A review of things you need to know before you sign off on Thursday; FMA warns insurers, Kiwibank profit falls, Heartland profit rises, an Auckland traffic solution?, big bond demand, retail failures up, swaps stable, NZD jumps, & more

Heartland CEO Andrew Dixson says if the proposed TSB deal goes through, Heartland will continue to keep its focus on reverse mortgages front and centre as the group wants to capture 'as much of that market as we can'

Tax claims fly around parliament as National targets Labour over tax

Kiwibank CEO Steve Jurkovich says ANZ NZ has been 'very competitive' in mortgage market, notes bank mergers 'quite tricky' to pull off