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I have no idea whether property will go up down or sideways, but I find it hard to let go of this 13% thing... it is such a vague lot of gobbledegook. Deregulation meaning... loose lending standards? Global credit growth... um... huh? are they agreeing that there is a credit bubble? Oh well...

Then, he says, that remaining 13% can be attributed to financial regulation and less-quantifiable examples including changes in tax conditions and "the overall impact of deregulation which moves from a system of rationed credit... to one that uses debt facilities to use credit" watchu...