Why did yu 'ebao decline? After all, with tighter regulation and tight capital, high interest rates and high limits mean high risk, but investors should also be careful not to put money in one basket. The savings rate in January has fallen to historic lows since last August's cut in bank interest rates. “We’re obviously delighted to be featured in Love Your Home and Garden. It’s very pleasing to be recognised as a leading provider of aluminium windows and doors – but it’s just as satisfying to be supporting good people going through hard times. After the black Friday rush, consumer spending is being squeezed.