1.   Able-bodied people, he says, believe the problems disabled people have to overcome are predominantly physical.

2.   Access to housing Most housing departments failed to integrate disabled people into their allocation policies.

3.   An example of good practice in incorporating disabled people into an allocations policy was again provided by Rochdale Metropolitan Borough Council.

4.   As homeowners, disabled people are more likely than other households to experience poor housing conditions.

5.   But disabled people believe the biggest obstacles they face are mental ones-the prejudices and thoughtlessness of able-bodied people.

6.   By contrast disabled people and our organisations have called for staff to be paid proper wages.

7.   Critics say the policy puts mentally disabled people on to the streets and is part of the creeping privatisation of the health service.