The United Nations has designated the first Monday in October of each year as World Habitat Day. This is a day to reflect on the state of our towns and cities and the basic right to adequate shelter for all. It is also intended to remind all of us of our collective responsibility for the future of the human habitat.

Each year, more than three million people experience homelessness. Millions of low-income American households have to pay more than 50 per cent of their income for rent when estimates say the figure should be no more than 30 per cent.