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</image:image><lastmod>2024-06-23T18:37:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2024/06/08/the-governor-said-what/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2024/06/image-8.png</image:loc><image:title>image-8</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2024/06/image-7.png</image:loc><image:title>image-7</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2024/06/image-6.png</image:loc><image:title>image-6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2024/06/image-5.png</image:loc><image:title>image-5</image:title></image:image><lastmod>2024-06-09T04:04:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2024/06/06/comparing-treasury-and-reserve-bank-forecasts/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2024/06/image-4.png</image:loc><image:title>image-4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2024/06/image-3.png</image:loc><image:title>image-3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2024/06/image-2.png</image:loc><image:title>image-2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2024/06/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2024/06/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2024-06-06T09:08:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2023/10/31/perhaps-unsurprisingly-there-was-nothing-there/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-98.png</image:loc><image:title>image-98</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-97.png</image:loc><image:title>image-97</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-96.png</image:loc><image:title>image-96</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-95.png</image:loc><image:title>image-95</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-94.png</image:loc><image:title>image-94</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-93.png</image:loc><image:title>image-93</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-92.png</image:loc><image:title>image-92</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-91.png</image:loc><image:title>image-91</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-90.png</image:loc><image:title>image-90</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2023/10/image-89.png</image:loc><image:title>image-89</image:title></image:image><lastmod>2024-05-29T20:16:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/06/if-you-assume-policy-is-powerful-you-can-justify-almost-anything/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/summary-cba.png</image:loc><image:title>summary 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age:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/06/image-4.png</image:loc><image:title>image-4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/06/image-3.png</image:loc><image:title>image-3</image:title></image:image><lastmod>2022-06-24T10:48:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/06/10/a-highly-inappropriate-appointment/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/06/image-2.png</image:loc><image:title>image-2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/06/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/06/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2022-06-20T21:54:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/30/central-bank-digital-currencies/</loc><lastmod>2022-06-01T04:52:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/05/26/reading-the-mps/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/image-8.png</image:loc><image:title>image-8</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/image-7.png</image:loc><image:title>image-7</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/image-6.png</image:loc><image:title>image-6</image:title></image:image><lastmod>2022-05-26T21:57:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/05/24/2022-vs-2008/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/image-5.png</image:loc><image:title>image-5</image:title></image:image><lastmod>2022-05-24T04:52:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2017/09/07/the-big-projected-deficits-in-2008/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2017/09/2008-budget-forecast-obegal.png</image:loc><image:title>2008 Budget forecast obegal</image:title></image:image><lastmod>2022-05-22T20:54:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/05/20/cavalier-policy-and-disconcerting-projections/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/image-4.png</image:loc><image:title>image-4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/image-3.png</image:loc><image:title>image-3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/image-2.png</image:loc><image:title>image-2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/image-1.png</image:loc><image:title>image-1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2022-05-24T23:20:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/05/17/what-if-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/cpi-and-gdp-deflator-since-1991.png</image:loc><image:title>CPI and GDP deflator since 1991</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/cpi-and-fac-model-since-1991.png</image:loc><image:title>CPI and fac model since 1991</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/cpi-since-2012.png</image:loc><image:title>CPI since 2012</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/05/cpi-since-1991.png</image:loc><image:title>CPI since 1991</image:title></image:image><lastmod>2022-05-18T21:22:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/05/09/what-if/</loc><lastmod>2022-05-16T03:37:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/04/28/an-update-and-a-book-recommendation/</loc><lastmod>2022-05-06T02:02:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/03/29/one-palliser-two-pallisers/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/03/pallisers.jpg</image:loc><image:title>pallisers</image:title></image:image><lastmod>2022-05-11T16:36:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/03/07/not-being-entirely-straightforward/</loc><lastmod>2022-03-27T18:52:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/02/24/frankly-simply-daft/</loc><lastmod>2022-02-24T06:28:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/02/23/the-monetary-policy-statement/</loc><lastmod>2022-02-24T08:33:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/02/22/what-the-mpc-should-do/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/real-mortgage-rates.png</image:loc><image:title>real mortgage rates</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/real-deposit-rates.png</image:loc><image:title>real deposit rates</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/nominal-int-rates.png</image:loc><image:title>nominal int rates</image:title></image:image><lastmod>2022-03-07T04:09:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/02/21/misleading/</loc><lastmod>2022-04-12T09:31:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/02/19/a-deteriorating-institution/</loc><lastmod>2022-02-22T00:44:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/02/16/expertise-and-the-mpc/</loc><lastmod>2022-02-18T23:26:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/02/11/forecasting-and-policy-mistakes/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/rb-inflation-forcs.png</image:loc><image:title>rb inflation forcs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/rb-u-forecasts.png</image:loc><image:title>RB U forecasts</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/macro-forecasts-tsy.png</image:loc><image:title>macro forecasts tsy</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/obegal.png</image:loc><image:title>obegal</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/expenses-of-gdp.png</image:loc><image:title>expenses % of GDP</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/expenses-bn.png</image:loc><image:title>expenses $bn</image:title></image:image><lastmod>2022-02-15T02:11:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/02/10/inflation-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/structural-balance-22.png</image:loc><image:title>structural balance 22</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/fisc-impulse.png</image:loc><image:title>fisc impulse</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/waste.png</image:loc><image:title>waste</image:title></image:image><lastmod>2022-03-15T22:29:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/02/07/long-live-our-noble-queen/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/royal-8.png</image:loc><image:title>royal 8</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/royal-7.png</image:loc><image:title>royal 7</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/royal-6.png</image:loc><image:title>royal 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/royal-5.png</image:loc><image:title>royal 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/royal-4.png</image:loc><image:title>royal 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/royal-3.png</image:loc><image:title>royal 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/royal-2.png</image:loc><image:title>royal 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/02/royal-1.png</image:loc><image:title>royal 1</image:title></image:image><lastmod>2022-02-09T00:47:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/01/28/inflation-monetary-policy-and-all-that/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/01/real-wage-growth.png</image:loc><image:title>real wage growth</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/01/inflation-and-wages.png</image:loc><image:title>inflation and wages</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/01/sec-fac-model-components.png</image:loc><image:title>sec fac model components</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/01/core-infl-and-target.png</image:loc><image:title>core infl and target</image:title></image:image><lastmod>2022-02-07T03:15:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/01/24/to-what-end/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/01/baker.png</image:loc><image:title>baker</image:title></image:image><lastmod>2022-02-10T16:44:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/01/20/central-bank-research/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/01/dps-adv-countries.png</image:loc><image:title>DPs adv countries</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/01/anglo-dps.png</image:loc><image:title>anglo DPs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2022/01/rb-dps.png</image:loc><image:title>RB DPs</image:title></image:image><lastmod>2022-01-24T03:41:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2022/01/14/a-sad-ending/</loc><lastmod>2022-01-16T22:18:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/12/22/reviewing-immigration-policy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/lear-1.png</image:loc><image:title>lear 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/lear-2.png</image:loc><image:title>lear 2</image:title></image:image><lastmod>2021-12-28T21:32:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/12/22/something-a-bit-odd-in-the-data/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/prod-dec-21.png</image:loc><image:title>prod dec 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/prod-dec-21-2.png</image:loc><image:title>prod dec 21 2</image:title></image:image><lastmod>2021-12-31T18:26:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/12/16/hyefu-bits-and-bobs/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/u-gap-tsy.png</image:loc><image:title>U gap Tsy</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/tsy-output-gap.png</image:loc><image:title>Tsy output gap</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/core-crown-expenses-hyefu-21.png</image:loc><image:title>core crown expenses hyefu 21</image:title></image:image><lastmod>2021-12-16T04:08:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/12/15/the-reserve-bank-appears-underwhelming/</loc><lastmod>2021-12-25T21:06:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/12/14/price-income-ratios/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/price-to-income-2-dec-21.png</image:loc><image:title>price to income 2 dec 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/price-to-income-dec-21.png</image:loc><image:title>price to income dec 21</image:title></image:image><lastmod>2021-12-15T03:10:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/12/09/lsap-losses/</loc><lastmod>2021-12-13T01:18:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/12/07/debt-and-deficits/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/primary-def-nz.png</image:loc><image:title>primary def nz</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/primary-defs.png</image:loc><image:title>primary defs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/gen-govt-small-and-big.png</image:loc><image:title>gen govt small and big</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/gen-govt-liabs.png</image:loc><image:title>gen govt liabs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/12/debt-2023.png</image:loc><image:title>debt 2023</image:title></image:image><lastmod>2021-12-06T22:08:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/12/04/submission-on-central-bank-digital-currencies/</loc><lastmod>2021-12-05T21:23:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/25/not-really-up-to-the-job/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/neutral-nov-21.png</image:loc><image:title>neutral nov 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/core-and-expecs.png</image:loc><image:title>core and expecs</image:title></image:image><lastmod>2021-12-05T21:25:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/23/interest-rates-3/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/implied-forward-5-year-rate.png</image:loc><image:title>implied forward 5 year rate</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/20-yr-yields.png</image:loc><image:title>20 yr yields</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/us-and-germany.png</image:loc><image:title>us and germany</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/2-yr-ahead-nov-21.png</image:loc><image:title>2 yr ahead nov 21</image:title></image:image><lastmod>2021-11-27T06:23:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/18/lallys-paper-on-a-cost-benefit-analysis-of-covid-vaccine-mandates/</loc><lastmod>2021-11-28T10:36:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/17/5-7-billion/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/lsap-losses.png</image:loc><image:title>lsap losses</image:title></image:image><lastmod>2021-11-19T03:50:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/16/reserve-bank-people/</loc><lastmod>2021-11-16T04:16:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/15/a-cost-benefit-approach-to-thinking-about-vaccine-coercion/</loc><lastmod>2021-11-15T21:27:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/10/productivity-commission-at-sea/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/pc-wider.png</image:loc><image:title>PC wider</image:title></image:image><lastmod>2023-10-22T01:20:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/09/the-beehive-will-have-been-happy-i-suppose/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/reddell-hypothesis.png</image:loc><image:title>Reddell hypothesis</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/prod-comm-summary.png</image:loc><image:title>prod comm summary</image:title></image:image><lastmod>2021-11-10T00:56:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/06/house-and-land-prices/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/res-nov-21.png</image:loc><image:title>res nov 21</image:title></image:image><lastmod>2021-11-10T00:05:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/04/walking-the-path/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/nzi-nov-21.png</image:loc><image:title>nzi nov 21</image:title></image:image><lastmod>2021-12-02T03:22:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/03/half-a-million-a-head/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/scenario-productivity-1.png</image:loc><image:title>scenario productivity 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/caygill-1989-expectations.png</image:loc><image:title>caygill 1989 expectations</image:title></image:image><lastmod>2021-11-03T21:45:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/11/02/pushing-down-the-league-tables/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/the-next-three.png</image:loc><image:title>the next three</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/11/oecd-gdp-phw-2020.png</image:loc><image:title>OECD GDP phw 2020</image:title></image:image><lastmod>2021-11-02T05:10:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/10/26/massive-losses-for-nothing/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/long-bonds.png</image:loc><image:title>long bonds</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/csa-balance.png</image:loc><image:title>CSA balance</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/govt-bond-yields.png</image:loc><image:title>govt bond yields</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/lsap-indemnity-claims.png</image:loc><image:title>LSAP indemnity claims</image:title></image:image><lastmod>2021-10-30T02:32:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/10/20/the-money-illusion/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/aus-nom-gdp.png</image:loc><image:title>aus nom GDP</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/nz-nom-gdp.png</image:loc><image:title>nz nom GDP</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/us-ngdp.png</image:loc><image:title>us ngdp</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/tips-08.png</image:loc><image:title>TIPS 08</image:title></image:image><lastmod>2021-10-22T00:37:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/10/19/inflation-and-monetary-policy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/change-in-core.png</image:loc><image:title>change in core</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/core-change.png</image:loc><image:title>core change</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/core-oct-21.png</image:loc><image:title>core oct 21</image:title></image:image><lastmod>2021-10-23T17:17:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/10/05/monetary-policy-expectations-etc/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/10/expecs-and-core-inflation.png</image:loc><image:title>expecs and core inflation</image:title></image:image><lastmod>2021-10-23T06:18:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/09/30/vaccinations-by-age/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/aus-vacc-rates.png</image:loc><image:title>aus vacc rates</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/vacc-rates-by-snz-age.png</image:loc><image:title>vacc rates by SNZ age</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/2nd-dose-vacc-rates-by-age-1.png</image:loc><image:title>2nd dose vacc rates by age</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/2nd-dose-vacc-rates-by-age.png</image:loc><image:title>2nd dose vacc rates by age</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/vaccination-rates-hsu-vs-snz.png</image:loc><image:title>vaccination rates hsu vs snz</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/hsu-popn.png</image:loc><image:title>hsu popn</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/moh-vaccine-by-age.png</image:loc><image:title>moh vaccine by age</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/age-factor-covid-death.png</image:loc><image:title>age factor covid death</image:title></image:image><lastmod>2021-10-17T08:37:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/09/29/health-spending/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/govt-spending-and-health.png</image:loc><image:title>govt spending and health</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/health-2020-oecd.png</image:loc><image:title>health 2020 oecd</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/health-spend-as-of-gdp.png</image:loc><image:title>health spend as % of GDP</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/health-and-primary-spending.png</image:loc><image:title>health and primary spending</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/health-by-govt.png</image:loc><image:title>health by govt</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/nom-gdp-vol.png</image:loc><image:title>nom GDP vol</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/health-spend-of-gdp-sept-21.png</image:loc><image:title>health spend % of GDp sept 21</image:title></image:image><lastmod>2021-09-30T08:48:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/09/22/illusions-of-history/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/caygill-1989-expectations.png</image:loc><image:title>caygill 1989 expectations</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/bryce-4.png</image:loc><image:title>bryce 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/bryce-3.png</image:loc><image:title>bryce 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/bryce2.png</image:loc><image:title>bryce2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/bryce-1.png</image:loc><image:title>bryce 1</image:title></image:image><lastmod>2021-09-28T00:05:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/09/20/puzzling-over-the-new-zealand-macro-data/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/aus-popn-components.png</image:loc><image:title>Aus popn components</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/arrivals-and-departures.png</image:loc><image:title>arrivals and departures</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/popn-components-nz.png</image:loc><image:title>popn components nz</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/real-gdp-phw-june-21-2.png</image:loc><image:title>real GDP phw june 21 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/real-gdp-phw-to-june-21.png</image:loc><image:title>real GDP phw to june 21</image:title></image:image><lastmod>2021-09-23T20:57:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/09/17/tightening-lvr-restrictions/</loc><lastmod>2021-09-18T01:52:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/09/10/ussr-russia-and-china/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/prod-comparisons-russia.png</image:loc><image:title>prod comparisons russia</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/former-eastern-bloc.png</image:loc><image:title>former eastern bloc</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/former-ussr.png</image:loc><image:title>former USSR</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/09/russian-and-china.png</image:loc><image:title>russian and china</image:title></image:image><lastmod>2021-09-18T23:45:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/09/07/housing/</loc><lastmod>2021-09-22T12:48:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/09/03/borders/</loc><lastmod>2021-10-06T01:44:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/08/30/reading-michael-cullen/</loc><lastmod>2021-09-02T20:44:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/08/27/costs-benefits-etc/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/covid-gdp-losses.png</image:loc><image:title>covid GDP losses</image:title></image:image><lastmod>2021-09-16T22:36:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/08/25/mpc-members-speaking/</loc><lastmod>2021-08-31T03:13:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/08/24/rising-house-prices-do-not-make-new-zealanders-better-off/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/consumption-and-ndi.png</image:loc><image:title>consumption and NDI</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/house-prices-aug-21.png</image:loc><image:title>house prices aug 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/rb-house-prices.png</image:loc><image:title>RB house prices</image:title></image:image><lastmod>2021-11-07T17:36:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/08/20/funding-for-lending/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/ffl.png</image:loc><image:title>FFL</image:title></image:image><lastmod>2021-08-22T00:24:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/08/19/on-the-mps/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/mps-productivity.png</image:loc><image:title>MPS productivity</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/house-prices-mps.png</image:loc><image:title>house prices MPS</image:title></image:image><lastmod>2021-08-19T09:09:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/08/17/looking-towards-the-mps-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/household-expecs-21.png</image:loc><image:title>household expecs 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/lci-private.png</image:loc><image:title>LCI private</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/shadow-board-aug-21.png</image:loc><image:title>shadow board aug 21</image:title></image:image><lastmod>2021-08-17T18:25:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/08/09/perspectives-on-new-zealand-immigration-policy/</loc><lastmod>2021-08-20T05:05:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/08/05/should-have-done-better/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/iod1.png</image:loc><image:title>IOD1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/08/iod2.png</image:loc><image:title>IOD2</image:title></image:image><lastmod>2021-08-06T06:50:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/07/28/checking-the-gap/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/german-indexed-bond.png</image:loc><image:title>german indexed bond</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/real-2021-2.png</image:loc><image:title>real 2021 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/real-2021-1.png</image:loc><image:title>real 2021 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/int-rate-diffs-to-2021.png</image:loc><image:title>int rate diffs to 2021</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/int-diffs-to-2014.png</image:loc><image:title>int diffs to 2014</image:title></image:image><lastmod>2021-07-27T21:53:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/07/08/thinking-about-monetary-policy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/indemnity.png</image:loc><image:title>indemnity</image:title></image:image><lastmod>2021-08-09T05:09:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/07/07/some-economic-effects-of-immigration/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/mcd-2.png</image:loc><image:title>mcd 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/mcd-1.png</image:loc><image:title>mcd 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/anz-m-3.png</image:loc><image:title>anz m 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/anz-m-2.png</image:loc><image:title>anz m 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/anz-m-1.png</image:loc><image:title>ANZ M 1</image:title></image:image><lastmod>2021-07-08T14:13:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/07/06/long-term-spending-and-revenue/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/ltfs-2021-2.png</image:loc><image:title>LTFS 2021 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/ltfs-2021.png</image:loc><image:title>LTFS 2021</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/health-2021.png</image:loc><image:title>health 2021</image:title></image:image><lastmod>2021-07-07T03:32:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/07/02/inconsistent-with-the-scale-of-the-challenge/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/gfg.png</image:loc><image:title>Gfg</image:title></image:image><lastmod>2021-07-15T08:28:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/07/01/immigration-policy-economics-and-evidence/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/canada-us.png</image:loc><image:title>canada us</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/07/israel-productivity.png</image:loc><image:title>israel productivity</image:title></image:image><lastmod>2021-10-11T18:28:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/06/28/public-opinion-on-covid-policy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/pew-10.png</image:loc><image:title>pew 10</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/pew-9.png</image:loc><image:title>pew 9</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/pew-8.png</image:loc><image:title>pew 8</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/pew-7.png</image:loc><image:title>pew 7</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/pew-6.png</image:loc><image:title>pew 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/pew-5.png</image:loc><image:title>pew 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/pew-4.png</image:loc><image:title>pew 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/pew-3.png</image:loc><image:title>pew 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/pew-1.png</image:loc><image:title>pew 1</image:title></image:image><lastmod>2021-06-30T19:51:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/06/24/fiscal-policy-in-the-wake-of-covid/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/leeper-2.png</image:loc><image:title>leeper 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/leeper.png</image:loc><image:title>leeper</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/mcl-2.png</image:loc><image:title>mcl 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/mcl-1.png</image:loc><image:title>mcl 1</image:title></image:image><lastmod>2021-06-26T21:15:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/06/21/making-sense-of-the-national-accounts/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/nz-per-capita.png</image:loc><image:title>nz per capita</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/aus-08.png</image:loc><image:title>aus 08</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/aus-gdp-2.png</image:loc><image:title>Aus GDP 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/aus-gdp.png</image:loc><image:title>aus GDP</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/real-gdp-phw-june-21.png</image:loc><image:title>real GDP phw June 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/gdp-more-recent.png</image:loc><image:title>GDP more recent</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/gdp-long-term.png</image:loc><image:title>GDP long term</image:title></image:image><lastmod>2021-06-21T04:33:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/06/18/immigration-policy-for-new-zealand-post-covid/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/visa-2.png</image:loc><image:title>visa 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/visa-1.png</image:loc><image:title>visa 1</image:title></image:image><lastmod>2021-06-22T20:32:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/06/08/colonial-constructs/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/imf-real-gdp.png</image:loc><image:title>IMF real GDP</image:title></image:image><lastmod>2021-06-20T11:52:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/06/03/participating-in-the-labour-market-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/65-partic.png</image:loc><image:title>65+ partic</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/65-69.png</image:loc><image:title>65-69</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/55-64.png</image:loc><image:title>55-64</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/prime-age.png</image:loc><image:title>prime age</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/15-24.png</image:loc><image:title>15-24</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/06/oecd-partic-rates-since-86.png</image:loc><image:title>OECD partic rates since 86</image:title></image:image><lastmod>2021-06-07T18:40:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/06/01/the-prc-and-all-that/</loc><lastmod>2021-06-26T20:30:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/31/teaching-new-zealand-history/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/holland.jpg</image:loc><image:title>Holland</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/freyberg.jpg</image:loc><image:title>freyberg</image:title></image:image><lastmod>2023-02-27T15:33:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/27/monetary-policy-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/us-inflation-breakevens-5yr-may-21.png</image:loc><image:title>US inflation breakevens 5yr may 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/infl-expecs-may-21.png</image:loc><image:title>infl expecs may 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/core-inflation-rb.png</image:loc><image:title>core inflation RB</image:title></image:image><lastmod>2021-05-28T20:10:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/26/a-real-interest-rates-and-b-nzers-migration/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/nz-citizen-migration-quarterly.png</image:loc><image:title>nz citizen migration quarterly</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/nz-citizen-migration.png</image:loc><image:title>NZ citizen migration</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/iib-yields-since-95.png</image:loc><image:title>IIB yields since 95</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/real-nz-bond-yield-since-70.png</image:loc><image:title>real NZ bond yield since 70</image:title></image:image><lastmod>2021-05-30T19:22:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/25/a-bit-more-on-fiscal-policy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/uk-and-us-balances.png</image:loc><image:title>uk and us balances</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/short-term-fiscal.png</image:loc><image:title>short term fiscal</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/fiscal-intentions-21.png</image:loc><image:title>fiscal intentions 21</image:title></image:image><lastmod>2021-10-06T07:07:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/24/a-questionable-budget/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/export-import-shares.png</image:loc><image:title>export import shares</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/bus-investment-21.png</image:loc><image:title>bus investment 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/productivity-growth-budget-21.png</image:loc><image:title>productivity growth budget 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/tsy-primary-balance.png</image:loc><image:title>Tsy primary balance</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/cab-oecd.png</image:loc><image:title>CAB OECD</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/cab-primary.png</image:loc><image:title>CAB primary</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/brr1.png</image:loc><image:title>BRR1</image:title></image:image><lastmod>2021-05-25T03:47:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/20/much-better-analysis-needed/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/an212.png</image:loc><image:title>AN212</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/an211.png</image:loc><image:title>AN211</image:title></image:image><lastmod>2021-05-20T05:35:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/18/at-least-60-per-cent/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/non-citizen-contrib.png</image:loc><image:title>non-citizen contrib</image:title></image:image><lastmod>2021-05-21T04:22:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/13/productivity-growth-failures-and-successes/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/romania-maddison.png</image:loc><image:title>romania maddison</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/romania-popn.png</image:loc><image:title>romania popn</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/romania-hrs.png</image:loc><image:title>Romania hrs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/prod-growth-advanced.png</image:loc><image:title>prod growth advanced</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/romania-21.png</image:loc><image:title>romania 21</image:title></image:image><lastmod>2021-05-29T06:07:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/07/banks-housing-lending-and-fixing-housing/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/sec-lending.png</image:loc><image:title>sec lending</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/lending-to-households.png</image:loc><image:title>lending to households</image:title></image:image><lastmod>2021-06-06T13:49:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/06/lacking-in-serious-analysis-not-well-grounded-in-law/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/fsr-21-2.png</image:loc><image:title>FSR 21 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/rb-sense.png</image:loc><image:title>RB sense</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/fsr-21.png</image:loc><image:title>FSR 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/68b.png</image:loc><image:title>68b</image:title></image:image><lastmod>2021-05-06T23:11:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/05/04/fearful-or-values-free/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/edwards.png</image:loc><image:title>edwards</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/05/finny-21.png</image:loc><image:title>finny 21</image:title></image:image><lastmod>2021-05-15T21:42:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/04/30/central-bank-independence/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/hickey-2.png</image:loc><image:title>hickey 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/standards-2.png</image:loc><image:title>standards 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/standards-1.png</image:loc><image:title>standards 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/hickey-rbnz.png</image:loc><image:title>hickey rbnz</image:title></image:image><lastmod>2021-05-02T22:49:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/04/29/economic-coercion/</loc><lastmod>2021-05-04T19:50:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/04/27/listening-to-mahuta/</loc><lastmod>2021-04-28T09:38:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/04/23/regulating-lending/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/tucker2.png</image:loc><image:title>tucker2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/dta-standards.png</image:loc><image:title>DTA standards</image:title></image:image><lastmod>2021-05-21T03:58:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/04/22/inflation/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/oecd-core-inflation-apr-21-1.png</image:loc><image:title>OECD core inflation apr 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/oecd-core-inflation-apr-21.png</image:loc><image:title>OECD core inflation apr 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/core-inflation-apr-21-1.png</image:loc><image:title>core inflation apr 21</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/5x5.png</image:loc><image:title>5x5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/core-inflation-apr-21.png</image:loc><image:title>core inflation apr 21</image:title></image:image><lastmod>2021-04-29T01:26:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/04/20/just-dreadful/</loc><lastmod>2021-04-25T05:51:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/04/12/forecasting-failure/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/imf-projections-for-nz-and-productivity-peers.png</image:loc><image:title>IMF projections for NZ and productivity peers</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/imf-aus.png</image:loc><image:title>imf aus</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/imf-projections-for-nz.png</image:loc><image:title>IMF projections for NZ</image:title></image:image><lastmod>2021-04-20T03:44:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/04/09/holding-senior-officials-to-high-standards/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/hughes-6.png</image:loc><image:title>hughes 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/hughes-5.png</image:loc><image:title>hughes 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/hughes-4.png</image:loc><image:title>hughes 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/hughes-3.png</image:loc><image:title>hughes 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/hughes-2.png</image:loc><image:title>hughes 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/hughes-1.png</image:loc><image:title>hughes 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/bloomfield-5.png</image:loc><image:title>bloomfield 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/bloomfield-6.png</image:loc><image:title>bloomfield 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/04/bloomfield-4.png</image:loc><image:title>bloomfield 4</image:title></image:image><lastmod>2022-04-06T22:13:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/03/31/exporting-how-does-nz-compare/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/03/exports-7.png</image:loc><image:title>exports 7</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/03/exports-6.png</image:loc><image:title>exports 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/03/exports-5.png</image:loc><image:title>exports 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/03/exports-4.png</image:loc><image:title>exports 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/03/exports-3.png</image:loc><image:title>exports 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/03/exports-1.png</image:loc><image:title>exports 1</image:title></image:image><lastmod>2021-04-09T20:38:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/03/29/grant-robertson-on-housing/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/03/us-and-nz-house-prices.png</image:loc><image:title>us and nz house prices</image:title></image:image><lastmod>2021-04-17T20:10:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/03/24/messing-around-with-housing/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/03/bis-real-house-prices.png</image:loc><image:title>BIS real house prices</image:title></image:image><lastmod>2021-04-08T22:37:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/03/22/questions/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/03/two-gdp-measure.png</image:loc><image:title>two GDP measure</image:title></image:image><lastmod>2021-03-22T01:18:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/03/19/free-up-the-land/</loc><lastmod>2021-03-22T23:08:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/03/16/what-the-imf-has-advised/</loc><lastmod>2021-03-16T04:06:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/03/15/housing-house-prices-and-the-like/</loc><lastmod>2021-04-29T08:03:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/03/11/negative-rates-and-the-option-of-more/</loc><lastmod>2021-03-12T20:50:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/02/25/not-that-good-really/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/02/strategy.png</image:loc><image:title>strategy</image:title></image:image><lastmod>2021-03-05T08:36:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/03/04/no-idea-apparently-probably-not-much-interest/</loc><lastmod>2021-04-07T09:38:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/02/22/monetary-policy/</loc><lastmod>2021-02-22T02:36:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/02/09/not-really/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/02/orr-10-mar-5.png</image:loc><image:title>orr 10 mar 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/02/orr-trans-mech.png</image:loc><image:title>orr trans mech</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/02/orr-10-mar-4.png</image:loc><image:title>orr 10 mar 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/02/orr-10-mar-3.png</image:loc><image:title>orr 10 mar 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/02/orr-10-mar-2.png</image:loc><image:title>orr 10 mar 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/02/orr-10-mar-1.png</image:loc><image:title>orr 10 mar 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/02/asset-prices-rb-tsy.png</image:loc><image:title>asset prices RB TSy</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2021/02/distrib-impact.png</image:loc><image:title>distrib impact</image:title></image:image><lastmod>2021-02-20T16:03:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/02/04/reforming-the-reserve-bank-continued/</loc><lastmod>2021-02-04T08:54:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2021/01/26/a-year-on/</loc><lastmod>2021-02-02T10:27:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/12/21/productivity-productivity-commission-and-all-that/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/12/productivity-07-to-19.png</image:loc><image:title>productivity 07 to 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/12/mix-of-econ-data.png</image:loc><image:title>mix of econ data</image:title></image:image><lastmod>2021-02-10T05:08:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/12/14/monetary-policy-in-2020/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/12/ecb-inflation.png</image:loc><image:title>ECB inflation</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/12/activity-over-substance.png</image:loc><image:title>activity over substance</image:title></image:image><lastmod>2021-01-16T00:08:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/01/23/fines/</loc><lastmod>2020-12-09T21:10:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/12/02/could-do-better/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/12/reddell-immigration-specifics.png</image:loc><image:title>reddell immigration specifics</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/12/fry-and-wilson-2.png</image:loc><image:title>fry and wilson 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/12/fry-and-wilson-key-points.png</image:loc><image:title>Fry and Wilson key points</image:title></image:image><lastmod>2021-06-04T19:37:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/11/26/robertson-playing-distraction/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/11/milnes-rb.png</image:loc><image:title>milnes rb</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/11/rb-on-housing.png</image:loc><image:title>RB on housing</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/11/mof-letter.png</image:loc><image:title>mof letter</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/11/4b.png</image:loc><image:title>4b</image:title></image:image><lastmod>2020-12-01T08:38:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/11/18/funding-for-lending-and-other-myths/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/11/flp-2.png</image:loc><image:title>FLP 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/11/flp-1.png</image:loc><image:title>FLP 1</image:title></image:image><lastmod>2021-01-19T14:04:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/11/12/not-doing-their-core-job/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/11/rb-inflation-expecs-nov-2020.png</image:loc><image:title>RB inflation expecs nov 2020</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/11/rb-forecasts-cpi.png</image:loc><image:title>RB forecasts CPI</image:title></image:image><lastmod>2020-12-02T23:34:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/10/22/coda/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/10/imf-weo-0ct-20.png</image:loc><image:title>IMF WEO 0ct 20</image:title></image:image><lastmod>2020-11-08T17:30:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/10/15/the-prc-and-our-politicians/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/10/labour-ethics.png</image:loc><image:title>labour ethics</image:title></image:image><lastmod>2020-11-11T05:42:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/china-prc/</loc><lastmod>2020-10-14T20:51:48+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://croakingcassandra.com/2020/10/13/housing-the-reserve-bank-and-interest-rates/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/10/housing-and-c-2.png</image:loc><image:title>housing and c 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/10/housing-and-c.png</image:loc><image:title>housing and C</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/10/ha-quote-on-housing.png</image:loc><image:title>ha quote on housing</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/10/yuong-ha.jpg</image:loc><image:title>yuong ha</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/10/ha-apr-20.png</image:loc><image:title>ha apr 20</image:title></image:image><lastmod>2020-12-03T02:31:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/10/07/having-the-governors-back/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/10/rb-salaries.png</image:loc><image:title>RB salaries</image:title></image:image><lastmod>2020-10-08T22:37:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/10/08/debating-the-economy/</loc><lastmod>2020-11-29T20:17:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/10/06/and-so-another-term-passes-and-nothing-changes-for-the-better/</loc><lastmod>2020-10-07T21:22:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/30/bleak-passivity/</loc><lastmod>2020-09-30T19:06:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/29/complacent-and-complicit/</loc><lastmod>2020-09-29T21:30:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/23/house-prices-2/</loc><lastmod>2021-01-21T21:00:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/22/technology/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/tech-exports-2020.png</image:loc><image:title>tech exports 2020</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/tech-exports.png</image:loc><image:title>tech exports</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/etm.png</image:loc><image:title>ETM</image:title></image:image><lastmod>2020-09-26T20:19:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/21/productivity-and-politicians-who-no-longer-care/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/e-europe-sept-20.png</image:loc><image:title>e europe sept 20</image:title></image:image><lastmod>2020-10-01T01:28:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/17/prefu-thoughts/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/scenario-prefu.png</image:loc><image:title>scenario PREFU</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/cab-ex-covid.png</image:loc><image:title>CAB ex covid</image:title></image:image><lastmod>2020-09-19T01:29:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/16/productivity-and-gdp/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/aus-covid-productivity.png</image:loc><image:title>aus covid productivity</image:title></image:image><lastmod>2020-09-18T00:32:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/15/what-difference-did-lockdowns-make/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/gibson-3.png</image:loc><image:title>gibson 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/gibson-2.png</image:loc><image:title>gibson 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/gibson-1.png</image:loc><image:title>Gibson 1</image:title></image:image><lastmod>2020-09-18T18:39:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/09/more-facts/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/facts-7.png</image:loc><image:title>facts 7</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/facts-6.png</image:loc><image:title>facts 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/facts-5.png</image:loc><image:title>facts 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/facts-4.png</image:loc><image:title>facts 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/facts-3.png</image:loc><image:title>facts 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/facts-2.png</image:loc><image:title>facts 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/facts.png</image:loc><image:title>facts</image:title></image:image><lastmod>2020-09-16T22:04:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/08/lsap-deposits-bonds-house-prices-etc/</loc><lastmod>2020-09-13T14:20:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/09/07/pandemic-income-insurance/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/tsy-pandemic-3.png</image:loc><image:title>tsy pandemic 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/tsy-pandemic-2.png</image:loc><image:title>tsy pandemic 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/09/tsy-pandemic.png</image:loc><image:title>tsy 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yield</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/07/long-term-breakevens.png</image:loc><image:title>long-term breakevens</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/07/2-yr-expecs-july-2020.png</image:loc><image:title>2 yr expecs july 2020</image:title></image:image><lastmod>2020-08-04T21:45:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/07/27/empty-vessels/</loc><lastmod>2020-07-28T04:48:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/07/23/credit-conditions-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/07/cc-factors.png</image:loc><image:title>cc factors</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/07/cc-agric.png</image:loc><image:title>cc 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1</image:title></image:image><lastmod>2020-06-29T22:35:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/06/18/measuring-how-much-monetary-policy-has-eased/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/ssr3.png</image:loc><image:title>SSR3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/ssr2.png</image:loc><image:title>SSR2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/ssr.png</image:loc><image:title>SSR</image:title></image:image><lastmod>2020-06-18T21:55:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/06/16/me-too/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/public-works2.png</image:loc><image:title>public 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3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/gunther-2.png</image:loc><image:title>gunther 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/gunther-1.png</image:loc><image:title>gunther 1</image:title></image:image><lastmod>2020-06-11T19:38:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/06/08/recovering/</loc><lastmod>2020-06-15T21:52:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/06/04/small-economies/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/forbes-2000.png</image:loc><image:title>Forbes 2000</image:title></image:image><lastmod>2020-06-15T21:37:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/06/03/regional-economies/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/gross-film-rev-2012.png</image:loc><image:title>gross film rev 2012</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/gross-film-revenue.png</image:loc><image:title>gross film revenue</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/wgtn-sectoral.png</image:loc><image:title>wgtn sectoral</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/wellington-gdp.png</image:loc><image:title>Wellington GDP</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/akld-popn.png</image:loc><image:title>akld 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1998</image:title></image:image><lastmod>2025-01-01T19:31:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/06/01/economic-fortunes-of-her-majestys-realms/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/queen-4.png</image:loc><image:title>queen 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/queen-3.png</image:loc><image:title>queen 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/queen-2.png</image:loc><image:title>queen 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/06/queen-1.png</image:loc><image:title>Queen 1</image:title></image:image><lastmod>2020-06-05T20:37:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/29/two-charts-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/net-debt-scenarios.png</image:loc><image:title>net debt scenarios</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/house-prices-to-end-2019.png</image:loc><image:title>house prices to end 2019</image:title></image:image><lastmod>2020-05-31T05:43:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/28/doing-more/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/meade-2.png</image:loc><image:title>meade 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/meade-1.png</image:loc><image:title>meade 1</image:title></image:image><lastmod>2020-05-28T21:31:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/27/a-mixed-bag/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/rba-retail.png</image:loc><image:title>RBA retail</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/stress-3.png</image:loc><image:title>stress 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/stress-2.png</image:loc><image:title>stress 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/stress-tests.png</image:loc><image:title>Stress 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mortgages</image:title></image:image><lastmod>2020-05-26T23:09:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/03/18/a-programme-for-macroeconomic-stabilisation/</loc><lastmod>2020-05-25T02:26:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/25/financing-the-government/</loc><lastmod>2020-05-25T06:35:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/23/still-avoiding-scrutiny-and-accountability/</loc><lastmod>2020-11-28T04:29:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/22/losing-128-billion/</loc><lastmod>2020-05-28T21:28:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/21/a-practical-suggestion-for-the-governor/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/fundingcosts.jpg</image:loc><image:title>fundingcosts</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/cfr-defn.png</image:loc><image:title>CFR 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wholesale</image:title></image:image><lastmod>2020-05-23T08:14:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/20/monetary-policy-again/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/wholesale-3.png</image:loc><image:title>wholesale 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/wholesale-2.png</image:loc><image:title>wholesale 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/wholesale.png</image:loc><image:title>wholesale</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/nz-ois.png</image:loc><image:title>NZ OIS</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/int-rate-changes.png</image:loc><image:title>int rate changes</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/31-dec-2019-int-rates.png</image:loc><image:title>31 dec 2019 int rates</image:title></image:image><lastmod>2020-05-24T19:51:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/19/debt-jubilees-revisited/</loc><lastmod>2020-08-24T09:14:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/18/lsap-scepticism/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/iibs-may-20.png</image:loc><image:title>IIBs mAY 20</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/corp-bonds.png</image:loc><image:title>corp bonds</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/swaps-curves.png</image:loc><image:title>swaps curves</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/10-yr-yield-may-2020.png</image:loc><image:title>10 yr yield may 2020</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/5-yr-forward-rate.png</image:loc><image:title>5 yr forward rate</image:title></image:image><lastmod>2020-05-20T01:26:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/16/rb-at-the-finance-and-expenditure-committee/</loc><lastmod>2020-05-17T22:14:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/15/insufficient-macro-policy-action/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/impulse-measure.png</image:loc><image:title>impulse measure</image:title></image:image><lastmod>2020-05-15T23:10:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/14/still-falling-short/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/orr-photo.png</image:loc><image:title>orr photo</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/unconstrained-ocr.png</image:loc><image:title>unconstrained OCR</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/baseline-inflation.png</image:loc><image:title>baseline inflation</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/nz-swaps.png</image:loc><image:title>NZ swaps</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/bond-mkts.png</image:loc><image:title>bond mkts</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/snapshot.png</image:loc><image:title>snapshot</image:title></image:image><lastmod>2020-05-17T21:59:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/13/my-remarks-to-the-epidemic-response-committee/</loc><lastmod>2020-06-12T17:26:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/12/scattered-monetary-bits-and-pieces/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/tips.png</image:loc><image:title>TIPs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/iibs-longterm.png</image:loc><image:title>IIBs longterm</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/banknotes.png</image:loc><image:title>banknotes</image:title></image:image><lastmod>2020-05-13T08:28:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/11/helping-achieve-a-robust-economic-recovery/</loc><lastmod>2020-05-20T17:42:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/09/the-government-response-stringency-index/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/stringency-3.png</image:loc><image:title>stringency 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/stringency-index.png</image:loc><image:title>stringency index</image:title></image:image><lastmod>2020-05-11T02:37:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/08/the-macro-outlook/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/breakevens-may-2020.png</image:loc><image:title>breakevens may 2020</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/expecs-and-actuals.png</image:loc><image:title>expecs and actuals</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/2-yr-expecs-may-20.png</image:loc><image:title>2 yr expecs may 20</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/wage-inflation.png</image:loc><image:title>wage inflation</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/stylised-gdp.png</image:loc><image:title>stylised GDP</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/june-gdp-scenarios.png</image:loc><image:title>june gdp scenarios</image:title></image:image><lastmod>2020-05-08T23:58:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/07/reserve-bank-on-the-economic-impact/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/rb-sectoral.png</image:loc><image:title>rb sectoral</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/rb-scenarios-may-20.png</image:loc><image:title>RB scenarios may 20</image:title></image:image><lastmod>2020-05-07T23:56:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/14/the-treasurys-economic-scenarios/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/tsy-covid-1.png</image:loc><image:title>tsy covid 1</image:title></image:image><lastmod>2020-05-06T21:33:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/06/negative-interest-rates/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/rogoff.png</image:loc><image:title>rogoff</image:title></image:image><lastmod>2020-05-18T17:29:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/05/the-douglas-macculloch-plan/</loc><lastmod>2020-05-09T00:24:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/04/two-recent-contributions/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/post-covid-6.png</image:loc><image:title>post covid 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/post-covid-5.png</image:loc><image:title>post covid 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/post-covid-4.png</image:loc><image:title>post-covid 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/post-covid-3.png</image:loc><image:title>post-covid 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/post-covid-2.png</image:loc><image:title>post-covid 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/post-covid-1.png</image:loc><image:title>post-covid 1</image:title></image:image><lastmod>2020-05-06T04:56:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/02/new-zealand-the-foreign-trade-failure/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/dom-value-add-and-popn.png</image:loc><image:title>dom value add 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GDP</image:title></image:image><lastmod>2020-09-24T00:14:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/05/01/looking-towards-the-mps/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/05/breakevens-may-20.png</image:loc><image:title>breakevens may 20</image:title></image:image><lastmod>2020-05-02T10:38:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/30/a-debt-jubilee/</loc><lastmod>2020-05-03T22:19:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/29/diverted-down-historical-byways/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/moodys-depn.png</image:loc><image:title>moodys depn</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/bryce-debt.png</image:loc><image:title>bryce debt</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/imf-public-debt.png</image:loc><image:title>IMF public debt</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/niemeyer.png</image:loc><image:title>niemeyer</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/bordomeissner.png</image:loc><image:title>bordomeissner</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/hoover.png</image:loc><image:title>hoover</image:title></image:image><lastmod>2020-05-04T19:32:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/28/golden-fetters-and-paper-chains/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/eichengreen.png</image:loc><image:title>eichengreen</image:title></image:image><lastmod>2020-04-29T02:28:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/27/social-credit-too-timid-by-far-this-time/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/socred-2.png</image:loc><image:title>socred 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/social-credit-apr-2020.jpg</image:loc><image:title>social credit apr 2020</image:title></image:image><lastmod>2020-10-07T06:25:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/25/one-chart/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/confirmed-deaths-per-million.png</image:loc><image:title>confirmed deaths per million</image:title></image:image><lastmod>2020-04-27T04:06:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/24/the-minister-of-finance-spoke/</loc><lastmod>2020-04-28T13:35:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/23/reserve-bank-answers-to-questions-from-mps/</loc><lastmod>2020-04-25T00:02:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/22/bond-purchases/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/sett-cash-apr-2020.png</image:loc><image:title>sett cash apr 2020</image:title></image:image><lastmod>2020-08-31T00:32:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/21/the-lack-of-any-serious-transparency/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/oia-purpose.png</image:loc><image:title>OIA purpose</image:title></image:image><lastmod>2020-04-30T22:06:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/20/on-ancient-history-the-last-business-cycle/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/cycle-real-twi.png</image:loc><image:title>cycle real TWI</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/cycle-foreign-trade.png</image:loc><image:title>cycle foreign 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corona</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/iib-sept-2025.png</image:loc><image:title>IIB sept 2025</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/anzbo-infl-expecs.png</image:loc><image:title>ANZBO infl expecs</image:title></image:image><lastmod>2020-04-17T23:12:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/16/coronavirus-economics-and-policy-from-the-mailbox/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/new-cases-15-apr.png</image:loc><image:title>new cases 15 apr</image:title></image:image><lastmod>2020-09-10T01:26:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/15/questions-for-the-reserve-bank/</loc><lastmod>2020-04-16T19:29:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/14/measuring-the-slump/</loc><lastmod>2020-04-20T03:20:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/13/some-economic-dimensions/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/old-gdp.png</image:loc><image:title>old GDP</image:title></image:image><lastmod>2020-04-19T04:10:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/11/comparing-our-experience-with-australia/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/tests-april.png</image:loc><image:title>tests april</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/cv-cases-nz-and-aus.png</image:loc><image:title>CV cases nz and aus</image:title></image:image><lastmod>2020-04-14T14:30:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/09/central-bank-watch/</loc><lastmod>2020-04-10T00:20:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/08/framing-an-economic-policy-response/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/kent-2.png</image:loc><image:title>kent 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/kent-1.png</image:loc><image:title>kent 1</image:title></image:image><lastmod>2020-04-09T03:30:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/08/guest-post-by-geof-mortlock-coronavirus-response/</loc><lastmod>2020-04-09T00:18:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/07/central-bankers-in-another-world/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/five-yr-iib.png</image:loc><image:title>five yR IIB</image:title></image:image><lastmod>2020-04-08T08:01:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/06/looking-to-the-past/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/04/plagues-2.png</image:loc><image:title>plagues 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covid</image:title></image:image><lastmod>2020-04-07T04:17:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/03/choices/</loc><lastmod>2020-04-05T07:30:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/02/measure-what-is-measurable-and-make-measurable-what-is-not-so/</loc><lastmod>2020-04-04T01:16:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/04/01/coronavirus-economics-and-policy-april-fools-edition/</loc><lastmod>2020-04-02T10:14:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/03/31/the-old-world-wont-snap-back-and-we-shouldnt-make-policy-assuming-it-will/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/03/toplis-2020-2.png</image:loc><image:title>toplis 2020 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/03/toplis-2020-1.png</image:loc><image:title>toplis 2020 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act</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/special-2.png</image:loc><image:title>special 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/special-1.png</image:loc><image:title>special 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/quarantine.png</image:loc><image:title>quarantine</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/legis-powers.png</image:loc><image:title>legis powers</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/stamp-it-out.png</image:loc><image:title>stamp it 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series</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/spending-2019.png</image:loc><image:title>spending 2019</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/taxes-2019.png</image:loc><image:title>taxes 2019</image:title></image:image><lastmod>2020-02-28T00:22:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/02/26/coronavirus-cant-just-be-thought-of-as-an-illness-for-other-countries/</loc><lastmod>2020-02-27T21:45:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/02/25/a-tweet-from-the-reserve-bank/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/target-1.png</image:loc><image:title>target 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MFP</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/mfp-tech.png</image:loc><image:title>MFP tech</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/mfp-sectoral.png</image:loc><image:title>MFP sectoral</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/mfp-to-19.png</image:loc><image:title>MFP to 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/measured-sector-lp.png</image:loc><image:title>measured sector LP</image:title></image:image><lastmod>2020-02-18T21:48:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/02/17/simply-unfit/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/me-too.png</image:loc><image:title>me 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6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/pmr-5.png</image:loc><image:title>PMR 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/pmr-4.png</image:loc><image:title>PMR 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/pmr-3.png</image:loc><image:title>PMR 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/pmr-2018.png</image:loc><image:title>pmr 2018</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/pmr-1998.png</image:loc><image:title>PMR 1998</image:title></image:image><lastmod>2020-02-19T01:30:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/02/10/the-productivity-commission-again/</loc><lastmod>2020-02-11T05:09:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/02/07/the-ocr-should-be-cut/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/long-term-expecs.png</image:loc><image:title>long-term expecs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/02/iib-jan-2020.png</image:loc><image:title>IIB jan 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08</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/services-x-2008.png</image:loc><image:title>services x 2008</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/goods-x-08.png</image:loc><image:title>goods x 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3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/demographia-2020-2.png</image:loc><image:title>demographia 2020 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/demographia-2020-1.png</image:loc><image:title>demographia 2020 1</image:title></image:image><lastmod>2020-01-24T23:18:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/01/17/business-investment-and-snz/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/poole-2.png</image:loc><image:title>poole 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/poole-1.png</image:loc><image:title>poole 1</image:title></image:image><lastmod>2020-01-21T02:27:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/01/16/decomposing-the-nz-economy-and-australias/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/aus-nz-rer.png</image:loc><image:title>aus nz RER</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/aus-t-components.png</image:loc><image:title>Aus T components</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/nz-and-aus-popn-growth.png</image:loc><image:title>nz and aus popn growth</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/nt-components.png</image:loc><image:title>NT components</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/t-and-nt-tradables.png</image:loc><image:title>T and NT tradables</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/aus-t-and-nt-to-sept-19.png</image:loc><image:title>Aus T and NT to sept 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/t-and-nt-components-nz-to-sept-19.png</image:loc><image:title>T and NT components NZ to sept 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/t-and-nt-to-sept-19.png</image:loc><image:title>T and NT to sept 19</image:title></image:image><lastmod>2020-01-19T22:12:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/01/15/wages-and-the-economy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/oecd-ulc-rer-2020.png</image:loc><image:title>OECD ULC RER 2020</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/tot-2020.png</image:loc><image:title>TOT 2020</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/wages-2020-3.png</image:loc><image:title>wages 2020 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/wages-2020-2.png</image:loc><image:title>wages 2020 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/wages-2020-1.png</image:loc><image:title>wages 2020 1</image:title></image:image><lastmod>2020-01-20T16:14:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/01/14/once-one-of-our-largest-towns/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2020/01/waihi-1.png</image:loc><image:title>waihi 1</image:title></image:image><lastmod>2020-01-21T02:13:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2020/01/13/financial-literacy-how-about-schools-fix-maths-etc-and-governments-free-up-the-housing-market/</loc><lastmod>2020-01-21T21:38:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/20/slightly-less-bad-news/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/gdp-phw-to-sept-19.png</image:loc><image:title>GDP phw to sept 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/sept-19-gdp-1.png</image:loc><image:title>sept 19 GDP 1</image:title></image:image><lastmod>2020-01-06T23:41:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/19/reforming-the-rb-next-steps/</loc><lastmod>2020-01-10T07:38:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/18/61487/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/oecd-real-gdp-phw-2018.png</image:loc><image:title>OECD real GDP phw 2018</image:title></image:image><lastmod>2020-01-17T03:43:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/17/the-void-where-hope-might-have-been/</loc><lastmod>2019-12-17T20:58:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/16/the-mediocre-performer-across-the-tasman/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/aus-19-4.png</image:loc><image:title>Aus 19 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/aus-19-3.png</image:loc><image:title>aus 19 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/aus-19-2.png</image:loc><image:title>aus 19 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/aus-19-1.png</image:loc><image:title>aus 19 1</image:title></image:image><lastmod>2019-12-16T20:54:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/14/61415/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/orr7.jpg</image:loc><image:title>Orr7</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/orr6.png</image:loc><image:title>orr6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/orr-5.png</image:loc><image:title>orr 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/rutherford-1.png</image:loc><image:title>rutherford 1</image:title></image:image><lastmod>2019-12-25T00:21:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/13/easy-to-underestimate-how-far-things-may-go/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/fan-charts-1.png</image:loc><image:title>fan charts 1</image:title></image:image><lastmod>2019-12-15T20:34:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/12/hyefu-thoughts/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/net-core-crown-debt.png</image:loc><image:title>net core crown debt</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/exports-hyefu-19.png</image:loc><image:title>exports hyefu 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/inv-hyefu-19.png</image:loc><image:title>inv hyefu 19</image:title></image:image><lastmod>2019-12-13T18:31:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/11/labour-share-of-income-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/labour-share-2019.png</image:loc><image:title>labour share 2019</image:title></image:image><lastmod>2019-12-11T21:40:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/10/what-does-bank-capital-do/</loc><lastmod>2019-12-10T21:24:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/09/deputy-governor-talking-up-the-economy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/household-expecs-19.png</image:loc><image:title>household expecs 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/twi-dec-19.png</image:loc><image:title>TWI dec 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/anz-trade.png</image:loc><image:title>ANZ trade</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/gdp-growth.png</image:loc><image:title>GDP growth</image:title></image:image><lastmod>2019-12-09T22:42:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/07/saving-new-zealand-and-australia-compared/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/non-fin.png</image:loc><image:title>non-fin</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/fin.png</image:loc><image:title>fin</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/business-s.png</image:loc><image:title>business s</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/household-s-2.png</image:loc><image:title>household s 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/govt-s.png</image:loc><image:title>govt s</image:title></image:image><lastmod>2019-12-08T19:28:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/05/as-we-await-the-governors-final-decision/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/robertson.png</image:loc><image:title>robertson</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/board.png</image:loc><image:title>board</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/quigley-3.png</image:loc><image:title>quigley 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/orr-letter.png</image:loc><image:title>orr letter</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/quigley-1.png</image:loc><image:title>quigley 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/robbers-2.png</image:loc><image:title>robbers 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/robbers-1.png</image:loc><image:title>robbers 1</image:title></image:image><lastmod>2019-12-06T00:34:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/04/what-a-revealing-travesty/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/justice-donations.png</image:loc><image:title>justice donations</image:title></image:image><lastmod>2019-12-05T20:47:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/03/savings-rate-across-the-oecd/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/net-saving-oecd-2018.png</image:loc><image:title>net saving oecd 2018</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/net-saving-13-to-17.png</image:loc><image:title>net saving 13 to 17</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/net-savings-aus-nz.png</image:loc><image:title>net savings aus nz</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/net-saving-anglo-comp.png</image:loc><image:title>net saving anglo comp</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/net-savings-70-to-74.png</image:loc><image:title>net savings 70 to 74</image:title></image:image><lastmod>2019-12-04T20:59:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/12/02/spending-and-saving/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/govt-c-dec-19.png</image:loc><image:title>govt C dec 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/c-nni.png</image:loc><image:title>C NNI</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/govt-and-pte-saving-dec-19.png</image:loc><image:title>govt and pte saving dec 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/savings-per-cent-of-nni.png</image:loc><image:title>savings per cent of NNI</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/household-s.png</image:loc><image:title>household S</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/net-savings-to-nni-dec-19.png</image:loc><image:title>net savings to nni dec 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/12/iip.png</image:loc><image:title>IIP</image:title></image:image><lastmod>2019-12-03T00:40:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/28/investment-capital-and-all-that/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/popn-grwoth-5-years.png</image:loc><image:title>popn grwoth 5 years</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/cap-stock-components.png</image:loc><image:title>cap stock components</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/rd-to-march-19.png</image:loc><image:title>R&amp;D to march 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/bus-investment-to-marc-19.png</image:loc><image:title>bus investment to marc 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/gen-govt-gfcf-to-mar-19.png</image:loc><image:title>gen govt GFCF to mar 19</image:title></image:image><lastmod>2019-12-01T08:11:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/27/shaky-groundwork/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/real-house-prices-bis-19.png</image:loc><image:title>real house prices BIS 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/house-prices-fsr.png</image:loc><image:title>house prices FSR</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/imbalances.png</image:loc><image:title>imbalances</image:title></image:image><lastmod>2019-11-27T22:50:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/26/work-income-technology-and-all-that/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/epl.png</image:loc><image:title>EPL</image:title></image:image><lastmod>2019-11-26T21:18:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/25/the-unimagiable-dystopias-we-live-in/</loc><lastmod>2019-12-02T03:59:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/23/teaching-examining-economics/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/deflation-ncea.png</image:loc><image:title>deflation NCEA</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/qtm.png</image:loc><image:title>QTM</image:title></image:image><lastmod>2019-11-25T18:36:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/22/spin-just-spin/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/govt-gfcf.png</image:loc><image:title>govt GFCF</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/cap-stock-19.png</image:loc><image:title>cap stock 19</image:title></image:image><lastmod>2019-11-22T23:22:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/21/championing-social-democracy-not-productivity/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/flexicurity-8.png</image:loc><image:title>flexicurity 8</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/flexicurity-7.png</image:loc><image:title>flexicurity 7</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/flexicurity-6.png</image:loc><image:title>flexicurity 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/flexicurity-5.png</image:loc><image:title>flexicurity 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/flexicurity-4.png</image:loc><image:title>flexicurity 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/flexicurity-3.png</image:loc><image:title>flexicurity 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/flexicurity-2.png</image:loc><image:title>flexicurity 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/flexicurity-1.png</image:loc><image:title>flexicurity 1</image:title></image:image><lastmod>2019-11-24T21:59:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/20/compass-gone-wonky/</loc><lastmod>2019-11-19T22:06:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/19/facts/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/nzi-quiz.png</image:loc><image:title>nzi quiz</image:title></image:image><lastmod>2019-11-21T21:26:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/18/people-from-poorer-countries-will-come-if-we-let-them/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/trump-migration.png</image:loc><image:title>trump migration</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/outlfow-to-aus.png</image:loc><image:title>outlfow to AUs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/population-since-04.png</image:loc><image:title>population since 04</image:title></image:image><lastmod>2019-11-21T21:09:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/16/cutting-the-cake-not-baking-a-bigger-one/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/wealth.png</image:loc><image:title>wealth</image:title></image:image><lastmod>2019-11-21T02:58:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/15/effective-communications-and-consistent-messaging-not/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/breakevens-nov-19.png</image:loc><image:title>breakevens nov 19</image:title></image:image><lastmod>2019-11-16T12:47:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/14/good-in-a-few-parts-pretty-poor-otherwise/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/conal.png</image:loc><image:title>conal</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/core-infl-nt.png</image:loc><image:title>core infl NT</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/core-infl-nov-19.png</image:loc><image:title>core infl nov 19</image:title></image:image><lastmod>2019-11-15T21:43:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/13/no-big-improvements-expected/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/mon-con-nov-19.png</image:loc><image:title>mon con nov 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/expecs-19.png</image:loc><image:title>expecs 19</image:title></image:image><lastmod>2019-11-13T01:20:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/12/participation-rates-for-older-people-kudos-to-snz/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/alex-snz-2.png</image:loc><image:title>alex snz 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/65-and-69.png</image:loc><image:title>65 and 69</image:title></image:image><lastmod>2019-11-17T16:04:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/12/central-bankers-and-climate-change/</loc><lastmod>2019-11-12T22:48:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/11/participation-rates/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/chg-in-partic-rates-65-to-69.png</image:loc><image:title>chg in partic rates 65 to 69</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/partic-rates-oecd-65-to-69.png</image:loc><image:title>partic rates OECD 65 to 69</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/p-rates-nzs-transition.png</image:loc><image:title>p rates NZS transition</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/p-rates-old.png</image:loc><image:title>p rates old</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/p-rate-55-64.png</image:loc><image:title>p rate 55-64</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/partic-youth.png</image:loc><image:title>partic youth</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/prime-age-total.png</image:loc><image:title>prime age total</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/p-rate-q.png</image:loc><image:title>p rate q</image:title></image:image><lastmod>2019-11-13T07:29:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/08/unserious-defenders-of-nz-national-interests/</loc><lastmod>2019-11-08T22:58:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/07/long-term-fiscal-choices/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/health-09.png</image:loc><image:title>health 09</image:title></image:image><lastmod>2019-11-07T04:55:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/06/threaadbare-analysis-and-ideological-causes/</loc><lastmod>2019-11-12T21:32:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/05/officials-in-pursuit-of-more-powers/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/cash-5.png</image:loc><image:title>cash 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/cash-4.png</image:loc><image:title>cash 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/cash-3.png</image:loc><image:title>cash 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/cash-1.png</image:loc><image:title>cash 1</image:title></image:image><lastmod>2019-11-06T07:02:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/02/2019-vs-1969/</loc><lastmod>2019-11-05T02:32:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/11/01/credit-conditions/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/credit-4.png</image:loc><image:title>credit 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/credit-3.png</image:loc><image:title>credit 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/credit-2.png</image:loc><image:title>credit 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/credit-1-1.png</image:loc><image:title>credit 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/11/credit-1.png</image:loc><image:title>credit 1</image:title></image:image><lastmod>2019-11-01T01:39:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/31/monetary-policy-communications-and-the-lack-of-transparency/</loc><lastmod>2019-10-31T03:24:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/30/lighthouses-warn-people-away-from-the-rocks/</loc><lastmod>2019-11-02T00:20:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/29/two-years-on/</loc><lastmod>2019-10-30T18:32:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/28/falling-population-shares-a-highly-productive-big-city/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/london-19.png</image:loc><image:title>london 19</image:title></image:image><lastmod>2019-10-29T22:22:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/26/rygbi/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/wales-3.png</image:loc><image:title>wales 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/wales-2.png</image:loc><image:title>wales 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/wales-1.png</image:loc><image:title>wales 1</image:title></image:image><lastmod>2024-08-24T23:23:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/25/productivity-lack-of-it-and-other-things/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/nzau3.png</image:loc><image:title>NZau3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/nzau2.png</image:loc><image:title>nzau2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/nzau-1.png</image:loc><image:title>nzau 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/king-nz-1.png</image:loc><image:title>King NZ</image:title></image:image><lastmod>2019-10-28T03:24:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/23/productivity-growth-or-lack-of-it/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/e-europe-oct-19.png</image:loc><image:title>e europe oct 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/real-gdp-phw-since-84.png</image:loc><image:title>real GDP phw since 84</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/mfp-since-84.png</image:loc><image:title>MFP since 84</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/caygill-1989-expectations.png</image:loc><image:title>caygill 1989 expectations</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/productivity-0ct-19.png</image:loc><image:title>productivity 0ct 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/gdp-phw-23.png</image:loc><image:title>GDP phw 23</image:title></image:image><lastmod>2019-12-10T07:33:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/22/disagreeing-with-lord-king/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/king-uk-mfp.png</image:loc><image:title>king UK mfp</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/king-us-2.png</image:loc><image:title>king us 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/king-mfp.png</image:loc><image:title>king mfp</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/king-us.png</image:loc><image:title>king us</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/king-uk.png</image:loc><image:title>king uk</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/king-nz.png</image:loc><image:title>King NZ</image:title></image:image><lastmod>2019-10-23T00:53:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/21/america-and-argentina/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/250px-non-native_population_in_argentina.png</image:loc><image:title>250px-Non-native_population_in_Argentina</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/us-migration.png</image:loc><image:title>US migration</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/arg-4.png</image:loc><image:title>arg 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/arg-3.png</image:loc><image:title>arg 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/arg-2.png</image:loc><image:title>arg 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/arg-1.png</image:loc><image:title>arg 1</image:title></image:image><lastmod>2019-10-28T20:09:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/19/new-zealand-and-australia/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/2025-tot.png</image:loc><image:title>2025 TOT</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/u-rates-long-term.png</image:loc><image:title>U rates long-term</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/briggs.png</image:loc><image:title>briggs</image:title></image:image><lastmod>2019-10-20T20:37:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/18/the-deputy-governor-goes-to-sydney/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/bascand-oct-4.png</image:loc><image:title>bascand oct 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/bascand-oct-3.png</image:loc><image:title>bascand oct 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/bascand-oct-2.png</image:loc><image:title>bascand oct 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/bascand-oct-1.png</image:loc><image:title>bascand oct 1</image:title></image:image><lastmod>2019-10-18T01:08:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/17/what-was-and-what-might-have-been/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/fredgraph-u-30s.png</image:loc><image:title>fredgraph U 30s</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/nz-rel-to-others-pre-war.png</image:loc><image:title>NZ rel to others pre war</image:title></image:image><lastmod>2019-11-13T09:15:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/16/dear-board-members/</loc><lastmod>2019-10-16T02:35:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/16/prosperity-then-and-now/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/gdp-phw-2018.png</image:loc><image:title>GDP phw 2018</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/1900-gdp-pc.png</image:loc><image:title>1900 GDP pc</image:title></image:image><lastmod>2019-10-16T20:34:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/15/holding-the-bank-to-account-oia-requests/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/rb-oia-responses.png</image:loc><image:title>RB OIA responses</image:title></image:image><lastmod>2019-10-15T19:55:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/14/culture-and-conduct-in-question/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/eric-orr.png</image:loc><image:title>eric orr</image:title></image:image><lastmod>2019-10-14T23:44:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/14/reopening-parent-visas/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/parent-visa.png</image:loc><image:title>parent visa</image:title></image:image><lastmod>2019-10-14T22:21:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/12/unfit-to-govern-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/integrity.png</image:loc><image:title>integrity</image:title></image:image><lastmod>2020-04-30T23:03:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/11/fiscal-thoughts/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/resid-cash.png</image:loc><image:title>resid cash</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/jobseeker-support.png</image:loc><image:title>jobseeker support</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/soc-security-2.png</image:loc><image:title>soc security 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/soc-security-1.png</image:loc><image:title>soc security 1</image:title></image:image><lastmod>2019-10-19T04:15:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/10/rents-should-have-been-falling/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/rents.png</image:loc><image:title>rents</image:title></image:image><lastmod>2019-10-12T07:59:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/08/a-day-for-celebration/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/cook.jpg</image:loc><image:title>cook</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/pacific.png</image:loc><image:title>Pacific</image:title></image:image><lastmod>2019-10-10T00:54:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/09/expecting-low-inflation-and-interest-rates/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/us-breakevens-oct-19.png</image:loc><image:title>US breakevens oct 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/breakevens-0ct-19.png</image:loc><image:title>breakevens 0ct 19</image:title></image:image><lastmod>2019-10-22T21:26:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/07/portrait-of-a-strongman/</loc><lastmod>2019-10-07T03:32:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/05/revisiting-some-rb-history/</loc><lastmod>2019-10-06T20:57:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/04/orr-on-bank-capital/</loc><lastmod>2019-10-04T21:49:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/03/big-policy-choices-should-be-for-politicians-that-is-their-job/</loc><lastmod>2019-10-04T11:50:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/02/reserve-bank-annual-reports-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/turnover-rb.png</image:loc><image:title>turnover RB</image:title></image:image><lastmod>2019-10-05T08:27:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/01/on-the-anniversary-of-the-ccp-seizing-power/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/spy.png</image:loc><image:title>spy</image:title></image:image><lastmod>2020-05-27T05:23:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/10/01/not-doing-very-well-at-all/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/east-europe-gdp-phw.png</image:loc><image:title>east europe GDP phw</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/10/growth-in-real-pc-gdp.png</image:loc><image:title>Growth in real pc GDP</image:title></image:image><lastmod>2019-10-01T03:39:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/30/a-rather-well-paid-governor/</loc><lastmod>2019-09-30T21:01:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/30/how-unusual-is-australia-record-without-recessions/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/rnndi-to-19.png</image:loc><image:title>RNNDI to 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/aus-u-to-sept-19.png</image:loc><image:title>Aus U to sept 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/st-louis-fed-1.png</image:loc><image:title>st louis fed 1</image:title></image:image><lastmod>2019-09-30T04:32:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/28/the-economic-plan-that-wasnt/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/economic-plan.png</image:loc><image:title>economic plan</image:title></image:image><lastmod>2019-09-29T23:17:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/27/a-strikingly-poor-speech-from-the-governor/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/pc-gdp-growth.png</image:loc><image:title>pc GDP growth</image:title></image:image><lastmod>2019-09-29T20:56:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/26/some-imf-modelling-on-nz/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/sel-issues-3.png</image:loc><image:title>sel issues 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/sel-issues-2.png</image:loc><image:title>sel issues 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/sel-issues-1.png</image:loc><image:title>sel issues 1</image:title></image:image><lastmod>2019-09-29T21:34:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/25/economists-and-populism/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/gen-govt-2018.png</image:loc><image:title>gen govt 2018</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/igm-3.png</image:loc><image:title>IGM 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/igm-2.png</image:loc><image:title>IGM 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/igm-1.png</image:loc><image:title>IGM 1</image:title></image:image><lastmod>2019-09-29T07:11:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/24/policy-costings-office-a-perspective-from-australia/</loc><lastmod>2019-09-24T22:34:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/23/imf-telling-it-like-it-isnt/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/imf-mfp-19.png</image:loc><image:title>IMF MFP 19</image:title></image:image><lastmod>2019-09-23T23:59:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/21/inane-crude-economic-nationalism/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/kiwibank-1.jpg</image:loc><image:title>Kiwibank 1</image:title></image:image><lastmod>2019-10-13T03:53:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/20/tradables-and-non-tradables/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/rel-ulcs.png</image:loc><image:title>rel ULcs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/t-components.png</image:loc><image:title>T components</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/t-and-nt-to-june-19.png</image:loc><image:title>T and NT to june 19</image:title></image:image><lastmod>2019-09-21T07:20:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/19/productivity-growth-across-countries-across-time/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/nz-and-g7-gdp-phw.png</image:loc><image:title>NZ and G7 gdp phw</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/real-gdp-phw-oecd.png</image:loc><image:title>Real GDP phw OECD</image:title></image:image><lastmod>2019-10-05T09:22:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/18/making-short-term-foreign-labour-more-readily-available/</loc><lastmod>2019-09-19T19:48:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2017/07/11/new-zealand-firsts-immigration-policies/</loc><lastmod>2019-09-17T20:30:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/17/nzs-company-tax-rate-enforcement-and-investment/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/bus-i-nz.png</image:loc><image:title>bus I NZ</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/bus-i-oecd-2011.png</image:loc><image:title>bus I oecd 2011</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/coy-tax-2.png</image:loc><image:title>coy tax 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/coy-tax-oecd.png</image:loc><image:title>coy tax oecd</image:title></image:image><lastmod>2020-02-17T21:06:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/16/recalling-jian-yangs-past-questions-for-him-and-his-leader/</loc><lastmod>2019-10-28T07:15:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/16/monetary-policy-and-the-yield-curve-slope/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/nz-yield-curve-4.png</image:loc><image:title>NZ yield curve 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/nz-yield-curve-3.png</image:loc><image:title>nz yield curve 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/nz-yield-curve-2.png</image:loc><image:title>nz yield curve 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/nz-yield-curve-1.png</image:loc><image:title>nz yield curve 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/us-yield-curve.png</image:loc><image:title>US yield curve</image:title></image:image><lastmod>2019-09-16T23:12:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/12/hush-dont-be-so-explicit/</loc><lastmod>2019-09-13T19:25:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/11/wellington-seminars/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/rel-ulc-rer.png</image:loc><image:title>rel ULC RER</image:title></image:image><lastmod>2019-09-12T21:53:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/10/china-and-japan/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/taichi-conf-bd.png</image:loc><image:title>taichi conf bd</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/chjp-conf-board.png</image:loc><image:title>chjp conf board</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/chinajp.png</image:loc><image:title>chinajp</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/maddison-chjp.png</image:loc><image:title>maddison chjp</image:title></image:image><lastmod>2019-09-15T21:55:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/09/services-exports-another-nz-weak-spot/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/x-education.png</image:loc><image:title>X education</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/non-tt-services-x.png</image:loc><image:title>non T&amp;T services X</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/tt-services-x.png</image:loc><image:title>T&amp;T services X</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/nz-services-exports.png</image:loc><image:title>NZ services exports</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/services-exports-small-oecd.png</image:loc><image:title>services exports small OECD</image:title></image:image><lastmod>2019-09-14T07:33:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/06/revisiting-an-incredibly-expensive-insurance-policy/</loc><lastmod>2019-11-16T08:56:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/07/the-bank-capital-insurance-policy-update/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/scenario-1.png</image:loc><image:title>scenario 1</image:title></image:image><lastmod>2019-09-09T04:06:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/05/the-nzier-economics-award-creative-writing/</loc><lastmod>2019-09-09T04:50:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/04/the-bridges-kowtow/</loc><lastmod>2019-09-07T10:29:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/03/80-years-today-since-we-entered-world-war-two/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/poland-real-gdp-phw.png</image:loc><image:title>poland real GDP phw</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/ww2-tot.png</image:loc><image:title>WW2 TOT</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/09/1939-gdp-pc.png</image:loc><image:title>1939 GDP pc</image:title></image:image><lastmod>2019-09-04T22:36:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/09/02/obstructionism-from-ssc/</loc><lastmod>2019-09-04T19:07:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/29/political-donations-national-and-jami-lee-ross/</loc><lastmod>2019-09-02T21:45:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/29/immigration-and-nz-economic-performance/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/speeches.png</image:loc><image:title>speeches</image:title></image:image><lastmod>2019-11-14T23:06:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/28/national-on-the-economy/</loc><lastmod>2019-08-29T20:03:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/26/60067/</loc><lastmod>2019-08-26T23:23:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/23/a-policy-costing-unit/</loc><lastmod>2019-08-25T19:48:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/21/monetary-policy-effectiveness/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/an-conclusion.png</image:loc><image:title>AN conclusion</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/margins.png</image:loc><image:title>margins</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/short-term-rates.png</image:loc><image:title>short-term rates</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/an.png</image:loc><image:title>AN</image:title></image:image><lastmod>2019-08-23T12:48:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/13/a-good-time-to-invest/</loc><lastmod>2019-08-20T01:29:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/12/current-interest-rates-really-are-unusual/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/gs-short-rates.jpg</image:loc><image:title>GS short rates</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/nz-bonds-historical.png</image:loc><image:title>NZ bonds historical</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/fr-bonds.jpg</image:loc><image:title>Fr bonds</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/us-short-term-rates.jpg</image:loc><image:title>US short-term rates</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/consols.png</image:loc><image:title>consols</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/boe-policy-rate.png</image:loc><image:title>BOE policy rate</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/ancient.jpg</image:loc><image:title>ancient</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/current-10-year.png</image:loc><image:title>current 10 year</image:title></image:image><lastmod>2019-08-17T19:26:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/09/fiscal-policy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/cc3.png</image:loc><image:title>cc3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/cc2.png</image:loc><image:title>cc2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/cc-1.png</image:loc><image:title>CC 1</image:title></image:image><lastmod>2019-08-21T22:34:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/08/reserve-bank-mps-part-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/gdp-phw-mar-19.png</image:loc><image:title>GDP phw mar 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/bus-investment-rb.png</image:loc><image:title>bus investment RB</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/fisc-impulse.png</image:loc><image:title>fisc impulse</image:title></image:image><lastmod>2019-08-11T22:07:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/08/mixed-feelings-but-the-mpc-really-needs-to-improve-its-communications/</loc><lastmod>2019-08-09T03:07:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/07/keep-the-focus-on-monetary-policy/</loc><lastmod>2019-08-08T04:10:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/06/wages-have-risen-faster-than-output-per-hour/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/rel-ulcs.png</image:loc><image:title>rel ULcs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/gdp-and-wages-aug-19.png</image:loc><image:title>GDP and wages aug 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/wages-and-nom-gdp-phw-aug-19.png</image:loc><image:title>wages and nom GDP phw Aug 19</image:title></image:image><lastmod>2019-08-06T07:31:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/05/interest-rates/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/500-yrs-.png</image:loc><image:title>500 yrs</image:title></image:image><lastmod>2019-08-06T21:41:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/03/contemptible/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/jacobi-2.png</image:loc><image:title>Jacobi 2</image:title></image:image><lastmod>2019-08-05T08:50:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/02/appointing-an-mpc-worse-than-trump/</loc><lastmod>2019-08-06T00:50:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/08/01/why-does-good-government-matter/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/08/757.png</image:loc><image:title>757</image:title></image:image><lastmod>2019-11-27T16:11:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/07/31/thoughtful-analysis-of-productivity-from-the-opposition/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/07/aus-norway.png</image:loc><image:title>aus norway</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/07/aus-prod-2.png</image:loc><image:title>AUs prod 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/07/quinn.png</image:loc><image:title>quinn</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/07/aus-prod.png</image:loc><image:title>aus prod</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/07/wages-in-aus.png</image:loc><image:title>wages in aus</image:title></image:image><lastmod>2019-08-03T02:44:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/07/30/where-there-is-no-vision/</loc><lastmod>2019-08-01T21:53:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/07/26/overselling-past-reforms/</loc><lastmod>2019-08-17T22:34:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/07/25/prime-ministerial-whimsy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/07/pms.png</image:loc><image:title>PMs</image:title></image:image><lastmod>2019-08-01T00:05:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/07/24/prc-may-never-match-other-advanced-countries/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/07/ip-2.png</image:loc><image:title>Ip 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chart</image:title></image:image><lastmod>2019-03-17T15:50:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/03/14/kudos/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/03/jacobi.png</image:loc><image:title>jacobi</image:title></image:image><lastmod>2019-03-17T16:14:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/03/13/what-is-going-on-with-residence-approvals/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/03/res-5.png</image:loc><image:title>res 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/03/res-4.png</image:loc><image:title>res 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/03/res-3.png</image:loc><image:title>res 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/03/res-2.png</image:loc><image:title>res 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/03/res-1.png</image:loc><image:title>Res 1</image:title></image:image><lastmod>2019-03-17T16:29:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/03/12/58859/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/03/oia-barclay.png</image:loc><image:title>OIA 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rates</image:title></image:image><lastmod>2019-02-26T11:33:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/23/working-hours/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/hours-per-capita-2019-2.png</image:loc><image:title>hours per capita 2019 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/hours-per-capita-2019.png</image:loc><image:title>hours per capita 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rates</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2017/08/corporate-tax-revenue.png</image:loc><image:title>corporate tax 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7</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/investment-6.png</image:loc><image:title>investment 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/investment-5.png</image:loc><image:title>investment 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/investment-4.png</image:loc><image:title>investment 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/investment-3.png</image:loc><image:title>investment 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/investment-2.png</image:loc><image:title>investment 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/investment-1.png</image:loc><image:title>investment 1</image:title></image:image><lastmod>2019-02-19T21:23:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/16/unfit-to-govern/</loc><lastmod>2020-02-16T08:57:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2017/12/05/whither-cash/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2017/12/notes-and-coin.png</image:loc><image:title>notes and coin</image:title></image:image><lastmod>2019-02-15T19:36:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/15/this-country-has-prospered-over-the-past-decade-while-other-economies-have-suffered/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/small-countries.png</image:loc><image:title>small countries</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/us-nz-productivity.png</image:loc><image:title>US nz productivity</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/us-and-nz-comparison-gdp.png</image:loc><image:title>US and NZ comparison GDP</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/china-gdp-phw-feb-19.png</image:loc><image:title>China GDP phw feb 19</image:title></image:image><lastmod>2019-02-16T13:41:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/14/mpc-remit-and-charter/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/charter-3.png</image:loc><image:title>charter 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/charter-2.png</image:loc><image:title>charter 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/charter-1.png</image:loc><image:title>charter 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/consensus.png</image:loc><image:title>consensus</image:title></image:image><lastmod>2019-02-14T17:06:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/14/see-not-so-hard-after-all/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/iib-breakevens-feb-19.png</image:loc><image:title>IIB breakevens feb 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/something-for-all.png</image:loc><image:title>something for all</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/nairu-2019.png</image:loc><image:title>NAIRU 2019</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/cartoon.png</image:loc><image:title>cartoon</image:title></image:image><lastmod>2019-02-14T20:46:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/13/two-charts-and-a-speech/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/mon-cond-year-ahead-19.png</image:loc><image:title>mon cond year ahead 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/oecd-labour-productivity-2017.png</image:loc><image:title>OECD labour productivity 2017</image:title></image:image><lastmod>2019-02-13T00:32:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/12/challenges-and-complexities/</loc><lastmod>2019-02-14T18:59:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/12/1984-and-all-that/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/trade-shares-feb-19.png</image:loc><image:title>trade shares feb 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/rer-84.png</image:loc><image:title>RER 84</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/tot-annual.png</image:loc><image:title>TOT annual</image:title></image:image><lastmod>2019-02-15T04:57:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/11/how-much-equity-do-banks-voluntarily-choose/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/capital-ratios-dashboard.png</image:loc><image:title>capital ratios dashboard</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/capital-ratios.png</image:loc><image:title>capital ratios</image:title></image:image><lastmod>2019-02-13T01:20:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/09/the-pms-economic-plan/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/construction-jobs.png</image:loc><image:title>construction jobs</image:title></image:image><lastmod>2019-02-12T01:20:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/08/raising-bank-capital-requirements/</loc><lastmod>2019-02-11T01:03:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/07/looking-towards-the-new-mpc/</loc><lastmod>2019-02-07T23:01:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/06/yes-but/</loc><lastmod>2019-02-10T06:08:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/05/house-prices-and-building-australia-and-nz/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/house-prices-jan-19.png</image:loc><image:title>house prices jan 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/people-per-dwelling.png</image:loc><image:title>people per dwelling</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/popn-nz-and-aus.png</image:loc><image:title>popn nz and aus</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/res-nz-and-aus-2.png</image:loc><image:title>res nz and aus 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/res-nz-and-aus-1.png</image:loc><image:title>res nz and aus 1</image:title></image:image><lastmod>2019-02-06T22:58:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/04/wages-earnings-capacity-and-all-that/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/rer-to-end-18.png</image:loc><image:title>rer to end 18</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/lci-3.png</image:loc><image:title>lci 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/lci-2.png</image:loc><image:title>LCI 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/lci-1.png</image:loc><image:title>LCI 1</image:title></image:image><lastmod>2019-02-08T21:23:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/02/donations-the-prc-etc/</loc><lastmod>2019-02-06T20:02:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/02/01/highly-productive-countries-tend-to-do-more-social-spending/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/socexp3.png</image:loc><image:title>socexp3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/socex2.png</image:loc><image:title>socex2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/02/socex1.png</image:loc><image:title>socex1</image:title></image:image><lastmod>2019-02-05T02:36:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/31/bridges-and-the-state-of-the-nation/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/exports-hyefu-18.png</image:loc><image:title>exports hyefu 18</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/murders.png</image:loc><image:title>murders</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/homicides.png</image:loc><image:title>homicides</image:title></image:image><lastmod>2019-02-02T20:51:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/30/marijuana-and-monetary-policy/</loc><lastmod>2019-02-01T19:24:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/29/the-road-to-ruin/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/venezuela-3.png</image:loc><image:title>venezuela 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/venezuela-2.png</image:loc><image:title>venezuela 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/venezuela-1.png</image:loc><image:title>venezuela 1</image:title></image:image><lastmod>2019-01-30T19:33:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/28/school-days-and-years/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/school-hours-per-year.png</image:loc><image:title>school hours per year</image:title></image:image><lastmod>2019-01-31T00:04:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/26/critics-of-the-pm-left-and-right/</loc><lastmod>2019-06-07T00:03:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/25/what-to-make-of-the-inflation-data-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/breakevens-jan-19.png</image:loc><image:title>breakevens jan 19</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/g7-cpi-ex.png</image:loc><image:title>g7 cpi ex</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/nt-ex-jan-19.png</image:loc><image:title>nt ex jan 19</image:title></image:image><lastmod>2019-01-29T15:56:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/24/planning-for-the-next-recession/</loc><lastmod>2019-01-30T12:38:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/23/58505/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/receipts.png</image:loc><image:title>receipts</image:title></image:image><lastmod>2019-01-25T02:48:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/22/on-a-troubled-hugely-distorted-economy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/china-capex.jpg</image:loc><image:title>china capex</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/china-exports.jpg</image:loc><image:title>china exports</image:title></image:image><lastmod>2019-01-24T03:33:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/19/cowering-and-contemptible/</loc><lastmod>2019-01-25T02:09:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/18/stress-tests-and-bank-capital/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/stress-test-from-consultative-doc.png</image:loc><image:title>stress test from consultative doc</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/box-a-fig-a3-fsr-nov14.jpg</image:loc><image:title>box-a-fig-a3-fsr-nov14</image:title></image:image><lastmod>2019-01-18T19:43:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/15/bank-capital-proposals-a-few-initial-comments/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/capital-requirements.png</image:loc><image:title>capital requirements</image:title></image:image><lastmod>2019-01-18T01:55:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/16/productivity-any-hope-from-treasury/</loc><lastmod>2019-01-17T04:32:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/17/perhaps-councils-could-do-the-basics-right/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/leak.jpg</image:loc><image:title>leak</image:title></image:image><lastmod>2019-01-18T03:20:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/17/looking-at-some-fiscal-data/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/net-debt-and-primary-bal.png</image:loc><image:title>net debt and primary bal</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/g7-debt.png</image:loc><image:title>g7 debt</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/us-and-nz-debt.png</image:loc><image:title>us and nz debt</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/us-and-nz-fiscal.png</image:loc><image:title>us and nz fiscal</image:title></image:image><lastmod>2019-01-17T23:28:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/15/how-are-wage-earners-doing/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/lci-wages-vs-gdp.png</image:loc><image:title>lci wages vs gdp</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/labour-share-2018.png</image:loc><image:title>labour share 2018</image:title></image:image><lastmod>2019-01-17T00:47:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/14/material-progress-how-very-recent/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/tech-2.png</image:loc><image:title>tech 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/tech.png</image:loc><image:title>tech</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/fruit-and-veg.png</image:loc><image:title>fruit and veg</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/bread.png</image:loc><image:title>bread</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2019/01/appliances-1950.png</image:loc><image:title>appliances 1950</image:title></image:image><lastmod>2019-01-19T04:24:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2019/01/03/cowering/</loc><lastmod>2019-01-13T21:20:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/24/christmas-near-and-far/</loc><lastmod>2018-12-29T19:22:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/21/productivity-failure-treasury-clearly-has-the-wrong-model/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/real-GDP-phw-dec-18.png</image:loc><image:title>real GDP phw dec 18</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/real-GDP-aapc-18.png</image:loc><image:title>real GDP aapc 18</image:title></image:image><lastmod>2025-09-01T07:22:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/20/the-prc-the-pacific-and-new-zealand/</loc><lastmod>2019-01-14T20:54:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/19/the-tree-god-again/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/RBNZ-Relationships-Charter.jpg</image:loc><image:title>RBNZ-Relationships-Charter</image:title></image:image><lastmod>2018-12-20T02:29:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/20/productivity-no-relief-in-the-hours-data/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/OECD-GDP-phw-hours-adj.png</image:loc><image:title>OECD GDP phw hours adj</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/oecd-hours-chart.png</image:loc><image:title>oecd hours chart</image:title></image:image><lastmod>2018-12-20T20:06:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/20/bank-capital-not-consulting-with-apra/</loc><lastmod>2018-12-20T02:52:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/18/immigration-data-some-questions/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/Counts-by-Total-Work.png</image:loc><image:title>Counts by Total (Work)</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/Counts-by-Full-fee-paying.png</image:loc><image:title>Counts by Full fee paying</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/student-visas-FSV.png</image:loc><image:title>student visas FSV</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/residence-approvals-by-nationality.png</image:loc><image:title>residence approvals by nationality</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/residence-approvals-2018.png</image:loc><image:title>residence approvals 2018</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/R1-Residence-Decisions-by-Application-Stream-1.png</image:loc><image:title>R1 Residence Decisions by Application Stream (1)</image:title></image:image><lastmod>2018-12-19T20:42:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/17/hyefu-bits-and-pieces/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/core-crown-expenses-hyefu-18.png</image:loc><image:title>core crown expenses hyefu 18</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/exports-hyefu-18.png</image:loc><image:title>exports hyefu 18</image:title></image:image><lastmod>2018-12-17T18:46:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/14/the-china-council-takes-the-stage/</loc><lastmod>2018-12-17T09:46:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/14/funding-the-reserve-bank-focus-on-your-statutory-mandate/</loc><lastmod>2018-12-14T09:02:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/13/human-costs-of-big-dislocations/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/murder-us.png</image:loc><image:title>murder us</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/murders.png</image:loc><image:title>murders</image:title></image:image><lastmod>2018-12-16T20:44:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/12/encouraging-transparency-and-accountability/</loc><lastmod>2018-12-12T21:13:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/10/the-china-council-disgraces-themselves-and-shames-us/</loc><lastmod>2018-12-13T01:53:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/11/human-rights-helen-clark-and-the-prc/</loc><lastmod>2018-12-18T10:12:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/11/the-superannuation-sky-is-not-falling/</loc><lastmod>2018-12-12T23:19:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/10/where-have-real-prices-risen-and-fallen/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/house-prices-2018-2.png</image:loc><image:title>house prices 2018 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/house-prices-2018-1.png</image:loc><image:title>house prices 2018 1</image:title></image:image><lastmod>2018-12-13T02:44:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/08/58344/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/returns-to-education.jpg</image:loc><image:title>returns to education</image:title></image:image><lastmod>2018-12-12T01:48:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/07/dont-legislate-depositor-preference/</loc><lastmod>2018-12-12T01:58:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/06/abdicating-a-basic-responsibility/</loc><lastmod>2018-12-10T20:52:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/06/i-didnt-move-to-australia-my-bank-came-to-me/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/tsb-photo.jpeg</image:loc><image:title>TSB photo</image:title></image:image><lastmod>2018-12-19T04:15:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/04/promoting-constructive-vigilance/</loc><lastmod>2018-12-04T23:40:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/04/what/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/capital-chart.jpg</image:loc><image:title>capital chart</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/figure-2.jpg</image:loc><image:title>figure 2</image:title></image:image><lastmod>2019-01-06T07:07:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/03/thoughts-as-the-immigration-data-disappear/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/last-plt-3.png</image:loc><image:title>last PLT 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/last-plt-2.png</image:loc><image:title>Last PLT 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/12/last-plt-1.png</image:loc><image:title>Last PLT 1</image:title></image:image><lastmod>2018-12-05T01:26:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/12/01/universities-and-prc-risk/</loc><lastmod>2018-12-05T21:53:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/30/the-china-council-plumbing-the-depths/</loc><lastmod>2018-12-01T01:00:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/30/inflation-indexed-bonds-are-they-telling-us-anything/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/sec-factor-model-nov-2018.png</image:loc><image:title>sec factor model nov 2018</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/nz-iibs.png</image:loc><image:title>NZ IIBs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/indexed-bond-yield-nz.png</image:loc><image:title>indexed bond yield NZ</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/us-iibs.png</image:loc><image:title>US IIBs</image:title></image:image><lastmod>2018-12-01T00:15:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/29/economic-failure-ccp-style/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/china-3.png</image:loc><image:title>china 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/china-2.png</image:loc><image:title>china 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/china-1.png</image:loc><image:title>china 1</image:title></image:image><lastmod>2018-12-07T04:03:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/28/known-by-the-company-they-keep/</loc><lastmod>2019-04-18T23:46:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/27/squirming-and-hoping-the-issue-goes-away/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/au-students.png</image:loc><image:title>au students</image:title></image:image><lastmod>2018-11-28T19:16:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/27/services-exports-and-economic-performance/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/services-x-nov-18-2.png</image:loc><image:title>services x nov 18 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/tourism-mbie-1.png</image:loc><image:title>tourism MBIE 1</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/tourism-mbie-2.png</image:loc><image:title>tourism MBIE 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/tourism-mbie3.png</image:loc><image:title>tourism mbie3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/services-x-nov-18.png</image:loc><image:title>services x nov 18</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/tourism.png</image:loc><image:title>tourism</image:title></image:image><lastmod>2018-12-03T13:29:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/26/thoughts-prompted-by-the-open-letter/</loc><lastmod>2018-11-26T22:02:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/26/central-bank-minutes-released-a-small-victory-for-transparency/</loc><lastmod>2018-11-27T03:36:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/10/armistice-day/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/berhampore-honours-board.jpg</image:loc><image:title>berhampore honours board</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/island-bay-school-war-memorial.jpg</image:loc><image:title>island-bay-school-war-memorial</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/teheran-memorial.png</image:loc><image:title>teheran memorial</image:title></image:image><lastmod>2018-11-25T21:45:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/26/lvr-restrictions-towards-the-fsr/</loc><lastmod>2018-11-26T10:45:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/24/economics-of-climate-change/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/us-greenhouse-gas-emissions-1990-2016.png</image:loc><image:title>us-greenhouse-gas-emissions-1990-2016</image:title></image:image><lastmod>2018-12-05T14:19:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/23/nz-and-the-prc-friday-bits-and-pieces/</loc><lastmod>2018-11-25T02:41:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/23/not-adequately-reforming-the-reserve-bank/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/interviews.png</image:loc><image:title>interviews</image:title></image:image><lastmod>2018-11-23T00:18:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/22/europes-economic-performance/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/europe-6.png</image:loc><image:title>europe 6</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/europe-5.png</image:loc><image:title>europe 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/europe-4.png</image:loc><image:title>europe 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/europe-3.png</image:loc><image:title>europe 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/europe-2.png</image:loc><image:title>europe 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/europe-1.png</image:loc><image:title>europe 1</image:title></image:image><lastmod>2018-12-02T22:41:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/21/blathers-away-when-directly-asked/</loc><lastmod>2018-11-22T18:42:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/20/aid-and-economic-failure-png/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/png.png</image:loc><image:title>PNG</image:title></image:image><lastmod>2018-11-21T00:38:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/19/exchange-rate-no-rebalancing-in-view/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/twi-18-2.png</image:loc><image:title>TWI 18 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/twi-18.png</image:loc><image:title>TWI 18</image:title></image:image><lastmod>2018-11-19T21:26:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/17/voices-in-support-of-anne-marie-brady/</loc><lastmod>2018-11-19T19:20:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/16/the-prime-minister-continues-to-shame-us/</loc><lastmod>2018-11-20T21:21:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/16/more-kids-means-more-education-spending/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/ratios.png</image:loc><image:title>ratios</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/education-spending.jpg</image:loc><image:title>education spending</image:title></image:image><lastmod>2018-11-20T21:46:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/15/more-thoughts-on-financial-crises-and-economic-performance/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/mfp-crisis-3.png</image:loc><image:title>mfp crisis 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/mfp-crisis-2.png</image:loc><image:title>MFP crisis 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/mfp-crisis.png</image:loc><image:title>MFP crisis</image:title></image:image><lastmod>2018-11-15T03:52:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/15/making-the-trump-administration-look-less-bad/</loc><lastmod>2018-11-27T10:07:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/14/we-need-better-foundations-for-financial-stability-policy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/crisis-costs-2.png</image:loc><image:title>crisis costs 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/crisis-costs.png</image:loc><image:title>crisis costs</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/fernald.png</image:loc><image:title>fernald</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/novspeech-figure2.png</image:loc><image:title>novspeech-figure2</image:title></image:image><lastmod>2018-11-20T23:33:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/13/reserve-bank-whimsy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/orr2.jpg</image:loc><image:title>orr2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/orr1.jpg</image:loc><image:title>orr1</image:title></image:image><lastmod>2018-11-14T10:34:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/13/the-prime-minister-kindness-policy-and-specific-abuse/</loc><lastmod>2018-11-15T01:59:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/12/show-your-workings-kiwibuild-the-reserve-bank-and-the-ombudsman/</loc><lastmod>2018-11-12T04:11:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/10/some-reading-for-todd-mcclay/</loc><lastmod>2018-11-13T20:18:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/09/some-thoughts-on-the-monetary-policy-statement-2/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/productivity.png</image:loc><image:title>productivity</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/breakeven-2018.png</image:loc><image:title>breakeven 2018</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/med-term-projections.png</image:loc><image:title>med term projections</image:title></image:image><lastmod>2018-11-16T11:36:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/08/inching-towards-greater-trasparency/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/ocr-advice.png</image:loc><image:title>OCR advice</image:title></image:image><lastmod>2018-11-08T06:02:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/08/perhaps-standards-are-different-in-rotorua/</loc><lastmod>2018-11-10T14:04:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/07/58071/</loc><lastmod>2018-11-07T23:25:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/07/the-prc-and-new-zealand-bits-and-pieces/</loc><lastmod>2018-11-13T07:05:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/06/that-will-be-2-million-and-would-you-like-fries-with-that/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/culture-2.png</image:loc><image:title>culture 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/culture-1.png</image:loc><image:title>culture 1</image:title></image:image><lastmod>2018-11-12T22:41:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/05/deposit-insurance-obr-etc/</loc><lastmod>2018-11-08T23:46:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/03/on-poland-and-economic-performance/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/poland-5.png</image:loc><image:title>poland 5</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/poland-4.png</image:loc><image:title>poland 4</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/poland-3.png</image:loc><image:title>poland 3</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/poland-2.png</image:loc><image:title>poland 2</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/poland-1.png</image:loc><image:title>poland 1</image:title></image:image><lastmod>2018-11-10T13:36:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/02/restructuring-the-reserve-bank/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/new-leadership-team-structure.png</image:loc><image:title>new-leadership-team-structure</image:title></image:image><lastmod>2019-11-16T23:55:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/02/local-listing-for-banks-a-case-for-one-in-particular/</loc><lastmod>2018-11-06T21:05:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/11/01/did-state-houses-make-much-difference-to-housing-supply/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/11/person-per-dwelling.png</image:loc><image:title>person per 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funds cuts</image:title></image:image><lastmod>2018-10-29T21:56:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/10/27/new-zealand-the-prc-and-our-traditional-partners/</loc><lastmod>2018-10-29T04:42:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://croakingcassandra.com/2018/10/26/australia-not-even-close-to-the-most-successful-economy/</loc><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/10/rnndi.png</image:loc><image:title>RNNDI</image:title></image:image><image:image><image:loc>https://croakingcassandra.com/wp-content/uploads/2018/10/australia-performance.png</image:loc><image:title>australia 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