Returning and older Kiwis are seeing the benefits of buying into smaller lock and leave homes, though developers are also catering for those keen on the top floor.
High wholesale electricity prices will persist but may soften thanks to some heavy rainfall in South Island hydro catchments.
The select committee says it is time to accept that cheques are a thing of the past.
The changes are good news for most users but not for those putting large sums into index funds.