Reform in this area costs money. This restricts coverage to those who are most in need of social support. The monetisation of the substantial in-kind housing and utility support has so far been largely left untouched by regional authorities who cannot easily resolve the issue of waiting lists for affordable social housing, and do not have sufficient funds for in lieu cash payments to all eligible citizens. In all, monetisation has improved transparency in social support, but otherwise gains have been limited. The income-tested housing allowances, for example, have not grown dramatically in importance and spending remains at about 0.2% of GDP, a fraction of the estimated value of in-kind housing support.