Interest rates are an important tool for regulating monetary policy, and they are also used to control economic growth, such as investment, inflation and unemployment. Reasonable interest rate plays an important role in the economic leverage of social credit and interest rate. The difference between financial capital preservation and physical capital preservation There is no ambiguity in the objective of the concrete plan. For example, business sales managers intend to increase sales by 15 percent over the next six months, and he will formulate specific procedures, budget plans, and schedule schedules, which is the concrete plan. Guideline plans only some general guidelines and action principle, favors the actors free disposition, it points out that the key but don't limit actors on the specific target or specific action plan. For example, a specific plan to increase sales may require a 15 per cent increase in sales over the next six months, while a guidance plan may limit sales by 12 to 16 per cent over the next six months. Compared with the guidance plan, the concrete plan is easier to carry out, assess and control, but lacks the flexibility, and its requirements for clarity and predictability are often difficult to satisfy. Ms Stephens continues: “The new extension has provided a fantastic and really flexible space that thanks to the new PURe® patio doors and windows, can be enjoyed whatever the weather. It’s great to be able to open up the living space and enjoy the close access we now have to the garden but even when the blustery weather that we are so familiar with here in the Yorkshire Dales takes hold, the glazing has provided us with a peaceful and cosy retreat. It’s the perfect space for both work and relaxation and I couldn’t be happier!” Palmer said: "I'm worried about the British retailers are now in the midst of a perfect storm, interest rate decisions in November, rising inflation, real wages, falling credit availability and the UK to take off the European uncertainty increased, these during the Christmas season for caused an unprecedented pressure on household budgets, pushed consumer confidence to historic lows. "Historically, the concept of income has first appeared in economics. Adam Smith, in the wealth of nations, defined income as "the amount of consumption that is not eroded by capital", and saw it as an increase in wealth. Later, most economists inherited and developed this view. 1890, ai (Alfred Marshall Maarshell) in its "the principles of economics," the Adam Smith's "wealth increase" enterprise, introduced the concept of earnings, is proposed to distinguish the entity capital and value-added benefits of economic benefits.