Right about now the weather is cooling off. Or, if it hasn’t, it soon will. Before we know it, hard winter will be upon us. As of this year, there are 38,000 homeless veterans who will be living outside in that weather.

Homeless people make up 7 percent of the population, but 13 percent of the homeless population are veterans. Over half have a disability. Nearly three-quarters have substance abuse problems. Fully half

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