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The views, opinions, findings, and conclusions or recommendations expressed in this report are strictly those of the author. They do not necessarily reflect the views of the New Zealand Treasury, Stats NZ or the New Zealand Government. The New Zealand Treasury and the New Zealand Government take no responsibility for any errors or omissions in, or for the correctness of, the information contained in this Analytical Paper. Access to the data used in this study was provided by Stats NZ under conditions designed to give effect to the security and confidentiality provisions of the Data and Statistics Act 2022. The results presented in this study are the work of the author, not Stats NZ or individual data suppliers.