HALF-WAY THERE CHALLENGE!

This is an exercise in advanced sentence combining. 

Sentence 1: Experts believe that an economic recession is imminent.
Sentence 2: Reports from various experts indicate that unemployment is up and spending is down.

Sentence 3: In the U.S.A., many people have lost their homes because banks foreclosed on their mortgages.

Grammar:

1.    Use an appositive to combine the sentences.

2.    Use a gerund to combine the sentences.
3.    Use a relative pronoun to combine the sentences.