Not everyone receiving a cash gifts want to make a 20% downpayment, though. Cash gifts are also allowed for low-downpayment mortgages including the FHA purchase mortgage, which requires a 3.5% downpayment; and the Conventional 97 mortgage from Fannie Mae and Freddie Mac which requires just 3% down.
Hardwiring Happiness is a psychology/but actually mostly a self-help book. I obviously went into it with expectations that weren't met, but it's not all bad. I did get the psychological research that I wanted and more.
Hardstyle is a genre of EDM characterized by heavy bass and high BPM counts, typically in the range of 150. It lacks the fluidity of trance, which is the main characteristic that distinguishes it from hard trance. It sounds much like hardcore albeit at (relatively speaking) slower BPM counts. Hardstyle is currently the music of choice in many European countries, especially Holland. Parties/raves that play hardstyle music include Qlimax, Q-Base (Q-Dance), and Sensation Black (ID&T).