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I’ll use this page to post doc­u­ments that are inputs to pol­i­cy for­ma­tion.

Sub­mis­sion to the Sen­ate Inquiry into com­pe­ti­tion with­in the Aus­tralian bank­ing sec­tor

I will post my sub­mis­sion short­ly when cleared by the com­mit­tee

QED mod­el to illus­trate that bank prof­its rise as debt is cre­at­ed more quick­ly.

My Sub­mis­sion to the Wal­lis Com­mit­tee in 1996

Sup­ple­men­tary let­ter (after learn­ing from the Com­mit­tee at the Hear­ing that they were con­sid­er­ing allow­ing secu­ri­tised lend­ing).

Talk at Par­lia­men­tary Library Novem­ber 26th 2008 (to be added after the talk)

Sub­mis­sion to the House of Rep­re­sen­ta­tives Eco­nom­ics Com­mit­tee Inquiry into Home Lend­ing

Per­ma­nent Mort­gages Pty Ltd v Michael Robert Cook and Karen Cook [2006] NSWSC 1104