Every so often a report comes out that makes you stop and think. The latest HBF analysis is one of those moments. £9bn sitting unspent £3bn held for more than five years £2bn allocated for schools £700m set aside for affordable homes These numbers are not alarming to me. They are energising. They show how much potential is already in the system and how much can be turned into real schools, real homes and real community benefit. One line in the report stood out: “There is a gr