1 of 2
Quick setup
What's your natural way into a new idea?

Same ideas, different format. This shapes how your content arrives.

📖
A story or example first
Help me feel the context before the facts.
📊
Data and evidence
Show me the numbers. I need to see before I believe.
🎧
Listening and watching
I process ideas when I can hear or see them.
A strong claim to push back on
I think better when I'm provoked to argue.
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Be honest
What do you actually want from this?

Mundi works differently depending on where you're starting from.

🌱
Build from scratch
I don't know much about this yet. Give me a real foundation.
🥊
Challenge what I think
I have views on this. I want them tested — and possibly changed.
🔭
A completely new angle
I know this topic. Show me a lens I've never used.
🧩
Sharpen how I think
The topic matters less. I want more rigorous habits of mind.
🔥 Day 3
Good morning.
Where does your ripple reach today?
1/5
Ripple Score · lenses explored
Questions worth thinking about
🟢 Live now
Housing · UK
"Your parents bought a house at 27. You probably won't. Whose fault is that?"
📊
🏛️
🌍
🧑‍🤝‍🧑
⚖️
📊 1 of 5 lenses explored · 2,841 people this week
Coming soon
2008 Crash · Global
"The people who caused the last crash got richer. Nobody went to prison. Should you be angrier than you are?"
📊
⚖️
🧡
🔬
4 lenses · Not yet explored
Coming soon
Punk · UK · 1976–79
"Did punk change anything — or does capitalism always win in the end?"
🎵
🏛️
📊
🌍
4 lenses · Not yet explored
🟢 Live now
Housing · Economics
Your parents bought a house at 27. You probably won't. Whose fault is that?
house price to salary today
the same ratio in 1990
🧑
👩
👨
2,841 people explored this week

Five lenses. Each one is a complete 5-minute experience. Pick one now — the others stay here for whenever.

📊
🏛️
🌍
🧑‍🤝‍🧑
⚖️
Gut check
Before we start
Your honest gut reaction — right now, before you've thought about it.

No wrong answers. This is just your starting point — we come back to it at the end.

😤
Older homeowners protected their own wealth at everyone else's expense
🏛️
Governments chose policies that inflated prices and never fixed it
📈
It's supply and demand — nobody is really to blame
🤷
Honestly I don't know — it feels more complicated than any of these

We revisit this at the end. Most people are surprised.

Pick a lens
Five lenses · pick one to start
Each lens is its own 5-minute experience. You're not committing to all of them.
📊
The Economist
Who has the incentive — and who pays the price?
🏛️
The Historian
Has this happened before — and what changed?
🌍
The Geographer
Where does this happen — and why there?
🧑‍🤝‍🧑
The Sociologist
How do groups form, fracture, define themselves?
⚖️
Political Scientist
How are decisions actually made — and for whom?
Select one lens to explore

The others stay here. Come back for them whenever.

📊 Economist
The evidence
House price to income ratio · UK
the average salary today

In 1990 this ratio was 3.5×. It crossed 5× in the early 2000s and hasn't recovered. Something structural changed — during a period when the people writing housing policy were overwhelmingly homeowners themselves.

— Office for National Statistics, 2024
"The UK builds roughly 150,000 homes a year. It needs 300,000. That gap has existed for 25 years. It didn't happen by accident — it happened because most voters already own homes, and more supply means lower prices."
— Shelter, 2023
The question
If more homes means lower prices — and most voters own homes — who made the choice not to build enough?

2–3 sentences. Your actual view. Don't try to sound smart.

💬 I think the main reason is...
💡 What surprises me is...
🤐 Nobody says...
0 words
📊
Reading your take...

Sitting with what you wrote before showing you the other side

But wait.
Before you get a response — here's what most people miss
Your take

The strongest case against you: Homeowners aren't a conspiracy — they're a majority. 65% of UK adults own their home. Any politician who seriously threatened house prices would lose the election. The system isn't broken or rigged. It's working exactly as designed — it's just designed for people who already own things. That's not corruption. That's democracy.

— Perspective from political economy
Does that complicate your view — and make you more certain?
🤔 Yeah, that changes something for me
💪 No — if anything I'm more certain now
🤯 Honestly more confused than I started
Aha Moment
The pattern you found
The Economist lens didn't just explain housing. It explained how democracies protect what already exists.
🚇
London Underground, 1933. No new lines were built for decades — not because of money, but because property owners along existing routes had the political power to block competing routes that might reduce their land values.
🇺🇸
American zoning laws, 1970s. Suburban homeowners lobbied to ban apartment buildings in their neighbourhoods. "Single-family zoning" was framed as protecting communities. It protected house prices.
💸
The 2008 crash. Concentrated benefits for those inside the system, dispersed costs for everyone else. The people who designed the crisis had nothing to lose from it.
Mundi responds

You landed on the sharpest version of this question. Most people stop at "the government should build more." You went further and asked why they didn't — and that's where the real explanation lives. The term economists use is concentrated benefits, dispersed costs: when a policy makes a small group significantly richer, and a large group only slightly worse off, the small group fights hard and the large group barely notices — until it's too late.

If the system worked as intended and this is the result — what would have to change for it to work differently?
🗺 Your Ripple
Ripple Score™
1/5
lenses explored on this question
🌊
Milestone unlocked
First Ripple — your thinking is spreading
📊
Strongest lens: The Economist. You reach for data and incentives first. That's a real strength — but the world isn't only made of incentives.
🌍
Current blind spot: The Geographer. You haven't explored what place does to this question. The housing crisis looks completely different from different postcodes.
💡
Suggested next: The Historian — "this exact pattern appeared in 1930s America. What changed, and why?" Come back and try it.
Community
2,841 people explored this question
0%
changed their view
after at least one lens
Starting gut reactions
😤
Blame homeowners
34%
🏛️
Blame government
41%
📈
Just the market
14%
🤷
Not sure you
11%
Most explored lenses this week
📊
78%
⚖️
61%
🧑‍🤝‍🧑
44%
🏛️
38%
🌍
22%
Pattern we noticed

People who started with "I'm not sure" were the most likely to change their view — and most ended up in the government-incentives camp after the Economist lens. You're following the pattern. The Political Scientist lens had the highest view-change rate of all five.