... and few people are able to get housing loans to buy private homes. The National Housing Federation expects that to happen.
Just to conclude, hon Chairperson ... I know that when I preside, I also sometimes request people to conclude. Let me conclude by saying that critical to human settlement is an energy-efficient environment that requires a systematic reduction of undesirable energy carriers and replacing them with less polluting ones. It is pertinent to state that the community and the individual are essential to developing human settlements. These are at the heart of delivering the state empowerment agenda. Progress has been made in areas related to sustainable human settlement. Quite a number of informal settlements have been formalised. Just to conclude ... [Laughter.] The portfolio committee will do its oversight function vigorously and honestly ...