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One thing that we are looking at is whether the current location is the best, not just from a financial point of view but from an engagement point of view.
That can be seen from the phenomenally successful designation of registered social landlords in 2019, which is now consistently one of our best-performing sectors under the legislation.
If a certain demographic of people do not trust the system and are excluded from solutions as a result, we will have failed to get the best out of a tool that has the potential to be incredibly impactful.