Mr. John-Mark McCafferty:

The short answer is "Yes". There are a number of interventions. Obviously, investing in cost rental and social housing is absolutely key, and that ramping up of cost rental. In the interim, and the housing assistance payment point was made earlier, rents will increase at the end of six years and that will have huge affordability issues for a growing swathe of the population. This will probably have to be addressed partly by HAP but ultimately structurally we need to see larger players with a social remit providing both social housing and cost rental housing at scale to look a bit more like our counterparts in mainland Europe.