8  BIS Review 154/2009  Graph 9  Home Ownership Rates in Australia %  %  Total 60  60 Under 35 years  40  40  20 1984  1988  1992  1996  2000  2004  20 2008  Source: ABS Survey of Income and Housing (SIH)  A particular problem for first-home owners is that the rise in the ratio of house prices to income has substantially increased the deposit needed to get into the market.
For example, we need to allow boards of directors and management to spend a smaller portion of their time on technical compliance exercises and more time focusing on the activities that support sustainable economic growth. Fourth, we need to continue to strive to provide an appropriate level of transparency to supervised firms and the public regarding our expectations.