<prompt> Translate the following text to EnglishHata ingawa kazi yetu nyingi hutegemea ruzuku, tunagundua kwamba ukosefu wa nyumba salama na nzuri na ya bei nafuu na kuenea kwa mikopo ya uharibifu ni matatizo makubwa katika idadi ya wateja wetu, alisema Brewer, akirejelea wateja kama vile James.  <response>: Although a lot of our work is grant-driven, we find that the lack of safe and decent affordable housing and the prevalence of predatory lending are the biggest problems in our client population, Brewer said, referring to clients such as James. 