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The Council of State suspended the execution of the decree of September 29 on the sale prices of natural gas, the institution announced on Monday. Gas prices are definitely a real headache for the government. Enact increases in the order of 4 or 5% per quarter is difficult to six months of a presidential election, particularly in times of crisis. So the government there decided by a ministerial decree of 29 September, to freeze the rates for individuals instant credit report. This price stability followed that decided on July 1.

"The Minister of Energy is preparing a new tariff order to be consistent with the decision of the State Council," responded late Monday afternoon, the firm Eric Besson said in a statement.For their part, competitors (Poweo, Direct Energy, Altergaz, Gaz de Paris) grouped in the association had also applied to the anode highest administrative court, in proceedings for interim relief.

Suppression of PTZ + in the former.

Real estate agents who regularly praised the virtue of PTZ + (interest-free loan +) for a first house purchase new or old are particularly concerned about the impact of its removal. Now, this loan will be confined to new housing, generally more expensive .. "This offered the most fragile families a path to home ownership, says Jean-François Buet, general secretary of the Fnaim. Its end is a bad signal, we move away from France owners desired by the President. " Many professionals would rather see the PTZ + subject to means test rather than disappear.

"Of the 750,000 transactions this year, 300,000 were funded with a PTZ + in the former and 230,000 are for goods that are not primary residences, says Jean-François Buet.The new data on so three quarters of the transactions. " According to calculations by the federation of real estate, sales volume may decline by 200,000 acquisitions.

For his part, Michel Mouillart economist estimates that the measure "the crisis will be more extensive than in 2008 and will have a negative impact on the volume of mortgage loans."

And on the price? In addition to budget savings, the measures are supposed to help regulate prices. "They do not go down that much, said Sebastien de Lafond, president of the network MeilleursAgents.com. For the suppression of PTZ + will lower an already weak demand, but at the same time the tax on capital gains holding back the offer. "

The Paris market takes a few colors on Friday. In this holiday, where the activity is reduced, the CAC 40 was up. In mid-session, the index rose 0.65% to 3084.49 points after opening up 0.21%. Yesterday, he finished down slightly. In Frankfurt, the DAX index also advanced 0.96% to 5923.95 points while the FTSE-100 in London gained 0.49% to 5471.75 points.

Investor sentiment is supported by advanced this week in the eurozone. Management of public finances in Greece and Italy, two countries that focus on crisis fears of European debt, will change hands. In Greece, Lucas Papademos, former Vice President of the European Central Bank (ECB), has been appointed head of a government of national unity. In his first statement, he said that the euro is a "guarantee of monetary stability online payday loans."The United States and reported a reduction in trade deficit while new jobless claims fell to their lowest level since April. This morning, Asian stock markets were also in the green. In Tokyo, the Nikkei closed up slightly from 0.16% to 8514.47 points.

The AMF opened an investigation

The Financial Markets Authority (AMF) has announced the opening of an investigation after the blunder of Standard & Poor's last night, the rating agency has mistakenly sent a message indicating a degradation of the triple A French before denying the information two hours later.

On the currency markets, the euro has regained some ground. The European currency changes above $ 1.36, above the low of 1.3484 in one month.

After the sale "Flash" will there be shown the concept of selling "super flash"? Papercut, a Swedish chain of distribution of cultural products, offers on its website a unique experience to its customers. SpeedSale called, this feature leaves only four seconds to users to enter a promotional offer.A list of 16 products at bargain prices is presented to them once and only once! If the client does not validate any purchase, it is impossible to return to the list and a message appears: "You had a chance and you ruined, come back the next century." The user is then redirected to the page Home Papercut site.

"Sales 'flash', 'private sales' and other 'deals are limited in time' have always been part of the promotional techniques invented by retailers to increase the desirability of their offerings," noted experts LaSer, equal subsidiary group Galeries Lafayette and BNP Paribas Personal Finance specializes in marketing and customer relations."With the online business, these opportunities have continued to increase until the proposal Papercut extreme, proof that people are always looking for new shopping experiences and, for them, use n ' is never very far in the game "

This view is shared Olivier Mathiot, co-founder and marketing director PriceMinister. "The sales script 'flash' or other private sales makes shopping even more fun." He was convinced that the Internet boosts "impulse buying". "This media immediacy causes a sense of urgency that forces the user to decide very quickly. It recreates an environment conducive to the frenzy and excitement, "said Olivier Mathiot. PriceMinister also take account of this trend.

Bought by the Japanese Rakuten in June 2010, the site led by Pierre Kosciusko-Morizet draws its sales processes favored by the Japanese. It has well before mid-2012 to implement his concept of "shopping marathon", an event that lasts 30 hours and is conducted twice a year in June and December. "Ten merchants in the same sector, such as fashion or food, offering users a selection of products at bargain prices, and product category changes every hour," explains Olivier Mathiot. This visit a huge success. "The turnover of Rakuten in Japan grew by 150% during these periods," says co-founder of PriceMinister faxless payday advance.

"Everyone wins"

"Everybody is up with this kind of promotional offers," says one at eBay, the specialist in online auctions."The customer is doing well and the merchant increases its visibility while achieving dramatic sales volumes in a timely manner." In order not to miss the boat, eBay launched in early October its "Daily Deals", inspired by the "daily deals, "such sales 'flash' already well proven in Britain and Germany. For one day, merchants offer discounts on products theme, depending on the season and current events. Like Papercut and his concept of 'speed dirty' in Sweden, eBay distills the game in the act of purchasing: "Auctions are the adrenaline and that's what consumers are looking for. The evidence, from 20 to 25% of people who come to our site looking for auction, "says eBay.

Of adrenaline to the frustration, there is a site that has taken Swedish Papercut cheerfully. "The frustration is part of the game and users know it.If the sale is concluded, the satisfaction is increased tenfold, "Marc Lolivier analysis, managing director of Fevad. However, the practice of selling 'flash' requires good organization. Beware of stock-outs that could raise the ire of consumers, while retailers would pay back customers who have already paid for their order. Here, no one would gain.

E-commerce: the bar crossed the 100,000 sites by 2012

Internet sales continue to take their game in a morose for household consumption in France. The turnover of e-commerce sites has reached 17.5 billion euros, up 20% from January to June, according to the Federation of e-commerce and distance selling (Fevad). Nearly 20,000 new commercial sites have been created, an increase of 28%, bringing to nearly 90,000 the number of active sites in France."The bar of 100,000 sites could be reached by 2012," said Fevad. In the first half, the areas of fashion clothing and Tourism signed the largest increases in turnover (+16%), far ahead of the high-tech products (8%) and sales professionals (+ 5%).

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Yet the conditions for a sustainable rebound

• The stock market environment is in many ways more fragile than in 2008

After the capitulation market in recent days, many investors are wondering whether it is time to return the purchase. Beyond a simple technical rebound, the chances of quick recovery courses are limited for the simple reason that the current stock market is in some ways more fragile than in 2008. Signs of slowdown are multiplying in the United States, Europe could enter recession in the coming months, and the deterioration in manufacturing activity in China shows that the theory of decoupling between emerging and rich countries no longer holds the ramp. Response capacity of government to stimulate consumption are practically nil, and the effect of accompanying policies of central banks has reached its limits.The current crisis comes mainly from the usual market issues related to the level of market valuation or the correction of excesses after a period of intense speculation. The epicenter of the crisis is now in the euro area, with governments overwhelmed by the level of public debt and unable to agree on the management of their common currency. The solution to these difficulties lies in the hands of "political" and not in the trading rooms and in business. This is what the operators despair!

• The core business is a real force that

The recovery will be difficult, but much of the bad news began to be integrated into the course. The precipitous decline of the indices shows that the Exchange has already taken a good step ahead of the crisis.A CAC 40 to 2800 points means, for example, that investors expect an increase, not corporate profits, but a 30% drop in profits in 2012. This pessimism is starting to become excessive, especially for industrial groups, such as Air Liquide, Schneider Electric and Michelin, a strong presence in emerging markets where business slows but does not decrease instant personal loans guaranteed. The same goes for business as L'Oreal, Essilor International and Pernod Ricard, which have strong brands and where margins are not challenged. The treatment of more defensive companies, such as France Telecom, Sanofi, or GDF Suez, also reached its limits.These values ​​offer attractive yields of between 10 to 6%.

• The plight of the shareholders of the banks could come to an end

In three months, the market value of the three largest French banks, Societe Generale, Credit Agricole and BNP Paribas, has been halved. This collapse is comparable to the fall in prices occurred after the collapse of Lehman Brothers in 2008. Investors have punished the weak provisions made in the accounts to meet the commitments of banks in the peripheral countries of the euro area and a general loss of confidence in respect of institutions in the euro area. Far from scaring the market, the rumor of a possible entry of the state in their capital in the form of preference shares is now likely to reassure investors.10 to 15 billion euros to recapitalize matter which it would lead to a "dilution" of shareholders limited. After the destruction of 50 billion capitalization in the summer, the amounts mentioned are already largely taken into account by the markets. Bank stocks will certainly remain under pressure, but the plight of their shareholders might come to an end.

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Darty advantage of the web to gain ground

Darty seems to have found the parade. In France, the company has "re-recorded a performance superior to the commercial market," said the British parent company Kesa. In other words Darty has taken market share from its competitors. And thanks to strong growth in sales darty.com, which rose by 18%. "This growth is profitable," said Thierry Falque-Pierrotin, managing director of Kesa. The website, which became commercial in 1999, now accounts for 12% of the turnover of the group. Globally, sales of Darty fell 3.7% between early May and mid-August.

"The beginning of the year was difficult," says Thierry Falque-Pierrotin. Involved, the lack of major sporting event like the World Cup football last year which had boosted sales of televisions. "Conditions should remain still difficult for some time," added the CEO.According to GfK, sales of consumer electronic products fell 11.3% in the first half in Western Europe.

The distributor hopes to continue to succeed at the game perfecting his model. "We are professionals and will further improve in-store assisted sales and other services. We install, for example, listening zones in our stores to test the helmets, "says general manager. The company is also continuing successfully its growth in the kitchen. Market entry in 2007, Darty offers these products in 21 stores of 223 and plans to do the same in another 11 outlets by the end of the year. "As in our other segments, we want to offer good price and good service in the kitchen. This strategy has already allowed us to gain market share ", says Thierry Falque-Pierrotin.

Wall Street ends on a rebound after Fed speeches

A disappointment, yes, but short-lived. After opening down moderately, Wall Street initially widened its losses after the speech, as expected, Ben Bernanke. This involved the measurement of the Fed to support the U.S. economy at annual meetings of the Fed's Jackson Hole (Wyoming). But the New York indexes were quickly taken: at the close, the Dow Jones gained 1.20% to 11,283.17 points. The S & P 500, wider, takes 1.49% to 1176.57 points. The Nasdaq dominated by technology advance on its side of 2.47% to 2479.44 points. Over the whole week, the Dow gained 4.3% and the S & P 500 4.7% and the Nasdaq 5.9%, reversing some losses last week.

The Fed chairman did not communicate further decisions to boost growth, leaving the possibility of a new monetary easing later.Yet he managed to reassure the markets by stating that "the foundation of growth" were still there in the United States. "It is clear that the recovery after the crisis was much less robust than we had hoped," he acknowledged, however,

He also announced that the Fed would meet two days in September, instead of originally planned to study, among other things, instruments designed to bring a new economic stimulus money. Ben Bernanke promised that his institution will "do its utmost" to ensure growth and price stability.

Concerning the debt crisis in the eurozone, "I trust," he said, convinced that the Europeans will do what it takes to get by.

Just in Europe, the indices sank after the speech of Ben Bernanke: The CAC 40 ended the session on a drop of 2.30%, the Dax in Frankfurt loose 3% and the FTSE 100 in London 2.13%.Yesterday Wall Street had already ended down sharply in anticipation of disappointing announcements from Ben Bernanke. This morning too, the seats were won by Asian nervousness.

GDP revised down

Before the appointment of Jackson Hole, investors were aware of the second estimate of gross domestic product (GDP) for the second quarter. During this period, U.S. GDP grew by 1% annual rate over the previous three months, said the Commerce Department, revising and down 0.3 points his first estimate of growth in the spring published in late July. Analysts had forecast a less pronounced rate revision, to 1.1%, according to their median forecast.

As for currencies, the euro is regaining ground against the dollar after the speech of Ben Bernanke. To 22h (French time), the European currency was worth 1.4486 dollars against 1.4378 dollars on Thursday night.As for the oil markets, U.S. crude oil ended up slightly, and snapped a series of four weeks of losses. Since Monday, oil gained 3.11 dollars or 3.78%. On the Nymex, the contract on October U.S. crude (WTI) finished with a gain of 7 cents to 85.37 dollars baril.Dans the same time, Brent advanced 0.61%, or 68 cents to 111.30 dollars.

Wall Street should open normally by Monday morning as Hurricane Irene is expected to reach the East Coast of the United States this weekend. The New York Mayor Michael Bloomberg on Friday ordered the mandatory evacuation of more than 250,000 New Yorkers living in vulnerable coastal areas before Saturday 17 hours. "We intend to be open for trading Monday.We have a device to respond to such events, to the market to function while ensuring the safety of our staff, "said a spokesman for the New York Stock Exchange AFP.

Values ​​of the day

On the corporate side, Madison Square Garden (1.31% to 23.14 dollars), Frontline (-0.15% to 6.47 dollars) and Royal Bank of Canada (-2.69% to 49.89 dollars ) must be published.

Tiffany (9.35% to 69.01 dollars) reported Friday a profit of 69 cents per share in the second quarter, while the consensus gave 70 cents. Sales came out at 872.7 million (consensus: 786 million). The jeweler raised its guidance range for the BPA 2011, it now expects between 3.65 and 3.75 dollars. (Consensus: 3.56 dollars per share).

HollyFrontier (7.17% to 70.73 dollars) has reported a dividend increase of 17% to 8.75 cents.MTS Systems (-1.09% to 34.55 dollars) also announced a 25% increase in its quarterly dividend.

Pandora Internet Radio (-2.50% to 8.20 dollars) which made its IPO in June, on Thursday posted a net loss of $ 3.18 million in the second quarter of its fiscal year offset, and sales more than doubled, exceeding analysts' expectations.

Krispy Kreme Doughnuts (9.31% to 8.57 dollars) has reported a quarterly profit of $ 8.8 million or 12 cents per share against 2.2 million a year earlier. Sales jumped 11% to $ 97.9 million.

Boeing (-2.78% to 62.80 dollars): 787 Dreamliner, its new aircraft, for which more than 800 orders have already been registered, received Friday certification authorities in the U.S. civil aviation.The first deliveries of the aircraft, the Japanese company promised to All Nippon Airways, lagging about three years, due mainly to disruptions in the supply chain components.

The CAC 40 expected sharply higher

Relief. Is the word that should prevail today on all global exchanges, after U.S. lawmakers passed this night finally put to agree on raising the debt ceiling. At 8:15, future contracts on the CAC 40 advanced sharply from 1.39% to 3724.50 points.

Last week, the inability of the United States to solve the problem of public finances had weighed on investor sentiment. In Paris the CAC 40 was indeed touched its lowest level in session year (3,630.75 points), while Wall Street finished its worst week in a year, despite the intervention of Obama Friday in an attempt to reassure debt.

After the relief 10 days ago on Greek sovereign debt, the calm would return to the Paris financial center.After weeks of negotiations, elected Democrats and Republicans have indeed finally found common ground on the amount of new ceiling, avoiding the world's largest economy is in default of payment in the coming days. According to preliminary information provided by the White House, the debt ceiling would be raised to 2.1 trillion dollars, which breathe new life in the United States on the forehead of the debt until 2013, after the presidential elections. This agreement in principle will also enable the countries to continue to borrow on the markets beyond the August 2 deadline set by the Treasury.

The reaction of rating agencies expected

On the other hand, no excessive optimism are to be expected in the financial markets today, at least until the U.S. Congress has not ratified the agreement. The first submission is expected to vote that day.Furthermore, few details have yet filtered on measures taken to reduce the deficit in the U.S., which does not exclude the possibility of deterioration in the rating of the sovereign debt of the United States.

For now, the first tranche of spending cuts of $ 1 trillion is expected. Then a bipartisan special committee of Congress will then be responsible for finding the end of November additional expenditure cuts amounting to 1.5 trillion dollars. A total of 2.5 trillion dollars in budget cuts, all over 10 years. From this point of view, the reaction of rating agencies in this agreement called the "medium term" should be widely followed by the markets.

On the currency front, the dollar has benefited only modestly from the announcement of the night, illustrating the temporary nature of such an agreement.Around 6:00, the euro slipped against the dollar at 1.4385 dollars against 1.4395 on Friday, but climbed against the yen at 111.67 yen against 110.41 Friday. For its part, the dollar set off again up significantly against the yen at 77.63 yen after briefly reached 78 yen, 76.73 yen against Friday night.

In terms of oil prices were up Monday morning in electronic trading in Asia, where the market relieved by this agreement in extremis. In morning trading, a barrel of "light sweet crude" for September delivery gained 1.53 dollars to 97.23 dollars. That of Brent North Sea crude for September delivery was appreciating $ 1.25 dollar to 117.99.

Macroeconomic side, investors should look carefully at the unemployment figures for the month of JuneOverseas are also expected to 4:00 p.m. construction spending for the month of June, the ISM manufacturing index for July.

As for values ​​to follow

Last week, the many semi-annual publications were rather disappointing, adding to the nervousness of investors. The pace slows publications this week, though are expected in the next three days the details of the interim bank values ​​(Tuesday BNP Paribas, Societe Generale on Wednesday and Thursday Axa and Natixis).

Eiffage reported a slight slowdown in growth in the second quarter despite a sharp rebound from its construction activities, the division of public works who registered a decrease over the period.

Outremer Telecom.A draft tender offer simplified to the telecom operator was introduced by OMT Invest, a structure controlled by Axa Private Equity, according to a notice to the Financial Markets Authority (AMF) and released Friday.

EDF Energies Nouvelles (EDF ENR) has entered into exclusive negotiations with Capital Perceva to cede control of Supra, the fund feeds the project to file a simplified takeover bid at the end of the process.

General Health issued a sharp drop in operating profit in the first half due to exceptional items, but its revenue rose due to higher acute care stays.

Recylex published Friday sales for the second quarter increased significantly, from 32% to 125.34 million euros, supported by an increase of 48% of its business in recycling lead thanks to rising 16 % of lead prices and increased sales volumes.

Air Liquide. The gas giant reported Monday a 11% increase in net profit in the first half, to 750 million euros.It maintained its forecast a "steady increase" in net profit for the year.

Note that Gameloft will publish its interim results after market close, while Le Noble Age unveil at the same time state sales for the same period. The British bank HSBC, which is listed in Paris, finally published its results for the first six months of the year.

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Calmels, "In television, there is also room for error"

150 million euros in turnover, to 140 employees. The French subsidiary of Endemol, the television production giant, is doing well. What I do not deny, at the end of the season, his many projects. Endemol France has developed and produced two games that will stand this summer, by the autumn. First "No one had thought," the adaptation of the format 'Pointless' on the BBC UK, a weekly game presented by Cyril Féraud, to be launched on July 16 France 3, every Saturday at 17:15. French adaptation of a concept to international success, "Money Drop", presented by Laurence Boccolini, install, meanwhile, in August on TF1 in access prime time. "An exciting game combining both general knowledge questions, emotion and tension generated by the potential loss of 250,000 euros.Grids operating in the summer breaks, it's an interesting time to launch new products. We did years ago with the "Wheel of Fortune," which began in early August before being extended for the rest of the season. "Money Drop" has already been successful in 20 countries, there is no reason why he did not know one in France, "notes Virginie Calmels, formerly of Canal +, became CEO of Endemol France in 2007 , which she joined in 2003 as CEO.

Partner of TF1, Endemol produced including "The 12 strokes of noon", the game launched in June 2010 which was attended by an average of over 3 million viewers and 29% audience share over the 4 years and over, on the first half of 2011.Mainly known for its reality shows like "Big Brother" or "Star Academy", the production company it is nevertheless broken teeth with the failure of "Square VIIIP," the challenge is to renew this type of format. This calls into question it's partnership with TF1 Endemol? "No, not at all. If you look out the media landscape, broadcasters and all major producers have had some accidents, especially during the past 12 months. We have the right to make mistakes, the failure to feel the public at a given time. What is important is that it works hand in hand with TF1. And with an editorial vision and common goals very clear, it helps to reconnect with the success, as evidenced by that of "Secret Story 5" which is taking shape.With this success, we also invented in this field of new writing, most modern, why not mix genres like docu-reality we already know, or more generally of the "Factual reality", mixtures of magazines and reality. We are working with TF1. "

If, by far, the reality is most of Endemol discuss, yet it represents "less than 25%" of its business volume. "We are very active in gaming, entertainment and, since 2007, I developed a policy of diversification-oriented fiction and new media. Fiction allows us to work with all broadcasters with whom one did not work or very little flow. " Endemol sold to France 2 TV movie "Kanak, history forgotten" about the life of footballer Christian Karembeu, whose distribution is planned for 2012.The production company also will complete on July 19 shooting of "Once Upon a Time … Maybe not," a drama adapted from the novel by Akli Taj, for France 3.

"Wonderful success of TNT"

The free DTT channels have made 23.9% of national audience share in June, according to Médiamétrie. These chains are gaining 0.4 points from May and 4.1 points year on year. How to analyze this new record? "There were two stages: first the installation of decoders and equipment of French households and that they get used to the content and go get him. Suddenly, the DTT channels are now living their explosion.It is a magnificent achievement and the opportunity for viewers to find a multitude of programs, "said Virginie Calmels, even if that success comes at the expense of historical terrestrial channels.

Endemol has also embarked on the communication market with the "brand content" or "branded content". "Our operations have generally been successful. We even won this year the price of the brand content in the area of ​​clothing, with what we have done for Canal + and Adidas through a retrospective of 40 years of the Blues. Not only that was 100% financed by the advertiser Adidas, but that has not had an outlet in television and the Internet. It's part of our diversification and our new business model. "

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All rate changes on 1 July 2011

Here are the planned changes on 1 July 2011.

• Retirement

The law on pension reform, enacted November 10, 2010 after a long parliamentary battle will come into effect on Friday. The legal age will gradually increase from 60 to 62, with four more months per year. The first people affected are those born after 1 July 1951.The age of the full rate – that is to say that from which an employee receives a full pension even though he has not contributed enough quarter (165 quarters forward) – is raised gradually from 65 to 67 between 2016 to 2023.

By persons possessing a degree of permanent disability of at least 20% and, after notice of a multidisciplinary committee, those possessing a degree of permanent disability between 10 and 20% are still able to go to 60 years.

• SMIC

The minimum wage was last adjusted on 1 January will not be automatically upgraded in July. The rise in prices which reached 2% since last revaluation of the minimum wage – could lead to an increase in August the minimum wage indexed to inflation.Prime Minister François Fillon has also been clarified that no additional boost would be granted.

• Unemployment benefits

Unemployment benefits will be revalued by 1.5% from 1 July, decided Thursday Unédic or at a rate lower price developments and the minimum wage increase of 1.6% occurred at the beginning of years. "The debate was very long to the Board of UNEDIC" consisting of representatives of employers and employee organizations, which manage all unemployment insurance, said the president of UNEDIC, Gaby Bonnand at a press conference.

• Transport

– SNCF: the prices of train tickets will increase by an average of 2.5%. This increase will, as every year, uneven tickets. It will range from 10 cents to 2.70 euros by destination.The price discount cards remains unchanged.

– RATP Navigo Pass packages will increase by 2.7%, except for Zone 5. Zone 6 is removed and merged with the 5, which will mechanically decrease by 11% the price paid by its users, reduced from 123 cash advance no fax.60 to 109.90 euros for a monthly fee. In detail: the monthly zone 1 and 2 increased from 60.40 euros to 62 euros (+2.6%). That of zones 1 to 3 passes to 80.30 euros (+2.7%), and that of zones 1 to 4 to 98.10 euros (+2.7%). The single ticket remains unchanged at 1.70 euro.

The bus fare increases to 1.90 euro (+5.5%), while the book of 10 tickets will increase to 12.5 euros (+4.2%).

• Energy

– Electricity: Household bill increases of 2.9%.The industries and large companies take 4.4 to 4.9% according to the rate at which they are submitted.

– Gas: gas rates for individuals do not change, but those businesses increased by 3.2%.

• E

La Poste has announced that the price of postage for mailings of letters under 20 grams would rise by two cents, from 0.58 to 0.60 cents.

• Mobile Phone

The price of mobile communications passed from another European country down. It will now cost 42 cents per minute against 47 before. Subscribers operators in metropolitan departments and overseas subscribers Dom operators in mainland France also benefit from lower rates.

• Environment

A thousand everyday products will be subject to an experimental display decided at the Grenelle Environment Forum.Packaging will be accompanied by a statement indicating their carbon footprint and their impact on biodiversity, water, etc..

• Bank

A summary of bank charges (basket of services, payment systems, operational occurrences, agios) will now be on the monthly bank statements, which also display the ceiling of the overdraft.

• Pets

The electronic chip designed to identify the pet becomes mandatory for all animals that will travel outside French territory.

(With agencies)

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