[lemma=","] [lemma=one] [□] □ □
[lemma=","] [lemma=one] [□=□] □ □
[lemma=","] [lemma=one] [!□] □ □
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 .