Hey! Well I'm not actually a Kiwi, originally from Estonia, but been travelling for the past 4.5 years (mostly in Australia, I guess I'm probably part Aussie by now) and been in NZ for about a month on a working holiday visa :) Yeah well most of the world has been in a recession (or a silent depression) for quite some time now, it would only make sense that the markets finally start catching up to reality