But high car ownership, and the postwar mortgage system of the Federl Housing Authority, which has been tied very largely to detached free-standing houses, have powerfully influenced the suburban character of the sprawl.

• 然而，私人轿车的大批涌现以及联邦房管署在战后建立的土地抵押制度也都对城市向郊外的扩展产生强有力的影响。 这一抵押制度与那些各据一方，随意分布的住房的出现有着相当密切的联系。