Susan Lloyd-Hurwitz is quoted in the AFR 29-30 April 2017 as warning policymakers to be wary of changes that sought to treat the Australian housing market "as one homogenous whole". The article goes on to suggest an entrenched undersupply requiring a co-ordinated approach to taxation planning reform and a new approach to rental markets. I couldn't agree more but have long given up on Turnball and Morrison having the fortitude to make those necessary changes; assuming the diversive senate started thinking the big picture as opposed their own path to glory. APRA - well I suspect they do as they're told but I have been considered a sceptic in some circles.