Provides a brief review of the rules, listing history, and biological issues relevant to the status and protection of the pygmy-owl in Pima County. Land use in unincorporated northwest Pima County is analyzed to determine existing commitments and conservation opportunities, and in order to begin to answer the question of whether a general biological goal of conserving 80 percent of the pygmy-owl's habitat can be achieved.

The study finds that if minority families owned homes at the same rate as whites of a similar age and income, there would be an additional 3.5 million homeowners today. A major factor contributing to this gap is that minority and lower income famimlies experience continuing, and in many cases growing, inequalities in obtaining the financing necessary to purchase a home.

Provides an overview of types of mitigation banking activities that have evolved from the Army Corps of Engineers wetlands banking. The discussion provides important distinctions between traditional practices in the area of mitigation banking and banking for endangered species purposes. The potential role of private sector in this market is described, as well as the roles of federal and local government participants.