be asked to pay instalments suited to his circumstances. The principle is that everyone should make the strongest efforts to help himself and the department's limited resources be reserved for those unable to do so. Those able to get loans from other lending agencies, should do so. Those who cannot offer enough security to satisfy other lending agencies, but who still have the resources and ability to engage private contractors, should engage them and get their finance from the Department of Maori Affairs. This leaves the department free to provide those homes which, were it not for its own building organization, would never be built. With building costs as they are, a great effort has to be made by the people to save money for a home. Saving, either through the Post Office Savings Bank or by paying interest bearing deposits into the Department of Maori Affairs, should start early in life. Perhaps school savings accounts would be a useful beginning. Parents who build up their children's savings accounts are helping them with the house they will need later and at the same time are teaching them a useful habit. This might be something for Maori Women's Welfare Leagues to think about. There is no doubt that the social future of the Maori—and the standard of his housing—is largely bound up with his capacity to save. BELOW: A home built recently by the Department of Maori Affairs for a client in Hamilton. Its number in the plan service is 3/1, area 855 square feet and the cost of the house at present would vary from £2,100 to £2,300. LEFT: Floor plan. On the previous page and below are some homes built by the Department of Maori Affairs in and around Auckland; the floor plans (showing the plan numbers and the areas) are printed next to the photograph of each house Today's cost of all these homes would vary from £2,100 to £2,300.