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Which of these factors is likely to have the biggest impact on our economy over the next 12 months?

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RBNZ outlines risks of commercial property debt Property
26 Mar 15, 2:53pm
Greg Ninness 1
Reserve Bank says commercial property carries $30 billion of debt in this country and is riskier for banks than residential lending
Bribery and corruption: NZ's far from exempt Business
26 Mar 15, 2:38pm
Jenée Tibshraeny 10
Deloitte reveals incidents of bribery and corruption on the rise - Bill going through Parliament to help crack down on offenders
Minimum repayment warnings for credit cards Updated Personal Finance
26 Mar 15, 10:12am
Gareth Vaughan
Shake-up to consumer credit laws includes introduction of minimum repayment warnings on credit card statements
Time to cut floating mortgage rates Opinion
26 Mar 15, 4:00am
Gareth Vaughan 11
Gareth Vaughan argues it's time for banks to cut unjustifiably high floating mortgage rates
Fixing an upended playing field Business
26 Mar 15, 9:36am
Guest 3
Simon Moutter says offshore online rivals enjoy an unfair tax advantage and should have to make an equal contribution to New Zealand society

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Sharp swings in USD

Risk-off sentiment, poor sharemarket performance, suprising US data and Saudi military operations in Yemen combine to drive USD higher against majors