. Statement :

I. Persons of modest means try to have a house of their own.

II. Since buying or constructing a house is an expensive affair, they try to save money in all possible ways.

III. After years of saving, they realize that although they have saved the amount they had planned to save, it is not sufficient now for constructing a house. 

Conclusion: Growing rates of land and building material shatter their dream.

The conclusion drawn is