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Director Keating responded that staff is preparing an analysis, based on the 700 policies and 120 objectives of the County's Comprehensive Plan, and that evaluation and appraisal report is due in 1997. Commissioner Bird reflected that we should progress with the philosophy that the least government is the best government. The County government will facilitate and enhance this plan, but the private sector will fill the primary role in the housing market and the landlord business. Commissioner Eggert agreed that the emphasis of the affordable housing incentive plan is to work with the private sector to aid the very low and low income families. We have many people employed in service businesses who have not been able to buy homes. Commissioner Macht opposed subsidization of housing because there are people in the moderate income category who obtain housing through normal procedures, and they are taxed again to subsidize housing for others in the same category. Commissioner Bird noted that the ultimate goal is to hold costs down across the board so that every category of income can afford to buy a home. Director Keating agreed that the purpose of the housing incentive plan is to avoid subsidization. Our plan is a revolving loan program with an applicable interest rate and is designed to encourage developers to construct affordable housing. The financial institutions are cooperating in setting up a home buyer education program for recipients of these funds. The County is coordinating with financial institutions, builders, and realtors to hold meetings, to encourage everyone to become familiar with the program and to promote interest in the program. Commissioner Bird stressed that we have thousands of existing affordable lots, and he saw this plan as a way for people to buy existing platted lots rather than start new subdivisions. Commissioner Adams asked, and Director Keating clarified that loans under this plan are not available for mobile homes. Commissioner Bird remarked that this program will have the most immediate influence in the area of utility impact fees. Chairman Tippin asked if anyone in the audience had questions or comments. Herndon Williams, resident of Vero Beach, was concerned about the free enterprise issue or the County competing with the private sector, and conceded that the Board addressed that subject. He also was concerned about County surplus property being made 29 oOK 91 F'U 876