Addressing the Vassar Summer Institute for Family and Community Living on the subject of housing, Mrs. Franklin D. Roosevelt said, “Eighteen million American families, almost half of our entire population, now live in substandard dwelling.”  Adequate housing, she said, was lacking particularly in the rural areas, where postwar growth was likely to be greatest.  The problems were intensified, she said, by the return of veterans to civilian life.  She cited an estimate by the National Housing Administration that suggested a government appropriation of $100 million would be necessary to fulfill the emergency temporary veterans’ housing measures already approved by Congress.     The New York Times