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This week Nick and Kelvin discuss the recent lending data from the Reserve Bank, highlighting a significant increase in bank switching and refinancing activity. 

They explore the impact of cash incentives on borrower behavior and the implications for the housing market. 

The conversation also touches on insights from the Cotality decoding report, listener questions about spare capacity in the economy, and the dynamics of the labor market. 

The episode concludes with a preview of upcoming economic data releases, including the Cotality HVI and Q4 Labour Market stats. 

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This podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.