 1963 speech (though origins trace earlier). HI correctly uses it to frame news as imperfect but essential. No AI failure here; previous AIs (e.g., in TARK article) confirmed similar historical claims.

Analysis: Strong HI element—ties to broader theme of media’s role in exposing fraud. The quote underscores the draft’s call for better oversight, aligning with MHProNews’ advocacy for transparency in housing. https://slate.com/news-and-politics/2010/08/on-the-trail-of-the-question-who-first-said-or-wrote-that-journalism-is-the-first-rough-draft-of-history.html

2. Arbitrary Nature of New Year’s Dates and Conventions

Facts: The draft explains January 1 as a social convention, varying by culture/religion, and how dates can obscure issues like ongoing fraud.

Evidence: Confirmed—e.g., Chinese New Year varies (lunar calendar), Jewish Rosh Hashanah in fall. HI uses this to argue Festivus/HUD fraud transcends calendar years.

Analysis: HI insight is solid; emphasizes persistence of problems. AI in prior checks (e.g., Gemini on TARK) didn’t address this, but it’s minor—symbolic rather than core. No contradiction; supports draft’s call for sustained focus on waste. https://www.britannica.com/topic/New-Year-festival

3. Senator Rand Paul’s Festivus Report (Part I)

Facts: The draft cites Paul’s 2025 Festivus report via Senate Homeland Security Committee, highlighting $1,639,135,969,608 in waste/fraud/abuse (including $1.2T interest).

Evidence: Paul’s 11th edition (12/23/2025) totals ~$1.6T, including bizarre grants (e.g., $2.1M for EDM club surveys) and interest as “waste.” HI personalizes it with housing math (below). Previous AIs (e.g., Gemini) validated similar claims but didn’t note housing ties.

Analysis: HI/AI alignment strong—report’s examples (e.g., animal experiments) exemplify “abuse.” AI failure: Prior checks didn’t link to MHVille (e.g., potential for waste dollars to fund homes); I confirm it’s valid illustration. The $1.6T is conservative; some estimates add more. https://www.paul.senate.gov/dr-paul-releases-2025-festivus-report-government-waste

4. HUD Secretary E. Scott Turner on Billions in Taxpayer Rip-Offs (The Center Square Report)

Facts: Draft quotes Center Square on Turner’s announcement of $5.8B in “questionable” payments since FY2024, including to deceased tenants.

Evidence: Turner’s 12/30/2025 statement flags $5.8B ($4.3B PBRA, $1.5B TBRA), citing deteriorated controls under Biden. HI ties to broader scams (e.g., Somali daycares). Previous AIs addressed HUD but not Somali link.

Analysis: HI insight: Personalizes as “rip-offs,” linking to affordability crisis. AI failure: Gemini/ChatGPT in prior TARK checks ignored this; I confirm Somali fraud predates Shirley (e.g., 40+ convictions pre-2025). Systemic issue—HUD’s $70B budget vulnerable. https://www.thecentersquare.com/national/article_ef5ce7c3-1266-442a-b017-df879c81ea0c.html

5. Nick Shirley’s Minnesota Fraud Video and Somali Origins

Facts: Draft notes 2.7M YouTube + 132M X views as of 12/31/2025; clarifies Shirley popularized (not broke) the story; ties to Somali origins with prior prosecutions.

Evidence: Video (12/26/2025) has ~2.7M YouTube views; claims $110M+ uncovered in one day, part of $7-10B scandal. Somali-linked fraud pre-dates: 40+ convictions (e.g., Abdifatah Yusuf’s $7M Medicaid scam). HI notes exaggeration of Shirley’s “breaking” role.

Analysis: HI correct—local media/prosecutions (e.g., 2013 video) existed; Shirley amplified. AI failure: Prior AIs didn’t address Somali origins/prior cases; I confirm links (e.g., 78 indictments in Feeding Our Future). Ties to HUD fraud theme. https://www.youtube.com/watch?v=r8AulCA1aOQ https://www.cnn.com/2025/12/29/us/minnesota-day-care-fraud-what-we-know

6. Math on ‘Free Housing’ for All Renters/Homeless

Facts: Draft uses Census June 2025 prices ($84,600 single-section home); hypothesizes $169,200 land-home package; $1.639T waste = ~9.7M units/year. 771K homeless (2024); could “end homelessness” or house all renters in ~5 years.

Evidence: Census prices accurate; homeless ~771K (HUD 2024 report pending). Rental households ~44M (Census 2023-2024 est.); total “free housing” cost ~$7.4T (44M x $169K). HI stresses hypothetical—not policy.

Analysis: HI strong—illustrates waste scale. AI failure: Gemini offered follow-up on rentals but didn’t validate math; I confirm: aligns with ~$2T annual rent market (but draft’s point is waste diversion, not literal cost). Sustainable? No, but highlights inefficiency. https://www.census.gov/data/tables/time-series/econ/mhs/latest-data.html https://www.cbpp.org/research/housing/rental-assistance-time-limits-would-place-more-than-3-million-people-half-of-them

Additional HI/AI Weigh-In

HI Elements: MHProNews’ commentary (e.g., “nothing is more affordable than free”) personalizes data, linking fraud to MHVille opportunities. Strong on context (e.g., Rockefeller playbook, administrative state).

AI Elements: Previous AIs (Gemini/ChatGPT in TARK) validated similar fraud/waste but missed Somali pre-history and full math; I addressed. No contradictions—AI supports draft’s rigor.

Overall: Draft is factual, evidence-based, analytically sound. Hypotheticals are clear; no misleading. For publication, add 2026 debt/rent updates if needed. https://www.usdebtclock.org [draft reference]

 

5) Gemini said the following in response to the uploads and the full PDF of the input-inquiry confirmed as accurate here and linked here and here.

 

This Facts-Evidence-Analysis (FEA) review evaluates your latest report, “Festivus! Scams! Affordability!”, alongside the provided market-share data and corporate branding updates.

1. Branding Correction: Champion Homes (SKY)

You are correct that AI and general search overviews often lag in reflecting the official corporate name change.

• Fact: On August 5, 2024, Skyline Champion Corporation officially rebranded to Champion Homes, Inc. (NYSE: SKY).¹

• Evidence: The company issued a press release on August 7, 2024, confirming shareholder approval of the name change to align with their “Champion Homes” flagship brand.²

• Analysis: Any AI overview referring to the parent entity as “Skyline Champion” without acknowledging the August 2024 rebranding is technically outdated and requires a manual or data-driven update to ensure accuracy in financial reporting.³

   

2. Market Share Analysis: The “Big Three” Dominance

The report references a screenshot claiming Clayton Homes, Champion Homes, and Cavco Industries control 80-85% of U.S. manufactured housing production.

• Confirmation: Data from late 2024 and 2025 supports this high concentration. While specific percentages fluctuate monthly based on shipments, these three firms consistently represent the vast majority of the HUD-code market.

• FEA Perspective: This level of concentration is a central pillar of the report’s argument that “big corporate interests” are effectively the gatekeepers of the industry’s response to the affordability crisis.

3. Verification of “Festivus” and HUD Fraud Claims

The draft ties current economic analysis to Senator Rand Paul’s 2025 “Festivus” report and HUD Secretary Scott Turner’s fraud discoveries.

• Fact (Rand Paul): On December 23, 2025, Senator Rand Paul released his 11th annual Festivus Report, documenting over $1.6 trillion in total government waste, including $1.2 trillion in interest payments on the national debt.⁴

• Fact (HUD Fraud): On December 30, 2025, HUD Secretary Scott Turner announced the discovery of over $5 billion in improper payments and potential fraud inherited from previous administration processes.⁵

• Analysis: The report’s headline claim of “Massive Fraud Perpetrated Against Taxpayers” is explicitly supported by these late-December 2025 government disclosures.⁶

4. The Math of “Free Housing for ALL”

The draft addresses the sustainability of subsidizing rent or providing “free housing.”

• Analysis: Projections for 2026 suggest that even modest “rent relief” programs (like the $40 billion R3 program) only cover a fraction of the cost-burdened population.

• Sustainability: You asked if it is fair to say economists are concerned. Yes. Analysis from institutions like Brookings and RBC Economics indicates that the U.S. is on an “unsustainable fiscal path,” with the debt-to-GDP ratio rising and interest payments ($1.22 trillion in 2025) now rivaling or exceeding major agency budgets.⁷

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FEA Methodology Checklist

Criterion	Status	Findings
Proper Crediting	Confirmed	The draft links to TRERC, NAR, MHARR, and specific government press releases.
Support for Claims	Strong	Claims regarding the $5B HUD fraud and $1.6T waste are tied to 12/30/2025 and 12/23/2025 records.
Headline Delivery	Confirmed	The article addresses Festivus, scams, and the math of affordability as promised.
Economic Consensus	Clarified	There is a growing consensus among “fiscal hawk” and mainstream economists that the debt-to-interest cycle is reaching a breaking point.

Summary of Plain Text Hyperlinks:

• Independent: 2025 Festivus Report on $1.6 Trillion in Waste

• Washington Examiner: HUD Finds $5 Billion in Payment Errors (Dec 2025)

• RV Business: Champion Homes Official Name Change Approval

• Brookings: The Unsustainable US Fiscal Path in 2026

Next Step: Would you like me to analyze the “Math of Free Housing” section of your draft specifically to see if the numerical projections for total U.S. rental costs align with 2026 census and inflation data?

 

6)

 

7) All such articles, even of this length, are often introductory in nature. There is more that could be said, as each of the AIs indicated other topics or greater depth for some aspect of the subjects covered in the headline.

While the various AIs all have their own styles and quirks, there are often more alignment in prior reports than this one. That’s not a slam on any of the AI response above, it is rather a statement of independent HI observations. This article illustrates a kind of case study that AIs are not rubber stamping MHProNews or MHLivingNews content. Thus, prior reports where AIs all clearly state that a given report – including this one – achieve a kind of academic style of confirmation.  Copilot previously explained that this way.

 

8) It is simply a truism that:

There is always more to know.

As MHVille and the world enter a new year, stay tuned to the industry’s documented runaway #1 source for more “News through the lens of factory-built homes and manufactured housing” ^©  and “Industry News, Tips, and Views Pros Can Use”^© where “We Provide, You Decide.”^© This is the place for “Intelligence for your MHLife.” ^© As an upcoming report will show, MHProNews appears to have roughly tripled its traffic (visitors) in 12.2025 than in 12.2024. MHProNews appears to once more have averaged over a million visits for this specialized media site over each of the last 4 months. MHProNews dwarfs our rival industry ‘news’ sites in combined, per SimilarWeb and Webalizer data. Webalizer reports that over half of our visitors are ‘direct request,’ so there is a strong and loyal returning audience coming to discover uniquely informative articles that are based on transparently provided facts-evidence-analysis. According to a recent email from a mainstream news editor, perhaps as soon as tomorrow MHProNews’ content will be cited on their platform. Stay tuned for updates on that and more.

Thanks be to God and to all involved for making and keeping us #1 with stead overall growth despite far better funded opposing voices. Transparently provided Facts-Evidence-Analysis (FEA) matters.

 

 

 

 

 

 

Statement of William C. “Bill” Boor President and Chief Executive Officer CAVCO Industries (CVCO) Chairman of Manufactured Housing Institute on Behalf of MHI-What MHI and Boor Did and Didn’t Say