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𝗲-𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗥𝗼𝗮𝗱𝘀𝗵𝗼𝘄: 𝗧𝗵𝗲 𝗘𝗻𝗱 Så er tasken pakket ud igen. 10 lokationer. Over 1.000 revisorer og bogholdere. Og en forrygende oplevelse fra start til slut. Vi kom for at vise alt det, vi har bygget det seneste år - fra AI og automatisering til de små greb, der gør hverdagen i e-conomic hurtigere. Og det er dét, folk husker fra en scene. Men det, jeg tager med hjem, står i notesbogen: hundredevis af ønsker og forbedringsforslag fra dem, der sidder i programmet hver eneste dag. Det er guld. For det er præcis dér, de næste års funktioner begynder. En samlet NPS på 71 fortæller mig, at vores brugere gik glade derfra. Det betyder meget. Men det, der betyder mest, er, at mange nu er klædt på til et moderne e-conomic, hvor automatisering og effektive arbejdsgange ikke er noget, man læser om - det er noget, man bruger mandag morgen. Tak til alle jer, der kom, lyttede og ikke mindst: fortalte os, hvad vi kan gøre for at gøre produktet endnu bedre. En særlig tak til mine kollegaer på scenen - Casper Nymand Thomsen, Ida Støier & Alexander Geisler - samt Mads Holmgren, der er hele bindeleddet mellem kundefeedback og produktudviklingen. På billedet ser I Casper på scenen fra det sidste show i IDA Conference i København - en fantastisk afslutning! Roadshow 2026 er slut. Arbejdet er i fuld gang 🛠️ #economic #roadshow #revisor #bogholder #regnskab #automatisering #ai

AML is never going out of vogue, even in a deregulatory environment. The big fines we’ve seen recently are a reminder that banks need to maintain high-quality controls regardless of the administration. We tend to see regulatory requirements mount up over time, even if short-term priorities change. Technology should help teams work through lower-risk tasks so they can focus on the things that are really going to give them heartburn from a risk management perspective. But hiring more analysts and buying new systems doesn’t necessarily mean a bank is getting better at identifying financial crime. If serious issues aren’t escalated or leadership doesn’t act on them, the program isn’t working. I shared my thoughts on AML controls and accountability with Anthony N. for his piece in Global Finance Magazine: https://lnkd.in/gCnZrQp2

Ennen viikonlopun alkua haluaisin vielä kysyä yhtä asiaa ”Miten teidän myynti kehittyi viime kvartaalilla?” Johtoryhmän palaveriin valmistautuessa voi tulla mieleen vielä yksi kysymys: keille asiakkaille myytiin eniten, ja onko jonkin asiakkaan laskutus vähentynyt? Nämä tiedot varmasti löytyvät taloushallinnossa, mutta oikean raportin ja hakuehtojen etsimiseen voi kulua aikaa. Finago Procountorin Ask-tekoälyavustajalta näitä asioita voi kysyä todella näppärästi. Vastauksen saat esimerkiksi tekstinä tai graafina, ja keskustelua voi jatkaa tarkentavilla kysymyksillä. Aivan mahtavaa, eikö totta! Minua tässä innostaa erityisesti se, että yrityksen omia talouslukuja on helpompi tutkia itse. Ymmärrä yrityksen tilanne nopeasti. Ask selittää, mitä luvuissa tapahtuu, tunnistaa olennaiset trendit. Ohjelmistotalon johdon ei tarvitse tuntea kaikkia raportin hakuehtoja voidakseen selvittää, miten myynti on kehittynyt. Tekoälyn antama vastaus pitää toki tarkistaa. Ask näyttää myös, millä perusteella se on vastauksen muodostanut. Mitä te haluaisitte kysyä oman yrityksenne talousluvuista? Pohditaanko yhdessä, miten Ask voisi helpottaa teidän talouslukujenne seurantaa? Laita viestiä, niin jutellaan! Askista:https://lnkd.in/ds5bH5zY Aurinkoista loppu viikkoa :)

Estar perto do cliente também significa entender como ele vende no dia a dia! 🙂 Para muitos empreendedores, a maquininha física ainda é uma ferramenta essencial para receber pagamentos no balcão, no consultório, na loja, no restaurante ou em qualquer outro ponto de atendimento. Foi pensando nessa realidade que lançamos a Asaas Smart, a nova maquininha permite receber pagamentos no débito, crédito à vista e parcelado, Pix, vouchers e multibenefícios. E, principalmente, conecta essas vendas diretamente ao Asaas, sem a necessidade de abrir uma conta de liquidação separada. 💙 😀 A Asaas Smart nasceu ouvindo as necessidades dos nossos clientes e para tornar a operação deles mais simples, integrada e eficiente! Vqv 🚀

Asiakas on valinnut ohjelmistonne ja haluaa aloittaa verkkolaskutuksen. Hän kysyy: ”Saanko tämän käyttöön teidän kauttanne, ja mitä se maksaa?” Vastauksen pitäisi olla yhtä selkeä kuin ohjelmiston muidenkin palvelujen kohdalla. Asiakkaalle ei vielä riitä tieto siitä, että tekninen yhteys verkkolaskuoperaattoriin on olemassa. Hän haluaa tietää, mitä palveluun kuuluu ja mitä hänen pitää tehdä seuraavaksi. Minusta tämä kannattaa miettiä jo silloin, kun verkkolaskutusta suunnitellaan osaksi ohjelmiston tarjontaa. Sisältyykö se nykyiseen palvelupakettiin vai onko se erikseen valittava palvelu? Miten hinnoittelu ja käyttöönotto kerrotaan asiakkaalle? Finago Apixin kumppanuudessa ohjelmistotalo voi tarjota verkkolaskutuksen suoraan omasta ohjelmistostaan. Omat paketointi- ja hinnoittelumallit antavat mahdollisuuden rakentaa palvelusta omaan asiakaskuntaan sopivan kokonaisuuden. Teknisen toteutuksen rinnalla kannattaa siis suunnitella myös se, miten palvelua myydään ja miten asiakas pääsee alkuun. Jos mietitte verkkolaskutuksen lisäämistä omaan ohjelmistoonne tai nykyisen palvelun kehittämistä, jutellaan siitä, millainen kokonaisuus toimisi teidän asiakkaillenne. Lisää ohjelmistokumppanuudesta: https://lnkd.in/dKkF-Z6e

”Tarvitsemme EDI-tuen” ei vielä kerro, mitä ohjelmistoon pitää toteuttaa. Onko kyse tilauksista, tilausvahvistuksista, toimitustiedoista vai useammasta sanomasta? Entä mitä tiedoille pitää tapahtua omassa järjestelmässä? ⚖️ Finago Apixin kumppani Ahkio Consulting kertoo asiakastarinassaan, että heidän asiakkaansa saavat EDI-käyttöönottopyyntöjä omilta asiakkailtaan. Tarve kumpuaa kauppakumppanin kanssa tehtävästä liiketoiminnasta. Teknisen toteutuksen suunnittelussa selvittäisin ensin kolme asiaa: • Mitä sanomia pitää lähettää tai vastaanottaa? • Mitä tietoja ja sanomamuotoja kauppakumppani edellyttää? • Miten saapunut tieto käsitellään ohjelmistossa ja mistä lähtevän sanoman tiedot saadaan? Esimerkiksi tilauksen vastaanottaminen on vain osa toteutusta. Pitää myös ratkaista, miten tilaus liittyy ohjelmiston asiakkaisiin, tuotteisiin ja tilausten käsittelyyn. Ahkio tarjoaa EDI-sanomanvälityksen Apixin kanssa osana omaa järjestelmäkokonaisuuttaan. Tämä on erinomainen esimerkki siitä, miksi palvelun suunnittelu kannattaa aloittaa asiakkaan liiketoiminnan kautta, eikä pelkästään teknisen ominaisuuden näkökulmasta. 💜 ✌ Ahkion asiakastarina : https://lnkd.in/dtCmNDyc

Two questions I ask before every travel demo: 1. What manual work goes into processing one business trip? 2. How do you make sure you don't overspend on travel? My favourite answer so far, word for word: "It's the wild west out there." The wild west is fun. But it's also expensive. That's why we built the sheriff 🤠 It applies your policy against the real market rate for that route, not a cap someone typed in two years ago. The only market finance has to watch now is the one in the paper. PS: Kudos to EnduroSat team who gave us the idea for showcasing the market rate to approvers.

🌊 Can we produce more seafood while restoring the balance of our oceans? The world needs more sustainable protein, but our oceans are already under significant pressure, with the majority of wild fish stocks overfished. With very limited potential to increase wild fish catches, aquaculture has a crucial role to play in feeding a growing population. Aquaculture has clear advantages when it comes to resource efficiency and emissions, but the industry also faces challenges related to fish welfare and ocean health. The real opportunity lies not simply in producing more seafood, but in producing it better. By building on the knowledge, innovation and technologies developed within the aquaculture industry, we can reduce its environmental footprint, improve fish welfare and support healthier oceans. One example from our portfolio at Bluefront Equity is SEAQLOUD AS, which provides sensors and software to monitor environmental conditions in the ocean. By turning environmental data into actionable insights, Seaqloud helps fish farmers make better decisions for fish welfare, while contributing to a deeper understanding of marine ecosystems, biodiversity and how ocean conditions are changing due to climate change. This is a great example of how technology developed for aquaculture can create value beyond the industry itself, helping us better understand and protect the oceans we depend on. 🌍

Every business owner knows exactly what they spend on fuel. Almost none know what rising fuel prices have actually cost them. What you spend is on every invoice. What the price rises took off your profit isn’t written down anywhere, so it never gets looked at. Think back over the last five years. A pandemic, a war in Ukraine, now the Middle East. Fuel fell hard in 2020, then climbed and kept climbing. Most businesses took the rough. The smooth never paid it back. Very few have ever checked how exposed they actually are. The ones that do rarely look at fuel the same way again. Link in the comments if you want to see where you stand.

Some of the best conversations with clients start with a simple question: what needs to change? I had the pleasure of hosting our London Metal Exchange dinner in London, bringing together investors and leaders from some of the world’s largest mining companies, representing around $1 trillion in market value. There was plenty to discuss. With copper at around $6.60/lb, demand is being shaped by the reindustrialisation of the West, itself underpinned by the AI value chain, electrification and defence. In this environment the strategic importance of mining is becoming increasingly clear. But meeting that opportunity raises an important question for the industry. A decade ago, miners pivoted away from investing for the “commodity super cycle” and toward “value over volumes.” Since then, the largest miners have, in aggregate, matched capital investment with cash returns to investors. So, is it time to pivot again? The answer is not straightforward. The sector is considering how to satisfy significant sources of demand, while navigating a challenging investment backdrop. Many in the sector are asking: “what is the appropriate cost of capital in an environment that includes significantly higher Treasury yields, potential crowding out in the IG debt market from increased Hyperscaler issuances, elevated volatility, and geopolitical risk?” For me, that makes the conversation about more than simply investing for growth. It’s about how the industry can invest with conviction while maintaining the capital discipline built over the past decade. That balance will require long-term perspective and commitment from both miners and investors. It’s a fantastically dynamic time for the sector, and I’m proud of our global mining teams across Barclays and their partnership with clients as they consider the opportunities, risks and choices ahead.

Elk jaar in september vindt World Cleanup Day plaats, waarbij miljoenen vrijwilligers in meer dan 190 landen helpen onze planeet op te ruimen. BNP Paribas Nederland deed voor de zesde keer mee aan World Cleanup Day NL. Op vrijdag 18 september haalden twee groepen collega's onder begeleiding van Plastic Whale plastic uit de grachten van Amsterdam en Utrecht. Plastic Whale verwerkt het ingezamelde plastic tot duurzame, praktische meubels en andere producten. Mooi om daar een kleine bijdrage aan te kunnen leveren!#1MillionHours2Help.

By now, we all know we can ship more features, faster than ever. But are we building what matters? I spoke with Matt LeMay about his book Impact-First Product Teams. We got into feature factories, the pressure to “ship faster” with AI, and how leaders can help teams focus on customer and business impact. His point on incentives stayed with me: if we reward output, we get output. We need to reward impact as much. Read the full interview here: https://lnkd.in/eRfvnjCj

Singapore had everything: But one question kept coming up throughout the week of TOKEN2049 How do we turn all this innovation into something that actually works and adds an immense value for traders? For us, the biggest milestone was launching CRXTrade.com, an institutional prime brokerage powered by CoinRoutes. Institutions are already trading across crypto and traditional markets. Their infrastructure needs to catch up. CRXTrade.com brings market access, execution, collateral, custody and portfolio risk together in one brokerage relationship. More markets. Better execution. Less friction. That same focus carried into the discussions on stage: At CoinFerenceX, “Crypto’s Revenue Era” was about building businesses that actually make money. Technology matters, but so do customers, revenue and delivering something people need. At HSC Asset Management Conference, “Active Capital Beats Passive Liquidity” brought the conversation back to how capital is deployed and what makes liquidity useful to institutional investors. At Digital Asset Yield Summit & Hyperliquid Forum, “Why Hyperliquid Will Eat the World” opened up a discussion about where onchain markets go next and what institutions need to participate. Different panels. One common thread: better access is only part of the equation. Execution, capital efficiency and risk management have to work together. Thank you to CME Group for being part of our Singapore event, with over 300 people in attendance. Thank you to Tobias Bauer, Brent Fulfer and The Best Event team for bringing so many people together at the Presidential Suite at the Mandarin Oriental Singapore. An incredible setting, and a chance to spend more time with people beyond the conference floor. The best part was sharing the week with our CoinRoutes team from the US, Asia, London and Dubai. Proud of this crew and what we’re building together. Thank you to the publications that shared the CRX Trade launch, and to everyone who joined the conversations. It was lovely to meet and connect with you all: Jeffrey Tchui 徐家基, Garima Singh, Dmytro Matviiv 🇺🇦, Reza Bundy, Alenka, Josh Du, CFA Kenneth Lim, Animoca Brands, Hyperliquid panel, Ryan Watkins, Hanson Birringer, The Fintech Times, Claire Woffenden, The Block, Finextra, Theodora Lau, Crowdfund Insider, Tony Zerucha, Gate, Traders Union, CoinDesk, Jennifer Sanasie, Patricia Kowsmann, Suvashree Ghosh, Georgia Hanias, Diaan Engelbrecht, Reece Meyer, Mickey Hardy, Amay Patel Giovanni V. #TOKEN2049 #CoinRoutes #CRXTrade

Un auditeur vous demandera "Expliquez moi pourquoi vous avez payé cette facture ?" Il exigera une preuve d'audit à chaque étape. Sur BFM Business, je parle de facturation électronique et d’IA. Post-réforme de la facturation électronique, Basware mise sur l’IA pour transformer la finance Au menu : • Le coût de la non-conformité, y compris sur le déploiement international • Comment automatiser les factures conformes en rajoutant tous les contrôles business • Ce que l’IA fait déjà contre les doublons et la fraude • Quelle part de vos factures est payée aujourd’hui sans que personne n’y touche ? https://lnkd.in/ePdEmuXf #FacturationElectronique #Finance #Basware"

A project hedge shouldn't start with the trade. It should start with the bid. That's the principle behind the project hedging capability we have developed in AtlasFX. Bring Treasury into the economics when a multi-currency project is being priced. Then, if the project is won, carry those assumptions forward into the live exposure, hedging policy and performance measurement. The goal is not simply to hedge FX exposure. It's to understand whether you're protecting the economics the business originally priced. #Treasury #FX #Hedging #RiskManagement #AtlasFX

Är vi verkligen exceptionellt försiktiga sparare och placerare och är vi faktiskt fattigare än våra nordiska grannar? Vad beror skillnaderna i förmögenhet egentligen på? Det finns många seglivade föreställningar om finländare som sparare och placerare. Själv tror jag att det börjar vara dags att uppdatera några av dem. När man granskar finländarnas förmögenhet närmare utifrån data kan man även hitta en del överraskande fynd. I motsats till den allmänna uppfattningen har finländarna till exempel inte särskilt mycket insättningar och klart mer än hälften av nya besparingar placeras. Bland annat dessa teman går jag in på noggrannare under vårt webbinarium tisdagen den 24.11 där Aktias Förmögenhetsrapport presenteras. Det svenskspråkiga webbinariet ordnas kl. 10.00–10.30. Anmäl dig här: https://lnkd.in/d-dggu8s Välkommen med på webbinariet där vi utmanar myterna om finländarnas förmögenhet med hjälp av färska siffror!

Olemmeko todella poikkeuksellisen varovaisia säästäjiä ja sijoittajia, tai aidosti muita pohjoismaalaisia köyhempiä? Entä mistä erot varallisuudessa lopulta johtuvat? Suomalaisista säästäjinä ja sijoittajina elää monta sitkeää käsitystä. Itse uskon, että muutamaa niistä olisi jo aika päivittää nykypäivään. Kun suomalaisten varallisuutta tarkastelee tarkemmin datan kautta, esiin nousee yllättäviäkin havaintoja. Vastoin yleistä käsitystä, suomalaisilla ei esimerkiksi ole erityisen paljon talletuksia ja uusista säästöistä selvästi yli puolet sijoitetaan. Muun muassa näitä havaintoja avaan tarkemmin Aktian Varallisuusraportin pohjalta webinaarissamme tiistaina 24.11. Suomenkielinen webinaari järjestetään klo 9.00–9.30. Ilmoittaudu mukaan tästä: https://lnkd.in/d92EahSj Tervetuloa mukaan murtamaan myyttejä suomalaisten varallisuudesta tuoreiden lukujen valossa!

At a recent founders' dinner in Hyderabad, I asked everyone a simple question: Is building your company in India an advantage or a disadvantage? Most said it was an advantage. But their reasons were remarkably different. Some pointed to customers willing to adopt new technologies. Others mentioned specialized engineering talent, infrastructure built over decades, emerging local suppliers, or the ingenuity of accomplishing more with limited resources. One exchange was particularly interesting. A founder building quantum computers described how difficult it can be to source highly specialized equipment. Across the table, another founder developing advanced optical systems suggested that a manufacturer in his network might have relevant capabilities. They began comparing technical requirements. No promise of a partnership, with the technical fit still uncertain at the end of the dinner. But the conversation illustrated something important: Sometimes a disadvantage for one startup becomes the opportunity for another to build a capability that many companies could eventually benefit from. Three questions I took away for entrepreneurs everywhere: 1️⃣ What constraint have I learned to accept that might actually be a business opportunity? 2️⃣ Could solving that problem create a valuable capability for customers beyond my first market? 3️⃣ Who else is facing a related challenge, and what could we learn from one another? I wrote my field notes from the dinner, drawing on the founders' experiences across space optics, high-altitude platforms, quantum computing and sensing, advanced energy, and autonomous aircraft. I believe their insights will be useful to other entrepreneurs thinking about how to build globally competitive companies. My thanks to all the founders for such generous and thought-provoking conversations, to Dharsha Udayakumar and the T-Hub community for bringing everyone together, and to Ravi Jain and Vasan Churchill for engaging in this special evening. When one startup's solution makes the next startup easier to build, an ecosystem begins to compound. My field notes: https://lnkd.in/g9XE-kbT

AI already does well at the judgment work in finance, things like contract reviews, bill coding and reconciliations, for now with a human review at the end. But I don't believe in vibe coding, especially in an enterprise setting, where you can build security vulnerabilities without knowing what you're doing. So finance people build the prototypes, and our engineers harden them into production systems. This clip is from an ElevenLabs and Stripe conversation on scaling finance from $30M to $500M ARR.

A corporate partnership can become a startup's strongest bridge to the market. It can also become a wall around the company. The same corporate logo can open the next door or close the others. The same custom project can create valuable proof or consume the product roadmap. The same strategic right can protect a real corporate commitment or signal that the startup is no longer fully independent. The problem is not closeness. Deep integration can be enormously valuable. The real question is whether that integration increases or reduces the startup's options. 💡 A strong corporate relationship should create two results at once: a justified advantage for the corporation and a larger opportunity set for the startup. Drawing on practitioner conversations across automotive, aerospace, agriculture, industrial technology, financial services, and other sectors, I synthesized a five-stage Market-Opening Path: Access → Validation → Repeatability → Reach → Resilience The corporation opens a real operating environment. The startup earns credible proof. That proof becomes a reusable capability. The capability reaches additional customers and markets. The company becomes more resilient and less dependent on any single relationship. Corporate advantage can exist at every stage. Control is not a stage in the path. Before deepening a corporate-startup partnership, I would ask: 🔎 Is the custom work producing reusable capability, or only serving one corporation? 📌 Are special rights matched by measurable commitments, narrow scope, and a clear expiration? ⚙️ Can the startup use the relationship as proof with other customers and investors? 🛑 Could the terms discourage reasonable competitors, future financing, or independent decisions? 🌐 If this corporation becomes the startup's largest customer, will its involvement make the next customer easier or harder to win? One principle from GM Ventures captures the balance well: aim to become the startup's first and best customer, but never its only customer. This is the subject of my new From Frontier to Iconic article and the third Corporate Venturing Insider Practitioner Report: Open the Market. Do Not Capture the Startup. The article is public and provides practical guidance for founders, investors, and corporate leaders. The complete report, including the partnership framework and 24-point diagnostic, becomes available when a reader introduces six new subscribers to From Frontier to Iconic. 🔗 Read the article and learn how to unlock the report: https://lnkd.in/gvwWk8Fc

“Mit job går ud på at sige nej til kunder. Jeg elsker det.” Min arbejdsglæde kommer fra noget andet: → Når en familie går fra mødet med mere luft i budgettet, end de havde, da de kom. 😍 → Når vi siger ærligt nej, fordi en omlægning ikke kan betale sig. 😍 → Når vi kan sige og mene det: “Vi modtager ikke provision fra banker og realkreditinstitutter. Du er vores eneste kunde.” 😍 Og der er nok at tage fat på. Ifølge Nationalbanken (2025) var det kun omkring halvdelen af boligejerne med en oplagt gevinst ved at omlægge, som faktisk gjorde det. Resten lod pengene ligge... Har dit boliglån en gevinst liggende? Beregn din mulige besparelse. Linket ligger i kommentarerne 👇 Det er gratis, og det er simpelthen for dumt, ikke at undersøge muligheden for et bedre økonomisk setup. ⬇️ ⬇️ ⬇️ ⬇️ ⬇️ ⬇️ Finobo KSDH Aarhus (Ja, billedet er malplaceret. Helt med vilje.) Det har intet med resten af opslaget at gøre. Jeg ville bare lige benytte lejligheden til at sige, at jeg elsker det danske sundhedsvæsen. Og de hviiie'.

Why are more iGaming businesses considering a Nevis Gaming Licence? Heres what makes it an attractive option: 🔹 B2B and B2C Licensing 🔹 Fast Licensing Process 🔹 Flexible Business Models – Including prediction market models 🔹 Straightforward Company Incorporation (a Nevis company can typically be incorporated within a week) Whether youre launching your first gaming business or exploring an alternative licensing jurisdiction, Nevis is definitely worth considering Let's meet at SiGMA World Rome, GBO International Financial Services Hall 6 Booth 6004 - DM me :)

Looking forward to attending SiGMA Rome, 2–5 November! It will be a great opportunity to reconnect with industry colleagues, meet new partners, and explore exciting opportunities in the gaming industry. Visit us at Booth 6004 — lets have a chat about gaming licenses, corporate solutions, and how we can support your business. See you in Rome! #SiGMARome #GamingLicenses #iGaming #GBO

Hvad er mest skræmmende? Forleden var vi til halloweenarrangement på vores børns skole, og over kaffen faldt snakken på boligmarkedet i vores lokale "vækstområde". Et forældrepar fortalte, at de havde opgivet drømmen om at finde et andet hus og i stedet ville bygge om og udvide deres nuværende bolig. Deres F5-lån stod foran refinansiering, og planen var tilsyneladende ret simpel; "Vi forlænger bare med en ny F5, og så finder vi ud af finansieringen af ombygningen senere." Jeg spurgte nysgerrigt ind til, hvilke overvejelser de havde gjort sig om renteudviklingen, fleksibilitet, fremtidige boligplaner og alternative lånetyper. Svaret overraskede mig; "Det har vi slet ikke snakket om. Vi blev bare anbefalet at lade det køre i en ny periode." Og det er egentlig det, jeg synes, er skræmmende. Ikke nødvendigvis selve løsning, de endte med, men at der tilsyneladende aldrig blev taget en reel dialog om mulighederne. Måske er F5 den rigtige løsning. Måske er den ikke, men man bør som minimum vide hvorfor. Det, der gjorde størst indtryk på mig, var ikke valget af lån. Det var fraværet af den rådgivning, der burde gå forud for valget. Her stod en familie med sund økonomi, boligdrømme og planer om at investere yderligere i deres hjem. Alligevel havde ingen udfordret status quo, drøftet renteudviklingen eller afdækket alternative muligheder. Det er ikke kundernes ansvar at kende rentemarkedet, men rådgiver ansvar at sætte det på dagsordenen. Så hvad er egentlig mest skræmmende? Hvorvidt Halloween-masken på billedet var en forbedring af mit udseende... ...eller at et fornuftigt forældrepar risikerer at træffe en stor økonomisk beslutning uden at få belyst alternativerne? Hvis historien har fået dig til at tænke over dit eget boliglån, så prøv vores låneberegner i kommentarfeltet. Den er markant bedre til at afsløre skjulte muligheder i din økonomi, end Halloween-masken var til at forskønne mit ydre.