Downgrading: rising earnings risk for 2015 Above expectations due to other income; aftersales progressing Regional Oil & Gas Investment Daily Global policy rates：Changes to rates and HSBC forecasts Daily Edge What impacts on the financial markets of the clear political choice for structural reforms in France? Two models for companies: a debt model and a self-financing model. Unfortunately, neither of these two models applies to France Gearing up for peak season Commodities Comment：Aluminium review-robust H2 demand keeps ex-China tight, but not China