It is noteworthy that the assistance we provide to our citizens in this regard - black and white - empowers them to become real estate owners for the first time; to become real participants in the capital markets as asset owners; to become real players in the property market as sellers or buyers as well as in the financial markets where they can borrow against their assets to advance other economic interests. Therefore, director-general, the need to speed up the issuing of title deeds to home owners can never be emphasised more. Let us deal with some challenges. The major challenge confronting human settlements is that of deracialising residential areas. For us, it is top of the list. This, more than anything else, reflects the real evil of apartheid social engineering, which motivated the United Nations in 1973 to pass a unanimous resolution declaring apartheid a crime against humanity. To undo this crime will take gigantic efforts over a long period, requiring major resources.