On a chilly January morning, a mist of gloom enveloped 47-year-old Neelam Bhujwan as she stared at her crumbling house in Joshimath. She is forced to live in rented accommodation for her home may collapse anytime. “My husband and I built this home with lot of dreams. He died a few years back and I have two young kids to support. I earn my livelihood by working in an Anganwadi. How long can I live in a rented house?” asks Bhujwan.