[lemma=","] [lemma=one] [word=in] □
[lemma=","] [lemma=one] [word=in] □ □
[lemma=","] [lemma=one] [word=in] □*
The congressionally chartered Millennial Housing Commission ( MHC ) reported that in 1999 , one in four families spent more than 30 percent of its annual income on housing .