source:[1] ‘Shadow Banking’ Growing at Double the Rate of Traditional Lenders, FSB Says - Insurance Journal (https://www.insurancejournal.com/news/interna ...)[2] Global Business Activity Growth Slows as Tariffs Bite - The Wall Street Journal (https://www.wsj.com/economy/eurozone-business ...)[3] Not many strong reasons to be bearish into 2026, says SoFi's Thomas - CNBC (https://www.cnbc.com/video/2025/12/16/not-man ...)