Contents // Acknowledgements vi // 1 Housing: Who Decides? Peter King and Michael Oxley 1 // 2 Individuals and Competence Peter King 9 // 3 Governments and Social Welfare Michael Oxley 70 // 4 Limiting the Role Of Government Peter King 125 // 5 Emphasising the Need for Policies Michael Oxley 149 // 6 Conclusions Peter King and Michael Oxley 171 // Notes 180 // Bibliography 184 // Index 190