Mary Jo Vergara from Kiwibank, an expert on interest rates and housing dynamics, shares her insights on the recent drop in inflation from 7.3% to 3.3%. She delves into its implications for interest rates and the housing market, pointing to potential cuts from the Reserve Bank. The discussion also highlights economic trends such as declining consumer spending and the complexities of monetary policy. Looking ahead, Mary Jo offers an optimistic view for 2025, anticipating recovery in business investment and consumer confidence.