Russia has stopped gas flow to Europe. The Nord Stream pipeline has been a key source of natural gas for decades, providing heat and electricity across the region. And the result of Russia’s actions are already being felt keenly in Europe - even before cold weather sets in. Plus, could zero-down mortgages close the racial homeownership gap? And, the California power grid struggles against more extreme heat. Guests: Axios' Matt Phillips and Megan Rose Dickey; Logan Mohtashami, Lead Data Analyst for HousingWireCredits: Axios Today is produced by Niala Boodhoo, Sara Kehaulani Goo, Alexandra Botti, Lydia McMullen-Laird, Fonda Mwangi, Robin Linn, Alex Sugiura, and Ben O'Brien. Music is composed by Evan Viola. You can reach us at podcasts@axios.com. You can text questions, comments and story ideas to Niala as a text or voice memo to 202-918-4893.Go deeper: Bank of America Tests No-Down-Payment Mortgages in Black and Hispanic Neighborhoods R.I.P. Europe's energy system [please update] Heat wave in West breaks records, threatens California grid