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Let's touch it then; I'm game if you are ;) To determine the truth or otherwise of this, I suppose we need to look at all other means of raising capital and their relative merits, costs and risks. Eg: - Earning more and/or spending less thus saving more - Increasing yields on assets...

Although I haven't heard this expression for ages, I wonder if during such times, people will once again say 'Cash is King', as opposed to now, where equity in property is seen as being nearly as good. Although during such times banks might drop maximum allowable LVRs (or require mortgage...

Though didn't real unit labour costs fall under the first 6 years of the Accord (as shown here: http://www.acirrt.com/pubs/WP65.pdf ) ? The strong employment growth of the time (ie more people in jobs and higher household income) and the tail end of the baby boomers buying or upgrading...

Yes, but the relevance of 'median wages' is limited, as will be explained shortly. Generally households can be considered as a single economic unit, particularly for major shared expenses like housing. Singles and divorcees excepted, I don't think it's quite fair to draw conclusions by...