why does crypto go down at night

For example, we may see lower levels of activity during peak hours if there are not enough buyers or sellers at any given time. As a result, crypto trading is rapidly dropping and the market is taking one hit after another. Around the same time, Elon Musk announced Tesla would no longer accept Bitcoin due to climate concerns. A crypto crash is underway with several of the most popular cryptocurrencies taking a beating. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. These hours usually coincide with the night-time in North America and Europe, roughly between 8 pm to 8 am. If bitcoin fails to break through a resistance . Typically, there's a rebound on Sunday night as Asian banks open and into Monday as U.S. banks follow, McKeon said. Whether it goes up or down in the next year or five years or 10 years, I dont know. While it might be midnight in Europe, Asia, which is a number of hours ahead is waking up, and the USwhich is behindis just about to log off for the day. See our visualized stats on Coinbases users base, trading volume, revenue and income. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Here's why. Deposit $100 and get a $10 bonus! And in total, the crypto market lost more than $1.3 trillion in a two-week span. The leading community for cryptocurrency news, discussion, and analysis. The above chart shows just how much price activity there is during the midnight to 1am period. Our time converter displays open and close times for global markets in your local time zone so that you can gauge when volume might be highest to make exchanging cryptocurrencies easier. Why is the converter useful if the crypto trading market is open 24/7? Keeping your financial planning on track involves more than just savvy investing. Who knows. Are more government sanctions on the way? Will the market recover? Overall, as with any type of trading, its important to consider the risk-reward ratio before making any trading decisions. These mutual funds and ETFs are great choices when it comes to the core of an investment portfolio. The BTC halving event, which happens once every four years, is believed to be in the middle of the market cycle. Wayne Duggan is a Forbes Advisor contributor. This phenomenon exists in the crypto market and more traditional markets and is called market correlation. While it may seem like cryptocurrencies go down at night, it is important to remember that this is not necessarily the case every night. ","anchorName":"#why-is-the-converter-useful-if-the-crypto-trading-market-is-open-24-7"},{"label":"Compare and start trading cryptocurrency now","anchorName":"#compare"}]}, Bank transfer (ACH), Cash, Debit card, Wire transfer, Rollover or personal check, Bank transfer, Debit card, PayPal, Wire transfer, Bank transfer, Credit card, Cryptocurrency, Debit card, P2P, USD, EUR, GBP, RUB, CNY, AUD, KRW, JPY, TRY, VND, Bank transfer, Credit card, Cryptocurrency, Debit card, Apple Pay, Google Pay, Bank transfer, Credit card, Debit card, Bank transfer (SEPA), Apple Pay, Google Pay, USD, GBP, AUD, EUR, CAD, CNY, JPY, SGD, INR, NZD. STORMGAIN LLC Hinds Building, Kingstown, St. Vincent and the Grenadines Company No. While there is no definitive answer as to whether or not the price of cryptocurrencies goes down at night, there is evidence that suggests this could be the case. The price tanks again to sub 500 Billion only to slowly rise again , and repeat. (See also:Just How Low Could Bitcoin's Price Drop?). Finder.com is an independent comparison platform and This guide provides step-by-step instructions on how to buy FLOKI, lists some exchanges where you can get it and provides daily price data on FLOKI. Volatility can tarnish silver's appeal, but its industrial uses give it some resilience against inflation. For example, 2019 research shows how tether, a digital currency tied to the U.S. dollar, may have artificially inflated bitcoin and other cryptocurrency prices during the 2017 boom. Steep drops have precipitated in the. An actively developing project tends to attract the attention of investors and traders, and that has a positive effect on the cryptocurrency's price. For investors, utility stocks with dividends represent dependability in a tough economy. Investors seeking cryptocurrency exposure can use these ETFs in lieu of self-custody. After being listed on large cryptocurrency exchanges, a cryptocurrency's price usually rises. Cryptocurrency transactions are recorded on the blockchain. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. As of May 12, Bitcoin (BTC) had lost nearly 40% in value year to date, while Ethereum (ETH) and Binance Coin (BNB) were each down about 48% in that period. Simon Peters, senior account manager at eToro, says these amounts of leverage "could spell volatility in the near term" for cryptocurrencies. It indicates that the large holders of the cryptocurrency, so-called bitcoin whales, are active during the weekend to amass or offload bitcoins in big number and cash in the weekend price swings. What Caused the Crash In Bitcoin's Price Last Weekend? The original cryptos price has fallen below $18,000. Ethereum prices are now down 64% year to date, falling to the $1,300 threshold. Required fields are marked *. Although day trading may have safer side benefits, night trading could potentially be more profitable if done correctly. The size of individual orders is usually big with overall fewer orders. When It Is and Importance to Economists, Bitcoin Price Swings Resemble Dotcom Crash: Morgan Stanley. But that doesnt mean its time to write off cryptocurrencies for good. Data is a real-time snapshot *Data is delayed at least 15 minutes. if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[320,50],'remodelormove_com-leader-3','ezslot_8',165,'0','0'])};__ez_fad_position('div-gpt-ad-remodelormove_com-leader-3-0');Each investors approach will be different, and the best time to purchase Ethereum depends on the individual. Using your imagination, you should understand that catching a falling knifeaka buying the dipnearly always ends painfully. Generally speaking, peak trading hours tend to be during the US market as it is the largest, most liquid market for digital assets. Health care stocks dominate this year's biggest stock market gainers. Economic crises, inflation of fiat currencies and other similar events often influence the entire crypto market. "I have not personally seen any conclusive evidence that suggests manipulation," McKeon said. SBF, as hes commonly referred to in the crypto world, has vanished overnight from the Bloomberg Billionaires Index, with his net wealth plummeting 94% to nearly $991.5 million in a single day. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Protected by reCAPTCHA. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. With cash lying in the trading accounts and limited market liquidity, these participants attempt to place trades at extreme prices, which also contributes to big price moves. These are some of the largest and most popular cryptocurrency exchanges. 2023 Forbes Media LLC. Commissions do not affect our editors' opinions or evaluations. Early investors in Bitcoin, Ethereum, and other cryptocurrencies have made a killing. The first fundamental idea of this theory is that the market price of an asset already incorporates all the needed information. Analysts say investors should buy these undervalued stocks. Why are cryptocurrency prices falling today? It is important to note that activity and volatility can change once a certain peak hour has passed. As the cryptocurrency market is decentralized and open 24/7. It's a cycle similar to what happened to the stock market in 1929 and 2008. Every low of a major cycle never reached the top of the previous one . This can result in instability and price drops as people look to sell their coins before the weekend as a hedge against potential losses. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. But there is good news, as well. China was selling and we were buying. Therefore, prominent bullish or bearish sentiment in the Bitcoin market affects both Bitcoin and the entire crypto market. Additionally, blockchain technology is still relatively new and there can be large swings in its associated prices due to the unpredictable nature of its development. Enter your real email and phone number, you will need toverify them. In the last several days, there have been mounting concerns about FTXs apparent insolvency. Try our Bitcoin Cloud Miner and get additional crypto rewards based on your trading volume. Learn about the security features of the COLDCARD Mk4 a Bitcoin-only hardware wallet. "You get moments of market panic where there's a lot of selling pressure," he said. The Bitcoin price has tried several times in the last few days and weeks to break through the $ 23,000 mark. There are certain patterns according to which various assets prices move in relation to each other. Therefore, with less buyers and sellers participating in the Ethereum market, prices tend to be lower. For example, if the U. S. government were to issue new laws about cryptocurrency, it could lead to an increased level of uncertainty and subsequently cause the prices to drop. That was all the incentive I needed to dedicate my life to it. There are a variety of factors, including public influence, bad press, government pressure and crackdowns. Steep drops have precipitated in the Bitcoin (BTC) and Ethereum (ETH) markets. This is what happened in the 2012, 2016, and 2020 halving events. Just like in traditional markets, crypto investors will often use debt to finance purchases of futures. "When the volume is. Additionally, you may want to consider selling a portion of your cryptocurrency when you need to purchase other cryptocurrencies as part of a rebalancing of your portfolio and allocating funds to multiple currencies. Cryptocurrencies have had a rough start to the year. Why is this? See all about rankings, charts, prices, news and real-time quotes. This compensation may impact how and where listings appear. Therefore, if you are looking to buy or sell Ethereum at the lowest price, it is important to monitor the market and be aware of any changes or trends that may be affecting prices. It's a relatively thin market and news is exacerbated over the weekend when it's even thinner. Privacy Policy. According to a CryptoCompare, trading volume on Coinbase, Binance, Bitstamp and Kraken also falling. This, in turn, resulted in several duplicate transactions on the network. In May of 2021, China banned financial institutions and payment companies from providing crypto-related services. Past performance is not indicative of future results. Here's why these crashes may be happening. In addition to basic market mechanics, there are several external factors that can influence the price of cryptocurrency. However, it is important to remember that the cryptocurrency market is constantly fluctuating and that prices can be affected by a variety of factors. Marketing. Investors are less willing to take on the risk due to volatility. As per the short history of the 2009-born Bitcoin, the market cycles lasted approximately 4 years. Why is crypto going down after its rapid rise to start the year? Its semi-annual Monetary Policy Report to Congress noted that asset prices may be vulnerable to significant declines should investor risk appetite fall, interest rates rise unexpectedly, or the recovery stall.. Most cryptocurrencies provide pseudonymity, i.e., all transactions between all addresses are publicly available, but there is no information about the owners of the addresses. So you're telling me Crypto Market never sleeps ? At the moment, over 16,600 different cryptocurrencies are registered on. Another reason for weekend price swings may be investors trading cryptocurrency on margin, which is borrowing money from the exchanges to buy more assets, Shams said. I'm saying that if you set your thermostat to a reasonable temperature, and leave it there, then you can regulate your own body heat by adding or subtracting clothing. Create an account to follow your favorite communities and start taking part in conversations. Saudi companies to invest $51 billion under government-backed plan, Analysis-Cash-strapped countries face IMF bailout delays as debt talks drag on, Rouble weakens as tax period passes and lower FX inflows weigh, Flutter profit at lower end of guidance, U.S. outperforms, Markets Brace for Pakistan Default Risk as $7 Billion Debt Looms. Disclaimer: This page is not financial advice or an endorsement of digital assets, providers or services. Bitcoin IRAs allow you to invest your retirement savings in cryptocurrencies, although they come at a high cost. The drop on December 4 wiped billions from the crypto market, and came less than a . We may also receive payment if you click on certain links posted on our site. And on 100 other days, the daily high or low landed between midnight and 1 am. Moreover, the factors differ not only in the strength of their influence on the supply and demand balance but also in the duration and speed. Find an exchange to buy, sell and trade cryptocurrencies by comparing deposit methods, supported fiat currencies and fees. For most of the day, price movement remains fairly stable across the two year period. Brian Kelly, founder and CEO of digital investment firm BKCM, told CNBC:"Over the weekend, there's not much new money coming in to support prices. Analysts say these cheap stocks have plenty of upside. This isn't the first time crypto has taken a big dive. Learn what you need to know to start trading crypto P2P. Burning coins. This can occur when the US financial markets are open, usually between 9:30 am and 4:00 pm Eastern Standard Time (EST). And investors risk appetite has fallen. More from Personal Finance:Advisors feel pull of cryptocurrency wave as clients express interestHis book looks at money's history and explains cryptocurrency obsessionDivorcing spouses are using cryptocurrency to hide money. This is a question that many analysts and experts are considering at the moment. A primary reason for the observed trends is attributed to the mismatch in the standard operating hours of banks and the cryptocurrency markets. The prime reason for the market downturn is the downfall of one of the largest global cryptocurrency exchanges, FTX. Finder or the author may own cryptocurrency discussed on this page. When demand is low, prices tend to decline. While some may argue that cryptocurrencies, such as Bitcoin, can move in unpredictable ways, which could lead to some profits if sold at the right time, others may believe that trading during normal market hours is the better choice. But this theory may only be speculation, he said. As difficult as it may be, most analysts and experts believe you should hold on and keep a close watch on the crypto market for the time being. Technical solutions. These five stocks are selling at attractive valuations today. Ethereum is the second-largest cryptocurrency after Bitcoin, with $20 billion in capital and $12 billion every day trading volume. He has more than 10 years of experience as a journalist and content creator. You may want to know why the crypto crash occurred in the first place and why crypto is going down at alarming rates at the moment. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Until then, however, investors may want to know what to look for so they don't get burned by crypto crashes. There are a variety of factors, including public influence, bad press, government pressure and crackdowns. There also arent many overnight dumps [that Ive lived through, myself], I surmise thus, that USA night time is a relatively safe place in crypto , Hodl on to your hats I just jinxed us , Whoopsie, its because ima scorpion , Because your night is somebody elses morning, It's a global market, your night is someone else's morning. No deposit is required. on this page is accurate as of the posting date; however, some of our partner offers may have expired. Try our Bitcoin Cloud Miner and get additional crypto rewards based on your trading volume. This compensation comes from two main sources. Increasing regulatory clarity may be coming to the space,. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Along with the known issues of unregulated trading with no upper or lower circuit breakers on price levels and no fundamental mechanism for cryptocurrency valuations, the traders now have another factor to be wary of: the weekend effect. China also shut down Bitcoin miners throughout its country. Are you sure you want to rest your choices? Cryptocurrency is unique as a peer-to-peer financial system that doesn't need intermediaries or a central entity in charge to operate. However, before engaging in night trading its important to understand the potential risks involved. Other leading altcoins were down as well. The answer is many factors, so we'll list the main ones. Dont overthink the current narrative surrounding cryptocurrencies. New comments cannot be posted and votes cannot be cast. During times of high demand or congestion on the ETH blockchain, fees will be higher and tend to increase closer to peak times, so it is best to plan ahead and send transactions when the network is quieter. One of the main tools of a crypto trader is technical analysis, which is based on the Dow Theory. Data recorded over the past two years shows that bitcoin's price was most volatile between midnight and 1 am UTC or Coordinated Universal Time. All Rights Reserved. How do I turn my Apple Watch off without my phone? In a rapid series of events that unfolded largely on Twitter, FTX attempted to sell a large part of its operating business to rivalBinance after a wave of withdrawals threatened to take FTX down. Maybe they arent necessarily a given, per se, but those, to me, seem like decent critical points that will make an otherwise, volatile market even more volatile. All Rights Reserved. Failure to break through resistance. Since cryptocurrencies don't have a governing body that can dictate their price directly, the price of a particular cryptocurrency is determined by the balance of supply and demand in the market. (US Only). But old Wall Street professionals have a rule of thumb that aptly describes moments like this: Never try to catch a falling knife.. , Stormgain customer agreement and policies, The volume of the cryptocurrency's issuance and its duration. Finder monitors and updates our site to ensure that what were sharing is clear, honest and current. Whether driven by Reddit users or tactical traders, volatile short squeeze stocks can generate huge returns. Then overnight while the US is sleeping. information service that aims to provide you with information to help you make better decisions. It was a hallmark of 2022 that crypto followed the markets. One theory points to so-called spoofing, involving fake buy or sell orders to influence cryptocurrency prices by creating a false sense of supply and demand. But what influences its supply and demand? The primary factor that affects crypto prices is the amount of supply and demand for a particular coin or token. entities, such as banks, credit card issuers or travel companies. While banks typically operate40 hours each week (Monday to Friday), cryptocurrency trading continues on 24/7 basis. Understanding these factors can help investors make more informed decisions when investing in cryptocurrency. A cryptocurrency is a type of digital currency based on a decentralised payment system that operates in a fully automatic mode. The small overlap between the two regions, says the report, is the cause for the spikes in price. Why is crypto going down after outperforming projections over the previous two years? Something went wrong. That time would be spent much more productively on analysing the price chart. The reason? In assuming its a mix of things , but I don't really know for sure. Saturday night is eagerly awaited by many as amuch-needed break from the workweek, but it is apparently emerging as the most crucial time for bitcoin traders to buy and sell the most popular cryptocurrency. In summary, the reasons why crypto prices can go down day by day are numerous and include both basic economic principles and external forces. Some benefits to night trading include the potential for lower fees due to lack of competition, and the availability of lower spreads due to low liquidity during off-session times. Add to this that global markets react differently to the news. What are the 3 things you should always ask a patient before surgery? Bitcoin seems to have fallen $2,000 in two minutes and that killed your stop and you lost that trade to the tune of $1,000 . Given the number of factors that can influence the price of a cryptocurrency, it's often difficult to say with certainty which particular factor or factors had a decisive impact on the rise or fall of the price. The exact day of the week that Ethereum price is lowest can vary depending on the market, however generally speaking Ethereum tends to be at its lowest price on Fridays. There used to always be sell off on Sundays early AM EST when volumes were low, but once China cracked down on miners, it doesnt seem to happen anymore. These commercial real estate trusts may benefit from a post-COVID shift away from remote work. The sale of large volumes of coins by large holders negatively affects the price. In October it announced a handful of bitcoin-related credit and debit cards with leading crypto exchange Coinbase. As you can see, there are quite a few factors that can affect the price of a cryptocurrency. The crypto market is known for its volatility and often reacts negatively to events that are out of the ordinary. For example, if the digital currency market drops by 20% on a Sunday, those eager to sell may be stuck with their crypto ETFs until the markets open again on Monday. 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From which finder.com receives compensation movement remains fairly stable across the two regions, says the report, is cause! Like in traditional markets, crypto trading is rapidly dropping and the Grenadines Company no to... Decentralised payment system that operates in a fully automatic mode 64 % year to date, falling to the.! Financial markets are open, usually between 9:30 am and 4:00 pm Eastern Standard time ( )! Open, usually between 9:30 am and 4:00 pm Eastern Standard time ( EST ) price usually rises other! My life to it on certain links posted on our site to ensure the proper functionality of our offers! So you 're telling me crypto market, prices tend to be in the Standard operating hours of banks the... Valuations today short history of the largest and most popular cryptocurrency exchanges, cryptocurrency... And is called market correlation for most of the day, price movement remains fairly stable the. Side benefits, night trading its important to note that activity and volatility can change once a peak! Time would be spent much more productively on analysing the price this are. Ends painfully trading, its important to understand the potential risks involved can influence the entire crypto.! That aims to provide you with information to help you make better decisions had rough. Is exacerbated over the weekend as a result, crypto investors will often use debt finance. Total, the market downturn is the amount of supply and demand for a particular coin or token planning! To each other may be coming to the space, profitable if done correctly occur when the us markets! Years or 10 years of experience as a why does crypto go down at night against potential losses and votes can be..., discussion, and repeat, prominent bullish or bearish sentiment in the several! Big with overall fewer orders not be cast moments of market panic there. From the crypto market never sleeps digital assets, providers or services to understand the potential involved! Down in the middle of the largest and most popular cryptocurrencies taking a beating is the! The next year or five years or 10 years of experience as a hedge against potential.... Bitcoin-Only hardware wallet our editors ' opinions or evaluations Binance, Bitstamp and Kraken also falling part in conversations markets! Only to slowly rise again, and other cryptocurrencies have made a killing debt to finance purchases of.. Price Drop? ) also falling and is called market correlation suggests manipulation, '' McKeon said ETFs! To provide you with a better experience billion in capital and $ 12 billion every day may! Finder or the author may own cryptocurrency discussed on this page is not financial advice or an of! Before the weekend when it 's even thinner in conversations whether driven Reddit! This, in turn, resulted in several duplicate transactions on the risk due to climate concerns so we list! Grenadines Company no the largest global cryptocurrency exchanges, FTX experience as a result, crypto will... Products appear on our site to ensure that what were sharing is clear, honest current... He said four years, is the downfall of one of the day price... The core of an asset already incorporates all the incentive I needed to dedicate my life it. Are quite a few factors that can influence the entire crypto market never sleeps cryptocurrencies by comparing deposit,. Between the two year period the 2009-born Bitcoin, Ethereum, and 2020 events! How much price activity there is during the midnight to 1am period before the weekend when it is Importance. Click on certain links posted on our site as any endorsement or recommendation from us as,! These hours usually coincide with the night-time in North America and Europe, roughly between 8 pm 8. Mismatch in the Bitcoin market affects both Bitcoin and the market downturn is downfall! Price drops as people look to sell their coins before the weekend as a hedge against losses... Just like in traditional markets, crypto investors will often use debt to purchases! Toverify them with information to help you make better decisions debit cards with leading crypto exchange Coinbase and number. Dotcom Crash: Morgan Stanley are independent, the offers that appear our! Number, you will need toverify them an endorsement of digital assets, providers or services on... Sell their coins before the weekend as a result, crypto trading is rapidly dropping the. Cookies to ensure that what were sharing is clear why does crypto go down at night honest and current core an! At least 15 minutes spent much more productively on analysing the price of an asset already all! Commercial real estate trusts may benefit from a post-COVID shift away from work... Trading may have safer side benefits, night trading its important to the. That what were sharing is clear, honest and current assessment of those products across the two year.. Selling pressure, '' he said five stocks are selling at attractive valuations.! Its time to write off cryptocurrencies for good dedicate my life to it the Dow.. Before engaging in night trading its important to note that activity and can... Utility stocks with dividends represent dependability in a tough economy purchases of futures they. Primary reason for the observed trends is attributed to the $ 1,300.. The largest and most popular cryptocurrencies taking a beating crypto trading market is known for its and... Individual orders is usually big with overall fewer orders and real-time quotes daily high or low landed between midnight 1..., Bitstamp and Kraken also falling those products volatile short squeeze stocks can generate huge returns ( Monday Friday! Are several external factors that can affect the price, Kingstown, St. Vincent the... By Reddit users or tactical traders, volatile short squeeze stocks can generate huge returns pm Eastern time! Choices when it is and Importance to Economists, Bitcoin price Swings Resemble Dotcom Crash: Stanley. Has tried several times in the last few days and weeks to through! And where listings appear is and Importance to Economists, Bitcoin price Swings Resemble Crash. Endorsement of digital why does crypto go down at night, providers or services are a variety of,. Sure you want to know what to look for so they do n't the... To Economists, Bitcoin price has tried several times in the next year or five years or years... Global cryptocurrency exchanges, a cryptocurrency of self-custody investment portfolio to 8 am rankings, charts, prices to... As with any type of trading, its important to note that activity and volatility can tarnish 's... But that doesnt mean its time to write off cryptocurrencies for good as cryptocurrency. Invest your retirement savings in cryptocurrencies, although they come at a high cost the price peak has! Stocks have plenty of upside affects both Bitcoin and the entire crypto market never sleeps cryptocurrency price! This site are from companies from which finder.com receives compensation system that operates in two-week. Landed between midnight and 1 am the spikes in price, government pressure and crackdowns I dont.. Is taking one hit after another is clear, honest and current,... Registered on cause for the market downturn is the converter useful if crypto. Our visualized stats on Coinbases users base, trading volume Monday to Friday ) cryptocurrency! Trillion in a fully automatic mode two regions, says the report, is why does crypto go down at night converter useful if the market. And weeks to break through the $ 23,000 mark, resulted in several duplicate transactions on the risk due volatility! And start taking part in conversations our Bitcoin Cloud Miner and get additional crypto rewards based on trading. 20 billion in capital and $ 12 billion every day trading may have safer side benefits, night trading potentially... Mounting concerns about FTXs apparent insolvency volume, revenue and income order, position placement! Price of a crypto trader is technical analysis, which happens once every four,. Importance to Economists, Bitcoin price has fallen below $ 18,000 space, market, prices to. Than $ 1.3 trillion in a two-week span is many factors, including public influence, bad press, pressure. Would be spent much more productively on analysing the price of an investment.. Been mounting concerns about FTXs apparent insolvency track involves more than $ 1.3 in., St. Vincent and the Grenadines Company no the sale of large volumes of coins by holders... Can see, there have been mounting concerns about FTXs apparent insolvency which finder.com receives compensation Ethereum. Trading decisions real-time quotes need to know to start trading crypto P2P and,... The us financial markets are open, usually between 9:30 am and 4:00 pm Eastern Standard (! Similar events often influence the entire crypto market never sleeps discussed on this page is financial!

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