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December 4, 2025 

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BANK FOR INTERNATIONAL SETTLEMENTS: The Bank for International Settlements (BIS) is an international organization which fosters cooperation among central banks and other agencies in pursuit of monetary and financial stability. Established in 1930, the BIS is the world's oldest international financial organization. The head office is in Basel, Switzerland and there are two representative offices: in the Hong Kong, China and in Mexico City. As its customers are central banks, the BIS cannot accept deposits from, or provide financial services to, private individuals or corporate entities.

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CONTRACTION

A phase of the business cycle characterized by a general period of declining economic activity. A contraction is one of two basic business cycle phases. The other is expansion. The transition from contraction to expansion is termed a trough and the transition from expansion to contraction is termed a peak. The popular term for contraction, one that frequently shows up in the media, is recession.

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Today, you are likely to spend a great deal of time at the confiscated property police auction seeking to buy either a genuine down-filled pillow or one of those "hang in there" kitty cat posters. Be on the lookout for slow moving vehicles with darkened windows.
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The earliest known use of paper currency was about 1270 in China during the rule of Kubla Khan.
"Only great minds can afford a simple style."

-- Stendhal, writer

HDI
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