Perenna is a company hoping to change the way home buyers borrow money in the UK with a system borrowed from Denmark. It claims its way of lending money will make housing more affordable. We test that claim and look into how this change could affect the covered bond and residential mortgage backed securities (RMBS) markets.With the number of publicly listed companies seemingly in secular decline, we discuss how stock exchanges and regulators around the world are competing to persuade companies to list with them — especially exciting, new tech firms. We examine what a company needs from an IPO and the public trading of its stock and what it wants to avoid, and how the various reforms are helping or hindering those aims. We also take a closer look at the biggest market of them all, New York, which seems to be taking a rather different approach to regulation from the rest of the world and debate what the consequences of that may be.