 Story of Lagos is quite a complex one, the housing challenge is not limited to the poor, we have challenges of availability, we have three million housing deficits in Lagos and for 700 units that are estimated needed annually we are only able to produce 100,000 primarily because there is no capacity to do better than that. So the ability is also an issue because less than 10% of those who desire homes can afford it and 95% of land transactions is very informal and it's very messy. The quality of housing is problematic, about 69% of Lagosians live in more than 200 informal settlements and about 69% of them work in informality. Incidentally about 80 million of our 23 million residents earn less than $2 a day and we also have contextualised needs, the housing market is targeting mainly middle and high income earners and so how is the city responding to the housing challenge, the two dominant phenomena in the housing sector are aspirational infrastructure and gentrification. So the response to Lagos housing challenge is a co-Atlantic city, when it started we thought it was just an idea but people are living there now, very few people but people are living there but the thing is if a two bedroom apartment costs $710,000 not many people around the world can afford that but that is being sold as a solution to the Lagos housing challenge. Okay and for somebody who lives in an informal community that sees this thing because it's all over the place, the basic thing is we are no more people going to sleep tonight, the average Lagosian cannot see his or herself in what is being designed and then it takes us to what the government is providing and the government is targeting 14,000 units by the year 2020 which is a very low ambition and the conditions for providing these units are also very impractical because a 10 year loan 10 year with a 5% down payment at commercial rates is just not workable for most people and even the level of production is very low. If you have a target of 14,000 units by 2020 and you've only been able to produce about 1,500 alongside with cases of special displacements of many of the citizens then there's a big problem and then we have issues of local communities being displaced given the toga of informality. This is a village, a fishing village that just happened to end up being affected by the urban growth. And so in spite of a court judgment, we had eviction by fire, people died and this is what it is now. Periwinkle estates has been sold for about 50 million Naira and some people can afford it but not many people, less than 1% of Lagotians today can afford it but this is what is on the housing market. People are providing housing in the way they know how and what is dominant in Lagos is the power of cooperatives, their self-professional, there's cooperative land assembly, there's cooperative accessing of loans and people are able to pull resources in communities of trust to provide housing. And so I believe if we're going to work on housing, if we're going to find a workable solution to housing in Lagos, we need to step away from this romantic ideal of Lagos resembling Dubai in a few years and move from housing as an economic good to housing as a social good that responds to the needs of the residents, recognize the local agency and community practices of those who are currently working the housing according to the needs of the residents and then provide a flexible planning framework that doesn't continue to criminalize what people are doing for themselves. Thank you.