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julkort layout 2024 Konstfack Konstfack: As the days left in 2023 wind down, some Americans may reflect on the year with a hopeful eye toward 2024. For millions of Americans, inflation and elevated interest rates have hurt their finances . As the clock ticks closer to 2024, one outspoken economist is making a dire predication about the markets in the new year. “Since 2009, this has been 100% artificial, unprecedented money .