Only to take the most recent examples of such messages I think that the agreed G7 Communiqués of the Boca Raton and the Spring meetings this year were useful. 2. The institutional set-up  The second area of major change that I would like to highlight is the institutional set-up of the international system.
Whilst not materially affecting the amount of allowances available, differentiating the allowances of first time buyers and second and subsequent buyers allows for a more precise calibration of the rules by borrower type if in future they need to be tightened or loosened in response to emerging risks and developments in the property market. Negative equity borrowers are exempt from the measures.