A/67/286 access to adequate housing for the various segments of society and in order to shield the housing sector from economic and financial shocks; (i) Legal and institutional frameworks should be created to ensure security of tenure for the various forms of tenure, including rental tenure; (j) Housing policies for low-income groups must be developed in consultation with these groups, who can best assess the systems that effectively meet their needs; (k) States are under the obligation to constantly assess the impact of their housing policies and to adjust, when necessary, policies that are detrimental to the progressive realization of the right to adequate housing without discrimination. States should allocate the necessary funds to facilitate effective monitoring at all stages of housing programmes; (l) In their ongoing assessment efforts, States should employ human rights indicators to identify trends that signal progress, stagnation or retrogression in the realization of the right to adequate housing. All indicators should be disaggregated by prohibited ground of discrimination in order to identify patterns of marginalization and discrimination; (m) States should take prompt measures to increase the availability of adequate housing options, particularly for those most affected by sub-prime and predatory mortgage lending. States should prioritize funding and construction of public housing and the promotion of housing assistance in order to address the impact of the economic and financial crises on the most vulnerable; (n) States should increase their expenditure on housing in order to circumvent the adverse impacts of the crises on the housing sector; (o) States should ensure that recovery measures do not further erode social housing programmes and policies. 12-45918 23