The U.S. Federal Reserve cut interest rates in September, marking the first in a series of cuts expected to continue at least into 2025. This move is anticipated to lead to a decline in earnings on cash, prompting investors to reconsider their strategies. Concurrently, U.S. banks are shifting towards higher-yielding investments in response to the rate cuts. Additionally, the New York Federal Reserve has issued a warning that banks may be hiding commercial real estate risks by extending loan terms. Tickers of interest include $SPX, $DJI, $KRE, $USD, $ES, $ZN, $BAC, $KEY, and $WFC.