I find building “experts” are little help. I have to accept JJ’s challenge. The bank managers roll in. Maybe there is a bank that does not have investments in fossil fuels and main grid industries. A bank that will risk we might sell our home so another bank reap the returns. Facts and figures fly. I impress them with my clincher, the 2% Gap argument*. Is it enough? We await their decision.

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Footnote * 
Shrinkage and slump of as little as 2% in a square meter of insulation can reduce its value by 25% in ceilings and 50% in walls. If this occurs early in the life of the building heating and cooling bills are increased. This increased expenditure over the life of the building can compound to sums of money larger than the building cost to construct. The expenditure can far outweigh any extra costs installing sustainable insulation.  The extra heating and cooling costs affect discretionary income and the occupants’ health.Most domestic dwellings are built to a 0-5 year time frame in New Zealand. Even homes built by their first occupants are sold, on average, within that time.

Chapter Seven - The House of Life - The Gods of the Banks.        

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