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ibaylor+bank+believes+the+New+Zealand+dollar+will+appreciate+over+the+next+five+daysvestors who bought and held, as insurers do. US securitisations are supported by government guarantees on most home loans. Europe has no such system. Now regulation risks penalising products that can help free up lenders and allow them to make fresh loans. Solvency II is still grinding its way through Brussels. There is just time for changes to be made. This should be revisited.