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The full report, by Peter Williams, then Director of CCHPR, and Steve Wilcox, sets out a number of options for reform (including doing nothing) and focuses on two options that could provide a more effective and durable safety net for the years ahead. The most effective scheme would be a compulsory new state and private sector partnership, along the lines of the 'SHOP’ (Sustainable Home Ownership Partnership) scheme, as advocated in previous JRF reports.