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 But a great deal can be done in the direction of getting cheaper money, if we can persuade the Chancellor of the Exchequer to let us have it. If money can be borrowed from the Public Works Loan Commissioners for the building of houses at 1 per cent. less than from private sources, that 1 per cent., on a house costing £260, is equal to a saving of a shilling a week in the rent. There is a very good case indeed for getting more of this money, and the loan would be tolerably safe. To-day, if a municipality builds, it can get the whole amount at the lowest price—3½ per cent. A Public Utility Society, such as a Tenant Co-partnership Society, can get two-thirds of the value. An individual who wants to buy or build a house for himself can get four-fifths under the Small Dwellings Acquisition Act; but hardly anyone takes advantage of that Act, and probably most people are ignorant of it. A private speculative builder can get half, but if he has little capital of his own he needs more than half, and he can get more on mortgage.