kalli, what? www.bls.gov says 71% of all working people in the u.s. earn less than $50K/year and 40% of those earn less than $20K/year. these are the people that need 'affordable housing'. the rich will never build a single low cost house unless forced to by law. even the law on the books now, as i understand it, was amended to allow them to raise the 'low cost' amount from 50% of medium income to 140% or some such ridiculous figure. i am a vet and i cant even afford a room with shared bath in waianae. jean mooney has it right. the private sector greed is what created the shortage and keeps it going. eight thousand kakaako, multi million dollar units for the rich, not one affordable unit for the poor.