hapsarzky (@hapsarzky)’s video of cfa level 3 itu apa

For years I’ve been told the housing crisis is caused by immigrants. So I spent weeks reading ABS data, Treasury reports, RBA publications, housing research, and government statistics to see if the evidence supported that claim. What I found surprised me. Immigration matters, but the research consistently points to multiple causes: underbuilding, zoning restrictions, planning delays, construction shortages, investor incentives, population growth, and cheap credit. Focusing on one cause often ign