In this podcast episode, John and Andrew discuss various topics including development news, securing financing for developments, reducing house prices, and the New Zealand property market. They also review a book on the history of money and discuss government policies on insulation standards. The conversation highlights the challenges and opportunities in the property development industry.   Chapters 00:00 Exploring the Latest News and Updates 00:28 Recent Development News and Updates 00:49 Introduction and Vegas Trip 03:10 Fluctuating House Prices 06:49 The Impact of Interest Rates 09:16 Government Policies and Construction Costs 11:38 Investors Buying Less Off the Plans 12:36 Home Ownership Rates 13:57 Rolling Back Insulation Guidelines 15:56 The Need for Infrastructure Improvements 17:52 Regional Discussion on Insulation Standards 18:49 Challenges and Opportunities in the Real Estate Industry 19:14 Declining Hotel Revenue and Construction of a New Moxie Hotel 21:08 Halt of the Client Gore Program and Fragility of Centralized Systems 24:33 Solving the Housing Affordability Issue with New Technologies in Construction 28:53 The Benefits of Homeownership and Financial Resilience 30:19 Understanding the Process of Securing Financing 32:43 Securing Financing in Stages 34:36 Preparing for Financing: Clear Plans and Track Record 36:01 Choosing Between Banks and Private Lenders 38:25 Building Relationships with Lenders 38:48 Jason's Development 39:24 Understanding Site Constraints and Choosing Consultants 41:57 Update on the Property Development Club Course 44:03 Book Review: 'The Ascent of Money' by Niall Ferguson