Imagine you're right about China - lending market is a bit of an unregulated free-for-all, with cronyism more important than returns so if you are in the 'in-crowd' cheap money wouldn't be difficult.

Love your work, Emma.

Totally applies to Chch as well (except the traffic part!). Down here we have a blank canvas, and planners need to realise that some of us want to live in vibrant, buzzing communities, not 20kms away behind a white picket fence. From a post-grad student mum who will probably move to Melbourne.