So, I saved the housing domain until after Professor Garfinkel's session on platform floors and safety nets because I thought it would provide a useful illustration of this concept. So, now we're going to talk about the ways in which the social service system provides housing. Now, lots of housing is provided outside the social service system. People simply take money from their paychecks and pay brand, and people use their money and they buy housing. So, not all housing is related to social welfare, but many parts of housing are related to social welfare. So, let me talk about the parts that are related to social welfare. So, we have the building codes. So, building codes mean that buildings have safety, that they're not going to collapse, that they have appropriate ventilation, that they're made out of materials that won't sicken you, that they have fire exits, and so forth. And these we will call a floor program because they're provided to everyone. All houses in the United States are subject to building home regulations to make sure that the houses are safe. But, there's another part of this, which is the zoning regulations. And zoning says that on this land, you can only build this kind of a house, it has to have this many square feet, it has to be on this pin a lot. And often the zoning programs are platform programs because they benefit people who have some money, and they make sure that their neighborhoods look like the kind of neighborhoods they want to live in. So, there's an argument in the United States right now, that a reason we have a shortage of housing, and housing is so expensive, is because of these complex zoning structures. So, home ownership is another big part of our housing program. So, we have for a long time encouraged people to buy their homes. I talked about this earlier as part of the pension system, and this too is a platform program because you have to have a certain amount of income, a certain level of stability, a certain kind of down payment to purchase a home. So, there are many people in the society who will never be able to purchase a home. Home ownership is supported by government, and with fairly major dollars, it's one of the more expensive social welfare programs in tax expenditures by allowing homeowners to deduct the mortgage interest payments they make, which brings down the cost of the mortgage quite a lot. So, this is a significant piece of investment that federal government makes in social welfare. We provide housing for returning veterans, and then we have an entire division of government which assures that there will be mortgages, and then the mortgage was will be guaranteed at a relatively inexpensive price in Freddie Mac and Fannie Mae. So, all of these housing programs are platform programs. Then, we have a number of safety net housing programs, public housing where you have to demonstrate that your income is below a certain amount, section 8 programs where to get a voucher, your income has to be below a certain amount. We have housing vouchers and subsidized housing for seniors, subsidized housing for people with various sorts of disabilities. And so this is the safety net part of the housing system. So, as Professor Garfinkel was saying, this notion of safety net floors and platforms is kind of written into the American social welfare system, and we do spend a lot of our social welfare dollars on platform programs that benefit people who are relatively established and have reasonable incomes..