It threatens to create a sharp spike in rent arrears and lead to interest hikes on bank loans, but the Government remains committed to paying the new Universal Credit direct to social tenants, not landlords.But as we stand on the cusp of the biggest shake-up to the welfare state since Beveridge, a forum staged by the G15 group of housing associations, attended by Government welfare officials and chaired by 24housing magazine, reveals that amid reform and risk lies reward and opportunity. Ross Macmi...