The shift to a focus on "wellbeing" in New Zealand government and economic policy is evident in a Reserve Bank of New Zealand background paper on its decision to recommend an increase in bank capital requirements. The RBNZ has proposed an increase in the minimum total capital ratio for the country's banks from 10.5 per cent of risk weighted assets to 17 per cent (18 per cent for ASB, ANZ, BNZ and Westpac). The paper by RBNZ adviser Susan Guthrie focuses heavily on the "societal impacts" of banking crises - from mental health, alcoholism, family breakdown, community cohesion and the wellbeing of children.