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WHAT comes to your mind when you hear of people sleeping on park benches and sidewalks or huddled in cardboard boxes or under plastic sheets? Pitiable sights like these have been widely publicized in the news media, and city dwellers are only too familiar with them. But the problem of these so-called street people, troubling as it may be, is only a small part of the overall picture of worldwide housing shortage and homelessness. Just what is the real picture, and how serious is it?