AUS
// Research
August 2024
articles
The McKell Institute had a front row seat for Kamala Harris’ nomination. Here’s what it was like.
August 2024
reports
Increasingly, individuals and families are turning to emergency relief programs administered by charities as a last resort.
July 2024
NT
articles
Yesterday, 37 days out from the Northern Territory election Chief Minister Eva Lawler and Opposition Leader Lia Finocchiaro met at the...
June 2024
articles
The Coalition's nuclear proposal doesn't stack up economically. Here's why.
June 2024
// QLD, SA
reports
There is growing momentum to enshrine paid reproductive leave in the Fair Work Act (2009). Building on the momentum in the...
June 2024
articles
A delicate fiscal & economic context NSW Treasurer Daniel Mookhey today handed down the Minns Labor Government's second budget. In April,...
June 2024
// QLD
articles
On Tuesday June 11 2024 the Queensland Treasurer delivered his fifth Budget and the first for the Miles Government. In what...
June 2024
// SA
articles
There were no surprises in today’s budget lock-up as the majority of the Hon Stephen Mullighan’s budget had been announced ahead...
May 2024
// QLD, SA
articles
In October 2023 Glencore announced that after 60 years of copper mining, the Mount Isa Mines’ underground copper operations (Enterprise, X41...
May 2024
articles
To speak of a ‘housing crisis’ in Australia is increasingly trite. Housing in Australia is now simply a disaster. Month after...
May 2024
reports
The McKell Institute’s latest report, Fuel on the Fire: Fixing the policy gaps driving petrol station robberies in SA, outlines a...
May 2024
reports
In 2020, the Parliament of Victoria passed 33ZDA of the Supreme Court Act 1986 (Vic), empowering the Supreme Court of Victoria...
April 2024
// NSW
reports
NSW’s housing crisis is the most pressing public policy challenge facing the state. Housing affordability in NSW, and Sydney in particular,...
February 2024
reports
Tasmanians are suffering from the lowest per-capita spending on public transport in the country. This report recommends a new approach.
February 2024
reports
This report outlines a 3 stage reform process designed to prohibit IUU seafood from entering Australian markets.
January 2024
articles
Over the past year, governments across Australia enacted billions of dollars in cost-of-living relief. At a state level, pauses on transportation...
January 2024
reports
Over the past year, governments across Australia enacted billions of dollars in cost-of-living relief. McKell's 2024/5 budget submission offers six ideas...
January 2024
articles
Too many working Australians are relying on payday lenders. The Albanese Government should provide an alternative.
December 2023
reports
With October marking a year to go until the next state election the next 12 months will provide an opportunity to...
December 2023
articles
11 McKell ideas are now government policy across Australia. Here's our 2023 wrap.
December 2023
reports
2023 has been a year of transition, growth and impact for the McKell Institute.
October 2023
// VIC
reports
This submission to a Victorian Parliamentary Inquiry into Housing Affordability presents a number of ideas that demonstrate how the Victorian Government...
October 2023
reports
Retail violence and abuse in Tasmania has been consistently rising in recent years. Reported incidences have increased by 40.3 per cent...
September 2023
reports
Unpaid work dominates the global economy but takes a back seat in economic discussions and policymaking.
September 2023
reports
This submission into the ACTU-backed inquiry calls on the government to take action on pricing in order to achieve a two-pronged...
September 2023
// AUS
articles
Download our submission here. The McKell Institute’s submission to the Joint Committee on Corporations and Financial Services’ Inquiry into Ethics and...
September 2023
// AUS
reports
This submission details the drastic increase in the use of external consulting firms by the Commonwealth over the last decade. It...
August 2023
articles
Wage theft still costs Australians over $1bn per year. McKell's latest wage theft calculator allows you to see how much wage...
August 2023
reports
There has been significant progress by state and federal governments in recent years aimed at addressing wage theft. Intentional underpayment, as...
July 2023
reports
The microbusiness sector is the fastest growing sector of the small business community, and now employs 2.9 million people. Our leaders...
July 2023
reports
NSW's regional and rural skills crisis has been compounded in recent years by tight labour market conditions. This report considers the...
May 2023
articles
We conducted the largest ever survey of gig workers in Australia. The results demonstrate the need for reform.
March 2023
// QLD
reports
This report calls for the funding model for community response services, like Lifeline, to move from a 'crisis response' model to...
March 2023
reports
This research project involved one of the largest ever surveys of transport workers in the gig economy in Australia.
February 2023
reports
The mental health crisis in Australia is undeniable. According to pre-pandemic figures, almost one in five Australians experience mental illness each...
February 2023
reports
This report examines the NDIS, and why a novel Portable Entitlements Scheme is a necessary policy intervention.
February 2023
reports
Australian wages have been in a period of low wage growth for more than a decade.
February 2023
reports
This report considers the economic impact of workplace injury in South Australia, and examines performance issues facing the state's workers' compensation...
December 2022
reports
In 2022, the first post-COVID federal election and progressive victory meant that McKell Institute research was at the forefront of the...
December 2022
reports
Since international standardised testing began in 2000, Australia’s educational standing has steadily declined relative to our peers. Of the 35 countries...
September 2022
// VIC
reports
Apprenticeships remain a key part of the skills development system that is providing Victoria with the skilled workforce required to meet...
September 2022
reports
Climate change is no longer a theory, it’s a fact. The consequences are upon us, and there are both severe direct...
August 2022
reports
This brief report seeks to analyse and identify the population cohorts that have been excluded from the labour market.
August 2022
// VIC
reports
Infrastructure has a social purpose.
August 2022
reports
Australia is in the midst of a remarkable energy transition. With the election of the Albanese Government in 2022, Australia is...
July 2022
reports
Workers' compensation is an essential safety net, and is intended to provide a degree of financial protection for those workers unfortunate...
May 2022
reports
The EV revolution promises a future of low-emissions transportation, and is essential if Australia is to meet its climate obligations. But...
May 2022
reports
This report examines the economic impact of the increased use of labour-hire in key mining communities across Australia.
April 2022
// AUS
reports
Australian workers are enduring a sustained period of low wage growth, in both the private and public sectors, in all Australian...
April 2022
reports
Economic management is a feature of all election campaigns, but key claims made to date do not stack up. This Data...
April 2022
articles
Everything is uncertain – except wages growth? In Josh Frydenberg’s budget address Tuesday night, the treasurer highlighted the unpredictability of the...
March 2022
reports
Australians’ quality of life depends on the ongoing provision of quality infrastructure. It has a social purpose. It is an essential component...
January 2022
// AUS
reports
This report explores how Victoria can improve specialist care for burns patients in the state. excerpt
December 2021
// AUS
articles
The pandemic continued to test policymakers in 2021. Here's McKell's contribution to the year's debate.
December 2021
reports
This report examines the effects of 'super-for-housing' policies on house prices, finding the proposal would be detrimental to Australians' economic wellbeing.
December 2021
reports
In partnership with Lifeline, this report explores the mental health impact of COVID-19 and how crisis lines supported Victorians during the...
December 2021
// SA
reports
South Australia has the second highest rate of job insecurity and the lowest pay in Australia. This report details the challenge,...
December 2021
reports
The McKell Institute Queensland's 2021 Annual Review.
December 2021
reports
Free TAFE courses in identified areas of skill shortages is an economic reform that would help Australia build back stronger after...
November 2021
reports
For the 2 million Australians living with rare diseases, access to medicines can be inadequate. This report reassesses 2014 research by...
November 2021
reports
Automation is changing the way we work. But reforming the way Australia's redundancy system works can help protect workers from disruption.
October 2021
reports
This submission details the consequences of proposed deregulation of trading hours in Queensland, citing independent public polling that highlights opposition to...
October 2021
reports
Uncertainty will undoubtedly be impacting on business decisions with respect to commercial borrowing to help replace recession-induced falls in revenue. In...
September 2021
reports
Capital concentration has the potential to distort market competition and increase rent-seeking behaviour. It can hinder businesses who seek to access...
September 2021
// QLD
reports
As the world moves increasingly online, digital inclusion is necessary for people to be fulsomely engaged in economic, social and civic...
August 2021
// VIC
reports
The COVID-19 pandemic caused Australia’s first recession in a generation, including the largest ever quarterly fall in gross domestic product on...
July 2021
reports
Australia's vaccine roll-out has been poor. This report explores how enabling more community pharmacies to deliver the vaccine will help accelerate...
July 2021
// AUS
articles
As millions of doses arrive in Australia over coming months, policymakers will increasingly need to focus on ensuring demand for vaccines...
June 2021
reports
This report examines seven policy preferences of the federal government, and their effects on wage growth.
June 2021
reports
This report quantifies the forgone local economic activity to NSW resulting from offshoring major projects, through an examination of six major...
June 2021
reports
This report examines the experience of this segment of the workforce during COVID-19 and outlines a policy agenda that will provide...
May 2021
articles
This article is a modified version of a speech by Hon Rachel Nolan delivered to the 11th Queensland Transport Infrastructure Conference.
May 2021
articles
In response to the COVID-19 pandemic, the Government allowed individuals affected to access up to a total of $20,000 of their...
May 2021
articles
Budget 2021-22 contained almost $100 billion of new spending and a suite of major initiatives. But there is always room for...
May 2021
articles
The Federal Budget missed an opportunity to adequately resource efforts to combat wage theft and exploitation.
May 2021
reports
This is the second report of our series that quantifies the economic impacts of Australia's delayed vaccination program.
April 2021
reports
This report quantifies the economic impacts of Australia's delayed vaccination program.
March 2021
reports
Australia has the best solar resources and some of the best wind resources in the world. Australia can become a renewable...
March 2021
reports
McKell Institute's submission into the NSW Treasury's property tax reform inquiry.
March 2021
reports
2020 was a year like no other and changed many of the ways we live and work, and many of these...
March 2021
articles
Australia ranks 50th in terms of female representation in its Federal Parliament. This article explains why - and proposes new ideas...
February 2021
reports
Insecure work is a growing challenge in Australia. This report explores how the implementation of a portable entitlements scheme could improve...
February 2021
articles
All of us who spend time with young children know just how much they learn, and how quickly. The early years...
December 2020
articles
In this latest superannuation mythbuster, James Pawluk counters arguments Australia's super fees are out of line with the rest of the...
December 2020
articles
2020 tested policy thinkers like never before. Our year in review details McKell's contribution.
December 2020
reports
Wage theft remains rampant in Australian horticulture, even during COVID-19. This investigative report explores the issue in northern NSW's blueberry industry.
December 2020
// QLD
reports
The McKell Institute Queensland's 2020 Annual Review.
November 2020
articles
Many Australians work more than one job, and for most it’s an economic necessity. Stitching together different jobs, often in different...
October 2020
// QLD
reports
This report offers new ideas to help South East Queensland embrace an active transport revolution.
October 2020
articles
As the superannuation debate ramps up, the McKell Institute will be sorting fact from fiction. In this article, James Pawluk counters...
October 2020
// NSW
reports
This Discussion Paper outlines a proposal to deliver Sydneysiders continuous foreshore access from the Sydney Opera house to Parramatta CBD.
October 2020
reports
This report advocates a universal Child Care Subsidy and evaluates the Working Family Child Care Boost.
September 2020
reports
Australia is a prosperous country, but too many Australian families experience food insecurity. This report explores the issue in Queensland.
September 2020
articles
JobKeeper is set to be significantly reduced from September 28, 2020. Postcode level data demonstrates the extent of the changes in...
September 2020
reports
At the end of September, JobKeeper payments will be reduced for millions of Ausrtalian workers. This report explores the impact of...
August 2020
articles
For the first time in decades, Australia is at risk of leaving a generation worse off than those who came before...
August 2020
articles
The COVID-19 pandemic has had a disproportionate impact on women in the workforce. This article charts to what extent, and what...
July 2020
// AUS
articles
The recent second wave shows us that current policies aren’t enough. We need a dedicated scheme to ensure that sick people...
July 2020
// NSW, VIC
articles
We list some of the common arguments against wearing masks, and why they should be debunked. Feel free to share this...
July 2020
articles
As Australia faces our first recession in nearly three decades, the Government should be doing everything in their power to stimulate...
June 2020
// Queensland
reports
This report collates recommendations put forward by participants of McKell Institute Queensland's 'Reopening Queensland Digital Roundtable', held on June 10, 2020.
June 2020
reports
Australia is an immigration nation, and among the most successful multicultural countries in the world. But for too many new migrants,...
June 2020
// NSW
reports
COVID-19 remains a significant health risk. But policymakers are now in the process of considering how to safely reopen economies.
June 2020
articles
The COVID-19 induced recession ends a 28 year long period of sustained economic growth, the longest period of continuous economic growth...
June 2020
// QLD
articles
Queensland’s emissions are the highest in the country, and a lack of a coherent federal energy policy is further hampering Queensland's...
June 2020
reports
This paper makes the case that future tranches of fiscal stimulus should target Australian workers who have been on the frontline...
June 2020
reports
This report outlines the principles that should govern an Australian Aviation Plan in the wake of the COVID-19 economic downturn.
May 2020
articles
Data has started to emerge painting a picture of the scale of the COVID downturn - and highlight where we need...
April 2020
articles
The economic fallout of COVID-19 is making inequality worse, with the most profound economic impacts being felt by those who were...
March 2020
articles
Many of Australia's economic responses to COVID-19 have been necessary and welcome. But changes to super policy risk undermining the system,...
March 2020
articles
COVID-19 is one of the biggest health challenges in memory - but it is also causing economic hardship. We're keeping tabs...
March 2020
reports
COVID-19 is a major health challenge. It also creates unprecedented economic challenges, especially for low income workers, and the 3.7 million...
March 2020
reports
This report explores the economic impact of the casualisation and increase in labour-hire in the mining industry.
March 2020
reports
Australia’s superannuation system not only ensures that working Australians can retire with dignity but also provides a number of broad economic...
February 2020
articles
Australians believe in a fair day's wage for a fair day's work. Why, then, do young Australians receive so much less?
November 2019
reports
The nature of work in Australia is rapidly changing. This report explores the forces that are shaping the Australian labour market,...
October 2019
reports
Too many Australians with rare diseases aren't receiving the treatment they deserve. This report explores how we can do better.
September 2019
articles
Despite claims to the contrary, there is scant empirical evidence of a causal relationship between superannuation increases and low wage growth.
May 2019
// NSW
articles
Millions in the Pacific Islands have no access to electricity. Their growing demand for cleaner, off-grid energy solutions provides an opportunity...
May 2019
reports
Millions across the Pacific Island region live without power. This report explores how Australia can step up to this challenge, and...
May 2019
articles
A reduction in penalty rate income continues to be felt across all Australian electorates. This analysis identifies the cost in each...
May 2019
articles
For many Australians, home ownership remains a distant dream. This article explores how greater investment in social housing can improve housing...
May 2019
// NSW
reports
This discussion paper explores the economic impact of the Australian investment guarantee, an economic policy initiative of the Federal Opposition's taken...
April 2019
reports
This report forecasts the impact on workers' incomes over the next term of parliament under the two major parties' respective penalty...
April 2019
// AUS
articles
Australians will soon go to the polls but latest data* from the McKell Institute shows voters will be limited for choice.
March 2019
reports
Wage theft is endemic across Australia. This report outlines how state and federal governments can do more to eradicate underpayment.
March 2019
// AUS, NSW
articles
Over the next three months, NSW voters will vote under two different systems. With the rate of informal votes being cast...
March 2019
// SA
reports
Wage theft is becoming endemic in Australia. This report looks at its likely economic impact on South Australia's economy.
February 2019
// NSW
reports
By 2050, Sydney is expected to be home to more than 8 million people. This report explores how the challenges and...
January 2019
articles
For years, Australia’s economic stats have looked pretty rosy. So why are so many Australians stuck in insecure work?
December 2018
articles
December's MYEFO celebrated a forecast return to surplus. But should wage growth remain stubbornly low, the forecast surplus might be smaller...
December 2018
reports
Tax avoidance by large multinationals is a significant problem in Australia as it is around the world. This report explores options...
December 2018
// AUS
reports
Australia is often referred to as the ‘most successful multicultural country on earth. But what does this really mean? How is...
December 2018
articles
Australia is often referred to as the ‘most successful multicultural country on earth’. But what does this really mean? And how...
December 2018
reports
The Australian energy market has seen significant changes over the last couple of years. The major conclusion that has come out...
November 2018
articles
Despite the scare campaigns, negative gearing reform is as needed now as it was when McKell first made the case in...
November 2018
reports
Professor Richard Holden, author of The McKell Institute's influential Switching Gears report in 2015, re-prosecutes the case for pursuing negative gearing...
November 2018
// QLD
reports
This report explores the problem of marine litter in Australia, providing strategies whose implementation could reduce our “marine” footprint and expand...
November 2018
// QLD
reports
This report provides an important contribution to the emerging debate on wage theft and its impact on Queensland and Australia’s economy.
October 2018
articles
If the government is serious about lowering power prices, it must deliver long-term stability to Australia’s gas sector.
October 2018
// AUS, NSW, QLD, SA, TAS
reports
Household energy prices across electorates in Queensland, New South Wales, Victoria, South Australia, and Tasmania, will continue to rise until 2020...
September 2018
reports
Early retirement due to ill health imposes a significant economic cost. Work VISES undertook for the APEC Business Advisory Committee and...
July 2018
reports
This report addresses the question of how superannuation trustees, whose funds dominate Australian capital markets, can ensure that they are investing...
May 2018
reports
Australia, like many developed nations post the Global Financial Crisis, is enduring a period of declining wage growth and increasing inequality...
May 2018
// AUS
reports
As the United Kingdom moves towards leaving the European Union, there are national conversations to be had on trade policy, which...
May 2018
// NSW
reports
As Australia’s economy navigates a period of unprecedented transformation, quality education for all Australians has never been more important. For generations,...
May 2018
// NSW
reports
In this report, trends in health spending and outcomes are examined, focusing on change until 2030, but also noting the likely...
March 2018
// SA
reports
The oft-discussed issue of retail trading hours deregulation has once again emerged as a central issue in the state.
February 2018
reports
Wholesale gas prices play a central role in shaping household power prices, and current wholesale gas prices are significantly inflated, impacting...
January 2018
// AUS
reports
One of Australia’s most significant achievements has been its strong and prospering economy with a growing middle class and the equal...
January 2018
// VIC
reports
In 2015, when the McKell Institute released our first report into Australia Post, the business was about to record its first...
December 2017
reports
This discussion paper explores the role that penalty rate cuts have had on national economic data released for Quarter 3, 2017.
November 2017
articles
Harm reduction and crime prevention: measuring the impact of supervised injecting facilities There are over 70 medically supervised injecting facilities (MSIFs)...
October 2017
// VIC
reports
This report offers a comprehensive strategy to ensure Victoria's manufacturing sector thrives.
October 2017
reports
This report explores how the government provision of complimentary medicines can create a more equitable health system in Australia.
October 2017
reports
Women in Australia typically hold around half the superannuation as men. This report explores targeted measures to help overcome this enduring...
September 2017
reports
This report finds that Australian workers stand to lose up to $9.5 million in income over the Grand Final / Labour...
August 2017
reports
This report advances the concept of a national Social Emergency Lending scheme that could grant Australians easy access to emergency funds...
August 2017
reports
An examination of policy approaches to Aboriginal affairs in NSW, and case study of development and implementation OCHRE, the state's guiding...
August 2017
// VIC
reports
Melbourne is getting bigger. To capitalise on its growing population, innovative data-driven approaches to transport need to be explored.
July 2017
// AUS
articles
Australia stands to gain economically and socially from pursuing education reform that prepares our children for a new digitally enabled world.
June 2017
articles
Australia remains a leading immunisation nation. But in key demographic groups, improvements in the immunisation rate need to be improved to...
June 2017
// AUS
articles
Privately run public hospitals are becoming a more popular choice for governments, but are operating below the radar.
May 2017
// NSW
articles
If Sydney is to tackle its housing affordability issue, then more housing development must be approved.
May 2017
reports
This report explores the impact of the Fair Work Commission's decision to lower Sunday penalty rates on regional and rural Australia.
May 2017
articles
Despite the topic capturing the attention of policy makers and businesses, and impressive gains by women in education over past decades,...
May 2017
articles
Executive Director Sam Crosby launching The McKell Institute new initiative, The Ideas Forum.
April 2017
reports
Australia is on the cusp of a natural gas boom, with hundreds of billions of dollars worth of natural gas set...
March 2017
// AUS
reports
Big Data is changing the way citizens engage with the world around them. This report explores how the strategic implementation of...
March 2017
// QLD
reports
Trading hours in Queensland are set for deregulation. But this report finds the benefits might not outweigh the consequences.
February 2017
reports
This report explores the impact of the Fair Work Commission's February 23 2017 decision to reduce Sunday penalty rates.
February 2017
// AUS
reports
The R&D Tax Incentive is an essential policy in fostering Australian innovation. This report shows why.
October 2016
// AUS
reports
This report analyses the Building and Construction Industry Code (2014), and how it Australians working in the construction industry.
October 2016
// AUS
reports
Bio-Savvy examines the challenges and opportunities associated with fostering a strong bio-tech sector in Australia.
October 2016
// AUS
reports
No Mind Left Behind introduces the first of McKell’s opportunity indexes, mapping Australia’s most advantaged and disadvantaged in terms of educational...
September 2016
// AUS
reports
Australia's a proud and thriving trading nation. However, in order to maintain confidence in international trade, anti-dumping measures must be reinforced...
September 2016
// NSW
reports
The McKell Institute's submission into the NSW Government review into Apprenticeships and Traineeship policy in the state.
September 2016
// AUS
reports
'Choosing Opportunity' offers a comprehensive policy blueprint for a fairer, more prosperous Australia.
September 2016
// AUS
reports
Many of Australia's local governments lack the financial resources they need. This report offers options for reform to meet the shortfall.
May 2016
reports
This addendum to Switching Gears outlines the precise impact on house prices under the proposed changes.
May 2016
// NSW
reports
Sydney's traffic is among the worst in the world. This report explores creative ideas to harness existing community assets to alleviate...
April 2016
// AUS
reports
Pipe Dreams explores why infrastructure in Australia is so expensive, and outlines ideas to help drive the cost down.
March 2016
// NSW
reports
This report examines the option of replacing stamp duty with a more equitable land tax in New South Wales.
February 2016
// AUS
reports
Penalty rates play a vital role in the economy. For our heath workforce, they are particularly important. This report outlines why.
February 2016
// AUS
reports
This additional research to The McKell Institute's 2015 Switching Gears report outlines the positive impact the recommendations would have on GDP...
December 2015
// QLD
reports
Penalty rates are essential to the livelihoods of workers in the retail and hospitality industries. This report outlines the impact of...
September 2015
// AUS
reports
Australia's population is ageing. This report offers ideas that will reform aged care, and better enable our population to engage in...
July 2015
// NSW
reports
Penalty rates play a central role in rural and regional economies throughout Australia. This study explores the impact in rural New...
June 2015
// AUS
reports
The early years are the most important in a child's development. However, Australia's early childhood education system is in urgent need...
June 2015
// AUS
reports
In this influential report, The McKell Institute argues for various changes to negative gearing to improve housing affordability in Australia.
April 2015
// AUS
reports
This report explores the economic impact of reducing penalty rates for Australia's retail and hospitality workers, and the broader economy.
March 2015
// AUS
reports
This report examines the Federal Government’s attempt to reform the workers’ compensation landscape via the Safety, Rehabilitation and Compensation Legislation Amendment...
March 2015
// AUS
reports
Digital Post explores the challenges facing Australia Post, and the need for change to embrace contemporary circumstances.
December 2014
// NSW
reports
The NSW Government entered the 2015 state election with a plan to privatise NSW's power networks. This report outlines why NSW...
November 2014
// AUS
reports
The privatisation of elements of Australia's healthcare system is highly prone to unforeseen consequences. This report explores the risks of privatisation,...
November 2014
// AUS
reports
Australia's system for funding new therapies that treat rare diseases is in need of reform. This report outlines actionable policy changes...
November 2014
// AUS
reports
A key challenge facing policymakers is the question of how to fund new transport infrastructure in an increasingly constrained fiscal environment....
August 2014
// AUS
reports
This report explores the governance structures and performance of industry superannuation funds in comparison to other funds in both the Australian...
August 2014
// AUS
reports
The NBN is central to Australia's economic future. This report explains how, and what must be done to ensure it delivers.
July 2014
// NSW
reports
The Western Sydney airport must be of the highest standard. By opening the design to architectural competition, the best vision for...
March 2014
// NSW
reports
Clubs play an important role in communities across New South Wales. This report explores options to facilitate a new wave of...
June 2013
// AUS
reports
It is becoming increasingly rare for Australian workers to stay in a job long enough to enjoy long service leave. This...
November 2012
// AUS
reports
Australia's productivity performance over the last decade has slipped. This report offers ideas to get Australia back on track.
June 2012
// AUS
reports
In this, The McKell Institute's seminal report, the defining issue of our day - housing affordability - is addressed, with 40...