<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 820 314" width="820" height="314" role="img" aria-labelledby="t d" font-family="'Manrope', ui-sans-serif, system-ui, -apple-system, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif">
  <title id="t">Interest rates steer the crowd between risk and caution</title>
  <desc id="d">An interest rate is the cost of borrowing or the reward for saving. When rates rise, safe savings pay more and risky assets look less appealing, pushing the crowd toward caution. When rates fall, borrowing is cheap and risk appetite returns.</desc>
  <rect x="0" y="0" width="820" height="314" rx="14" fill="#ffffff"/>
  <text x="44" y="60" font-size="25" font-weight="800" fill="#0F172A">Interest Rates Steer Risk Appetite</text>
  <text x="44" y="92" font-size="14.5" fill="#5A6578">The cost of borrowing, or the reward for saving; central-bank rates ripple everywhere</text>
  <rect x="60.0" y="156" width="231.0" height="26" rx="5" fill="#22C55E"/>
  <text x="175.5" y="218" font-size="12" font-weight="700" fill="#22C55E" text-anchor="middle">Low (easy)</text>
  <rect x="291.0" y="156" width="238.0" height="26"  fill="#EAB308"/>
  <text x="410.0" y="218" font-size="12" font-weight="700" fill="#EAB308" text-anchor="middle">Neutral</text>
  <rect x="529.0" y="156" width="231.0" height="26" rx="5" fill="#DC2626"/>
  <text x="644.5" y="218" font-size="12" font-weight="700" fill="#DC2626" text-anchor="middle">High (tight)</text>
  
  <circle cx="445.0" cy="169" r="13" fill="#ffffff" stroke="#0F172A" stroke-width="3.5"/>
  <text x="445.0" y="144" font-size="15" font-weight="800" fill="#0F172A" text-anchor="middle"></text>
  <text x="410" y="252" font-size="13.5" fill="#334155" text-anchor="middle">The cost of borrowing. Higher rates cool the economy and tend to pressure risk assets.</text>
  <line x1="44" y1="278" x2="776" y2="278" stroke="#0F172A" stroke-opacity="0.08"/>
  <text x="44" y="300" font-size="12.5" fill="#5A6578">Source: <tspan font-weight="700" fill="#0F172A">CFGI</tspan></text>
  <text x="776" y="300" font-size="12.5" fill="#0284C7" text-anchor="end" font-weight="700">Markets</text>
</svg>
