Josh Ryan-Collins is Head of Finance and Macroeconomics at UCL’s Institute for Innovation and Public Purpose. His research interests include money and banking, sustainable finance, the economics of land and housing and economic rent. He is the author of three books, two co-authored: Where Does Money Come From? (2011, New Economics Foundation), the first comprehensive study of the workings of the monetary system in an advanced economy; Rethinking the Economics of Land and Housing (2017, Zed books) which was included in the Financial Times’ best economics books of 2017; and Why Can’t you Afford a Home (2018, Polity) which made the case for excessive mortgage credit being the primary driver of the housing affordability crisis in advanced economies. Josh was previously Senior Economist at the New Economics Foundation (NEF), one of the UK’s leading progressive think tanks where he worked for 10 years. He holds a PhD in finance from the University of Southampton Business school and been a visiting researcher at the University of Sydney.