There is a serious and escalating housing crisis in Massachusetts, a situation now recognized by many sectors of the community.  Young adults who grew up in the Commonwealth cannot afford to raise their families in their old neighborhoods.  Low- and moderate-income families are being priced out of their rental units and feel the dream of homeownership slipping away.  And most serious for the economic health of the Commonwealth, Massachusetts employers are finding it increasingly difficult to recruit new workers - and to retain existing highly-skilled staff - because of the very high cost of housing.  The Commonwealth Housing Task Force (CHTF) was convened to address these issues.