Until the last century, housing was not really a problem or at least not a social or societal problem. Only now has housing become a major concern as the modern mode of production evolved: separating home and work, worker and work place. Land shifted from the community to the individual and from place to product. Materials shifted from being locally (often freely) available to manufactured (often costly) products. Infrastructure shifted from public support to private enterprise. As is evident from the below diagram the market is geared towards individuals with high sources of income, those with enough affluence to purchase housing. Lines of credit form financial institutions can provide households with enough financial support to build or purchase their ideal home if they lack the means, while those who lack the economic strength can avail financial credit to rent or lease accommodation.