I just wanted to ask you, Minister, about, when we're talking about affordable housing in particular, whether council houses and social houses provided by social landlords are going to be affected by your plans for non-traditional construction methods, can I say? Obviously, their borrowing facility is going to be dependent on the valuation of the body of assets and, obviously, we had problems with properties that were built between the wars and in the early 1960s through concrete block construction. Can you tell us what conversations you've had with lenders about whether they're going to be concerned about this, as these are really good ideas and we don't want it to be stymied by, actually, an inability to borrow? Thank you.