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.
Near Wild Heaven. Shiny Happy People is a song by the band R.E.M. The song appeared on their 1991 album Out of Time and was released as a single in the same year. The song features guest vocals by Kate Pierson of the B-52's, who also appears in the song's music video.