A review of things you need to know before you sign off on Friday; quiet on the retail rate front, rural exports rise strongly, jobs market soft but better in the SI, El Niño arriving, quotas to mess with beef trade, swaps stable, NZD soft, & more

Jarden analysts see a sea-change for the Aussie parents of NZ's major banks, with tax changes ending 'rivers of gold' from housing lending and bringing dividend payout ratios into question

Nobody had to mean it. The informal rules won over the formal ones and so decided who held power, and it wasn't the Minister, Natalia Albert says of Immigration NZ's shambolic tech project

Patrick Nolan says the steady compounding pressure of more NZ Super claimants per active worker needs to be addressed. Who pays more, how soon, and what other public services need to be adjusted?