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Guest blog: Derivatives governance – to swap, or not to swap?
- February 28, 2023
- Posted by: R
- Category: CT Blog
No CommentsDerivatives governance – to swap, or not to swap? by Patrick Alderman, Director at Link Group.
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CT Brief – Issue 64 – Governance & Finance
- February 23, 2023
- Posted by: R
- Categories: CT Blog, CT Brief
Welcome to our governance and finance special issue – CT Brief 64. Articles on governance, finance, ESG, mergers, residents, and more!
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Housing CEO WhatsApp summary – December 2022 – January 2023
- February 20, 2023
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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Guest blog: Time To Focus On Social Rents
- February 14, 2023
- Posted by: R
- Category: CT Blog
Government policy has stretched social housing rents so far that associations are struggling to maintain existing stock let alone build desperately needed new homes. Victor da Cunha, Group Chief Executive at Curo Group, discusses why it is time to focus on social rents.
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Slow burn: financial resilience under pressure
- February 10, 2023
- Posted by: R
- Category: CT Blog
CT’s Sue Harvey, Director, and Catherine Romney, Policy & Research Officer, explore the trends in RSH viability gradings and the role of stress-testing in managing material financial risks.
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Housing CEO WhatsApp summary – October – November
- December 20, 2022
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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CT Brief – Issue 63
- December 12, 2022
- Posted by: R
- Categories: CT Blog, CT Brief
We are really pleased to bring you the new CT Brief -Issue 63. The wide range of topics covered in this issue include organisational resilience, leadership, employment and staffing challenges, community, charities, health and homelessness, governance, and more!
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CT Brief 62 – Ireland special
- October 17, 2022
- Posted by: R
- Categories: CT Blog, CT Brief
We are really pleased to bring you the new CT Brief 62 – Ireland special. Articles including regulation, cost rental, homelessness, culture, and more!
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Housing CEO WhatsApp summary – August – September
- October 11, 2022
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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Non-profit social landlords should not pay for rent cap
- September 20, 2022
- Posted by: R
- Category: Published Articles
The government rent increase cap plan amounts to a tax on registered providers that will hit development and other vital works, warns CT Partner, Greg Campbell.
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CT Brief – Issue 61
- September 8, 2022
- Posted by: R
- Categories: All News, Business continuity, CT Blog, CT Brief
We are really pleased to bring you the new CT Brief – Issue 61. Articles on: diversity, decarbonisation, housing, recruitment, wellbeing & more!
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Housing CEO WhatsApp group digest summary – 1 August
- September 1, 2022
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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Campbell Tickell announces five new hires
- August 23, 2022
- Posted by: R
- Categories: Consultancy, CT News
September is starting with a bang for Campbell Tickell! We are please to announce five new hires who have joined CT to strengthen our team in a number of business streams.
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Housing CEO WhatsApp group digest summary – 30 June 2022
- June 30, 2022
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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CT Brief – Issue 60 – Local Government
- June 21, 2022
- Posted by: R
- Categories: All News, Business continuity, CT Blog, CT Brief
We are really pleased to bring you the new CT Brief – Issue 60: Local Government. Read about: complaints handling, job-sharing, decarbonisation & much more!
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Phil Newsam
- May 26, 2022
- Posted by: R
- Categories:
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Housing CEO WhatsApp group digest summary – 13 May 2022
- May 13, 2022
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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CT Brief – Issue 59 – Governance
- May 10, 2022
- Posted by: Sonia Black
- Categories: All News, Business continuity, CT Blog, CT Brief
We are really pleased to bring you the new CT Brief – Issue 59: Governance! Read about: housing refugees, ESG, cyber security, stress-testing & more.
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Rent setting: How to get it right
- April 11, 2022
- Posted by: R
- Categories: Business continuity, CT Blog
Based on the most common mistakes, Helen Routledge, Director, Campbell Tickell, outlines 10 questions to ensure you get your rent setting right.
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Rents and service charge review
- April 11, 2022
- Posted by: R
- Categories:
Campbell Tickell was initially commissioned by a substantial registered provider to help resolve queries by the Regulator on the Statistical Data Return and the level of rents charged during the 1% rent reductions. Find out how we did it and the outcomes.
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Housing CEO WhatsApp group digest summary – 22 March 2022
- March 28, 2022
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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CT Brief – Issue 58 – Health, Care and Support
- March 14, 2022
- Posted by: R
- Categories: All News, Business continuity, CT Blog, CT Brief
We are really pleased to bring you the new CT Brief – Issue 58: Health, Care and Support! Read about: housing refugees, homelessness, digital care services, mental health & more.
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Independent perception survey summary
- March 14, 2022
- Posted by: Zina Smith
- Categories: Business continuity, CT News
In late 2021, we commissioned our second external perception survey to test what people honestly think of Campbell Tickell. Find out more.
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What do CT’s clients think of us?
- March 10, 2022
- Posted by: R
- Categories: Business continuity, CT Blog
Here, CT Partner, Greg Campbell reflects on the results from our recent independent stakeholder survey, carried out by Creative Bridge.
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Housing CEO WhatsApp group digest summary – 1st Feb 2022
- February 3, 2022
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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CT Brief – Issue 57
- December 15, 2021
- Posted by: R
- Categories: All News, Business continuity, CT Blog, CT Brief
Season’s Greetings and welcome to our final edition for 2021 – CT Brief – Issue 57! Read about: decarbonisation, board leadership, tenant finance, football regulation and more.
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Video: CT-Fair4All Finance: Unlocking tenant financial resilience through partnerships
- December 8, 2021
- Posted by: R
- Category: Videos
This webinar focuses on our new joint report, Unlocking tenant financial resilience: Building partnerships between housing associations and community finance providers.
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Housing CEO WhatsApp group digest summary – 3 Dec 2021
- December 3, 2021
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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Carole Oliver
- November 29, 2021
- Posted by: R
- Categories:
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Consumer Price Index: Is 3.1% a good thing?
- October 21, 2021
- Posted by: Zina Smith
- Category: CT Blog
Here, CT Partner, Sue Harvey, discusses the rise in Consumer Price Index (CPI) and what analysis may be required by your finance team.
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Housing CEO WhatsApp group digest summary – 12 Oct 2021
- October 12, 2021
- Posted by: Zina Smith
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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CT Brief 56 – Ireland edition
- October 11, 2021
- Posted by: R
- Categories: All News, Business continuity, CT Blog, CT Brief
We are pleased to bring you the brand new CT Brief 56 – Ireland edition! Read about: Housing regulation, challenges for NI & ROI, homelessness, choice-based lettings & more.
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CT Brief wins ‘Best Publication’ at the CIPR Midlands PRide Awards 2021!
- October 7, 2021
- Posted by: R
- Categories: CT Brief, CT News
We are pleased to announce that the CT Brief, designed by See Media, just won ‘Best Publication’ at the CIPR Midlands Pride Awards 2021!
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CT Brief – Issue 55
- August 11, 2021
- Posted by: R
- Categories: All News, Business continuity, CT Blog, CT Brief
We are pleased to bring you the brand new CT Brief – Issue 55! Read about: diversity & recruitment, CEO wellbeing, resident engagement, football governance and more.
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Three hundred In Depth Assessments and counting!
- August 2, 2021
- Posted by: R
- Category: CT Blog
CT Partner, Sue Harvey, and Consultant Researcher, Annie Field, discuss a significant milestone in the Regulator for Social Housing’s IDA programme.
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Housing CEO WhatsApp group digest summary – 19 July 2021
- July 20, 2021
- Posted by: Zina Smith
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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Campbell Tickell appoints new director
- June 28, 2021
- Posted by: R
- Categories: Consultancy, CT News
Campbell Tickell is pleased to announce that Ceri Victory-Rowe has been promoted to Director.
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CT Brief – Issue 54: Diversity & Inclusion edition
- June 22, 2021
- Posted by: R
- Categories: All News, Business continuity, CT Blog, CT Brief
We are pleased to bring you the brand new CT Brief – Issue 54! Read about: racism in sport, shaping mindsets, diversity policies, board diversity, charity governance, work culture & more.
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Campbell Tickell launches online services and training offers
- April 27, 2021
- Posted by: R
- Categories: Business continuity, CT News, Working from home
We’ve launched our new online services and training directory, which outlines the wide range of online workshops, seminars and masterclasses that can be delivered by our experienced consultancy team.
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Campbell Tickell strengthens in-house team
- April 1, 2021
- Posted by: R
- Categories: Consultancy, CT News
Campbell Tickell is pleased to confirm that we are bringing in two long-standing associate consultants, Helen Routledge and Alistair Sharpe-Neal, into our in-house team, as well as promoting Senior Consultant Liz Zacharias to Director.
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Webinar recording: Moody’s UK Housing Association Issuer Briefing
- March 4, 2021
- Posted by: R
- Categories: Consultancy, CT Blog
What does 2021 look like for UK housing associations? Watch the webinar recording by Moody’s Investor’s Services.
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CT Brief – Issue 53: Care & Support edition
- February 16, 2021
- Posted by: R
- Categories: All News, Business continuity, CT Blog, CT Brief
We are pleased to bring you the brand new CT Brief – Issue 53! Read about: youth homelessness, Specialised Supported Housing, building safety & more.
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Housing CEO WhatsApp group digest update
- January 20, 2021
- Posted by: R
- Category: CT News
The updated digest of key topics discussed in Campbell Tickell’s CEO WhatsApp group is available to read. The group comprises of chief executives from housing associations and ALMOs across the UK and Republic of Ireland.
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CT Brief – Issue 52
- November 30, 2020
- Posted by: R
- Categories: All News, Business continuity, CT Brief
We are pleased to bring you the brand new CT Brief – Issue 52! Read about: sports governance and strategy; financial planning and stress-testing; getting your service charges right & more!
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CT Brief 51 – Ireland edition
- November 18, 2020
- Posted by: R
- Categories: All News, Business continuity, CT Brief
We are pleased to bring you the brand new CT Brief 51 – Ireland edition! Read about: regulation, approaches to building new homes, mental health, finance & more!
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Video: CT20: Unpacking the future
- November 4, 2020
- Posted by: R
- Categories: Business continuity, Videos
Last year we hosted our ‘CT20’ future-gazing event. A lot has happened since then. so we went back to speakers at that event, to invite them to tell us how they see aspects of our future now. Here is what some of them had to say.
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Online services & training
- October 22, 2020
- Posted by: Zina Smith
- Categories:
Effective governance requires quality conversations, often with external partners acting as a critical friend. Good governance means your organisation is well-structured, fulfils regulatory requirements, and has a sufficiently skilled Board. Great governance, however, is proactive and aspirational. It is about realising the overall vision and ensuring the Board drives demonstrable change and impact.
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CT Brief – Issue 50
- September 8, 2020
- Posted by: R
- Categories: All News, Business continuity, CT Brief
We are pleased to bring you the brand new CT Brief – 50th edition! Read about: Black Lives Matter, diversity, the retail sector and urban housing, homelessness, rents & more!
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Three key charts from Bank of England Monetary Policy Report
- August 6, 2020
- Posted by: R
- Categories: Consultancy, CT Blog
Sue Harvey, Partner at Campbell Tickell, discusses the three key charts from the newly published Bank of England Monetary Policy Report.
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Digest of Financial Planning Roundtable Discussions – May / June 2020
- June 22, 2020
- Posted by: R
- Categories: Consultancy, CT Blog
Over recent weeks Sue Harvey, Partner at Campbell Tickell, has hosted a series of round-table discussions with housing association CFOs and financial planning leads from our LinkedIn finance group. Read the latest digest from the discussions.
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Launching the CT Manifesto
- May 4, 2020
- Posted by: Zina Smith
- Categories: Business continuity, CT News
We believe there are three strategic pillars which should be shaping an ‘upstream’ response to the challenges and opportunities for organisations in this interstitial space. We call them the three Rs and they are: Reimagining, Resilience and Recovery.
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Lessons from history: This too will pass
- April 14, 2020
- Posted by: R
- Categories: Business continuity, CT Blog
James Tickell, Partner at Campbell Tickell sets out how we should all be planning for the future, in this introduction to CT’s new Scenario Planning tool.
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10 top tips for smooth regulatory returns
- February 14, 2020
- Posted by: Zina Smith
- Category: CT Blog
CT Partner, Sue Harvey outlines our top 10 tips for smooth regulatory returns.
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Eddie Magowan joins CT’s Ireland team
- February 10, 2020
- Posted by: R
- Category: CT News
Eddie Magowan recently joined CT’s Ireland team as Senior Associate Consultant, leading on our finance and risk work throughout Ireland.
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Finance, risk & assurance top tips from Sue Harvey
- February 3, 2020
- Posted by: R
- Category: CT Blog
Read CT Partner, Sue Harvey’s top tips on a key finance, risk & assurance issues facing housing associations.
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Staying clear of the cliff edge – do you have a plan?
- January 30, 2020
- Posted by: R
- Categories: CT Blog, CT News
Eddie Magowan, Senior Associate Consultant at Campbell Tickell, discusses how to strengthen financial leadership in your organisation.
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New deal, new decade for housing in Northern Ireland?
- January 10, 2020
- Posted by: Zina Smith
- Category: CT Blog
Following publication on Thursday 9th January of a new draft power-sharing agreement for Northern Ireland, CT Senior Associate Consultant Nicola McCrudden analyses what this could mean for housing.
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CT Brief – Issue 46: Health, Care & Support edition
- December 6, 2019
- Posted by: R
- Categories: All News, CT Brief
We are pleased to bring you the new CT Brief 46: Health, Care & Support edition.
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Mark Goldup
- October 11, 2019
- Posted by: R
- Categories:
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Glenn Smith
- October 11, 2019
- Posted by: R
- Categories:
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Roger Maddams
- October 11, 2019
- Posted by: R
- Categories:
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David D’Arcy
- October 11, 2019
- Posted by: R
- Categories:
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Jenny Swainson
- October 11, 2019
- Posted by: R
- Categories:
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Close to the edge: Northern Ireland’s welfare reforms
- October 3, 2019
- Posted by: R
- Category: CT Blog
Nicola McCrudden, Senior Consultant at Campbell Tickell details Northern Ireland’s welfare reforms.
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The view from Northern Ireland
- October 3, 2019
- Posted by: R
- Category: CT Blog
Paul Price, Director of Social Housing Policy and oversight and David Polley, Acting Director of Housing Supply Policy at the Department for Communities discuss current housing policy in Northern Ireland.
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CT Brief – Issue 45: Ireland edition
- October 3, 2019
- Posted by: R
- Categories: All News, CT Brief
We are pleased to bring you the new CT Brief – Issue 45: Ireland Edition.
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CT Brief – Issue 44: Diversity Focus
- September 17, 2019
- Posted by: R
- Categories: All News, CT Brief
We are pleased to bring you the new CT Brief – Issue 44: Diversity Focus!
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Dave Roberts
- September 2, 2019
- Posted by: R
- Categories:
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Eddie Magowan
- August 22, 2019
- Posted by: R
- Categories:
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Andrew Heywood
- August 22, 2019
- Posted by: R
- Categories:
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Brexit: identifying and managing the risks
- August 7, 2019
- Posted by: Zina Smith
- Category: CT Blog
Greg Campbell, Partner at CT, considers the risks posed by Brexit, and looks at how providers and developers of housing and care services can mitigate and manage them.
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Finance, governance, performance: setting standards
- June 19, 2019
- Posted by: R
- Category: CT Blog
Neil Bolton , Associate consultant at Campbell Tickell, outlines guidance to Approved Housing Bodies from Ireland’s Housing Agency.
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CT Brief – Issue 43
- June 18, 2019
- Posted by: Zina Smith
- Categories: All News, CT Brief
We are pleased to bring you the new CT Brief – Issue 43!
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CT Perception Survey Summary: What do our clients think of us?
- June 4, 2019
- Posted by: Zina Smith
- Categories: CT Blog, CT News
In late 2018, we commissioned our first external perception survey to test what people honestly think of Campbell Tickell. Find out more.
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CT Brief – Issue 42
- April 11, 2019
- Posted by: Zina Smith
- Categories: All News, CT Brief
We are pleased to bring you the new CT Brief – Issue 42!
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DevCo Risk Management Part 2: Don’t let your DevCo bite off more than you can chew
- April 4, 2019
- Posted by: Zina Smith
- Category: CT Blog
In this second part we take a closer look at hidden or disguised risks, and some of steps that RPs can take to ensure that their risk management framework evolves to adequately control new DevCo hazards.
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DevCo Risk Management Part 1: Dominos and Ricochets
- April 4, 2019
- Posted by: Zina Smith
- Category: CT Blog
In the first of a two-part guide to development company risk management, Sue Harvey outlines the potential contagion routes to registered providers, and the ‘dominos and ricochets’ that boards need to be aware of.
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Spot the Difference III: Regulating the Standards March 2019
- March 29, 2019
- Posted by: Zina Smith
- Categories: CT Blog, Reports
Sue Harvey, Partner at Campbell Tickell identifies the key changes to the updated Regulating the Standards document this March 2019.
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CT Brief – Issue 41: Health, Care & Support edition
- March 6, 2019
- Posted by: Zina Smith
- Categories: All News, CT Brief
We are pleased to bring you the new CT Brief – Issue 41: Health, Care & Support edition.
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2019: the year for plans A, B and C
- January 31, 2019
- Posted by: Zina Smith
- Category: CT Blog
Greg Campbell, CT Partner, outlines not only the need for Plan A, but also Plans B and C too in light of unpredictable circumstances.
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Housing stock: multi-coloured swap shop
- January 23, 2019
- Posted by: Zina Smith
- Category: CT Blog
CT Partner, David Williams, outlines the golden rules for organisations seeking to purchase stock.
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CT Brief – Issue 40
- January 18, 2019
- Posted by: Zina Smith
- Categories: All News, CT Brief
We are pleased to bring you the latest edition of CT Brief 40!
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Dispatches from the CT Risk & Assurance Masterclasses
- December 15, 2018
- Posted by: Zina Smith
- Categories: CT Blog, CT News
Jon Slade, Director at Campbell Tickell, reflects on key pointers from CT’s recent risk & assurance masterclasses.
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CT Brief – Issue 39: Charities edition
- November 12, 2018
- Posted by: Zina Smith
- Categories: All News, CT Brief
We are pleased to bring you the latest edition of CT Brief 39 – Charities edition.Great contributions from Acevo, Crisis, Concern Worldwide, English Heritage, Local Trust, NSPCC, Stonewall and more!
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Join CT’s Risk & Assurance Masterclasses this November
- October 23, 2018
- Posted by: Zina Smith
- Categories: CT Blog, CT News
Join Campbell Tickell Partner, Sue Harvey and Director, Jon Slade, along with great guest speakers, for a Risk & Assurance Masterclass this November.
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Social Housing Pension Scheme valuation results are in – what does it mean for you?
- October 22, 2018
- Posted by: Zina Smith
- Category: CT Blog
After a long wait, the results of the September 2017 valuation of the Social Housing Pension Scheme, or SHPS, are in. The headline is the deficit has increased to £1.5 billion. What does this mean for contributions? Guest writer, Richard Soldan, Partner at LCP, discusses.
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CT Brief – Issue 38: Ireland edition
- October 9, 2018
- Posted by: Zina Smith
- Category: CT Brief
We are pleased to bring you the latest edition of CT Brief 38: our first focused solely on key issues facing the sector across the island of Ireland.
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Can Approved Housing Bodies rebuild Ireland?
- October 9, 2018
- Posted by: Zina Smith
- Category: CT Blog
Kathleen McKillion, CT Senior Associate Consultant, examines the picture for Approved Housing Bodies in meeting affordable housing requirements in the Republic of Ireland.
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Housing challenges across the island of Ireland
- October 9, 2018
- Posted by: Zina Smith
- Category: CT Blog
Nicola McCrudden, our new CT Senior Associate Consultant, outlines the key challenges for housing providers across the North and South of Ireland.
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Campbell Tickell in Ireland
- October 9, 2018
- Posted by: Zina Smith
- Category: CT Blog
CT Partners, Greg Campbell and David Williams outline Campbell Tickell’s work across the island of Ireland and some of the key issues organisations face.
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Treasury to-do’s: your top-nine tasks
- October 1, 2018
- Posted by: Zina Smith
- Categories: CT Blog, Reports
Tariq Kazi, Associate Consultant at Campbell Tickell, identifies what you need on your treasury to-do list.
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Turbo-charging your audit committee
- September 17, 2018
- Posted by: Zina Smith
- Categories: CT Blog, Reports
Sue Harvey, Partner at Campbell Tickell, identifies what makes a top-performing audit committee.
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CT Brief – Issue 37
- September 17, 2018
- Posted by: Zina Smith
- Category: CT Brief
We are pleased to bring you the latest edition of CT Brief, Issue 37. Inside you’ll find a wide range of articles on key issues facing housing associations, councils, charities, and care & support organisations across the UK.
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Technical assurance – what should a board know?
- September 17, 2018
- Posted by: Zina Smith
- Category: CT Blog
Jon Slade, Director at Campbell Tickell asks how does your board gain assurance on technical matters?
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Right to Buy consultation
- August 23, 2018
- Posted by: Zina Smith
- Category: CT Blog
Maggie Rafalowicz, Director at Campbell Tickell, discusses key areas to consider for the Right to Buy consultation, closing 9 October 2018.
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Funding for Supported Housing…in the words of Liam Gallagher
- August 16, 2018
- Posted by: Zina Smith
- Categories: All News, CT Blog
I am bit of a ‘Johnny come lately’ when it relates to appreciation of Liam Gallagher’s song-writing and singing abilities. Having read the government’s Funding for Supported Housing Government response to two consultations, however, I am amazed by ‘our kid’s’ perceptiveness and understanding of our funding journey and its outcome.
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CT Brief – Issue 36
- June 22, 2018
- Posted by: Zina Smith
- Category: CT Brief
We are pleased to bring you the latest edition of CT Brief, Issue 36. Inside you’ll find a wide range of articles on key issues facing housing associations, councils, charities, care & support and sports organisations across the UK and Ireland.
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Sadiq Khan’s council house building programme – will it be effective?
- June 22, 2018
- Posted by: Zina Smith
- Category: CT Blog
Maggie Rafalowicz, Director at Campbell Tickell, discusses the potential of Sadiq Khan’s council house building scheme.
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CT Brief – Issue 35: Local Government
- May 9, 2018
- Posted by: Zina Smith
- Category: CT Brief
We are very pleased to bring you the latest edition of the CT Brief 35: Local Government. Inside you’ll find articles on key issues facing the sector including: collaboration and joint-working; growth and development; housing strategies; affordable housing plans; direct housing provision; homelessness; older persons housing; regeneration and more!
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Housing strategy: the return
- May 8, 2018
- Posted by: Zina Smith
- Category: CT Blog
Maggie Rafalowicz, Director at Campbell Tickell, outlines what a comprehensive and effective housing strategy looks like.
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