 So, keeping our focus on the PTI's Neha-Pakistan housing scheme, so, mortgages for poor will be difficult to get anywhere. So, not only in the city centre or high-rise building, even if mortgages are to be given to poor in areas which are far away from the city centre with less land price, it will be difficult for banks to give them the mortgages. The reason being that 68% of the urban working people live in informal, work in informal economy, which means that there will be no documents, no paperwork or cash transaction. So, there will be no history of employment, no history of income, no tax returns, no bank deposits. So, where will the banks place their evidence on? So, what criteria banks will follow to give loan to one person or to another when everybody no one has their documents? So, this is one of the areas which have to be focused on if we are focusing on low cost housing for the poor of Pakistan. The reason to make this near-Pakistan housing plan improve is that we have to encourage banks to increase mortgage lending as the mortgage lending is very low in Pakistan. If you look at this graph, while in the European countries, most of the countries are above 60% of GDP in mortgage loans. So, mortgage debt is 60% or more of GDP. In Switzerland, it's more than 140%. If you look at South Asia, it's very low as compared to other regions except for Africa. But even in South Asia, Pakistan's mortgage debt as compared to GDP is the lowest. So, we are below then Bhutan, India, Bangladesh and Sri Lanka. So, we have to increase the mortgage debt and mortgage lending. So, either we banks can increase lending or we can give more money to HPFC to lend more at concessional rates. HPFC meaning the House Building Finance Corporation or company. However, it will not be right to force the banks to give loans to the urban dwellers. They have to have their own criteria and they have because we have this example of the yellow cap scheme in the 1990s when banks were forced to give loans or give these new cars, automobiles to poor people without much concern about their affordability or return of the debt and it eventually led to the collapse of the scheme but not only the collapse of the scheme but billions of rupees lost to the banks. The issue which has to be dealt is to improve the success of this near Pakistan housing plan is the urban planning reform. So, unless this reform is part of the scheme, the scheme will not be succeed. So, they are in every major city, there are too many jurisdictions in one country. So, if we and this hampers the development of urban centers, every jurisdiction has different laws. So, in Lahore, we have the areas under Lahore Development Authority. We have areas under Lahore Metropolitan Corporation. We have areas under Walton Contourment. We have areas under Lahore Contourment. So, and then there is the peri-urban which is not under anyone. So, they are operating without any major approval from any major organization. So, unless until all these different localities or different jurisdictions come up with one or similar type of plans, this urban planning or housing shortage cannot be removed. The best way will be that to give power to the local governments. So, the PTI is moving toward that. So, they are, you know, if you look at the Local Government Act 2019, it has put the LDA under the jurisdiction of the Lahore Metropolitan Corporation. So, hopefully this movement will continue. Another thing which can be done is that how high-rise buildings will be make high-rise building mandatory in the city center so that the city center which is the best space in the urban area is utilized more. Then there should be laws for high-rise buildings so that they can operate efficiently and without much danger like, for example, fire hazards or other hazards. Of course, transport should also be part of any housing plan and there should be market solutions for middle-income groups. Politically, it will not be good but they are essential. So, more and more things, concessions have to be given and planning has to be changed to make this new Pakistan housing plan a success.