The Lockdown File: Who Decides When Your Bank Money Comes Back — Special Report No. 06

The money in your bank account is a loan you made to the bank. Do you know who decides when it comes back?

In March 1990, Brazil froze about 80% of the money its people had in banks for 18 months. In 2013, Cyprus cut balances above €100,000. In 2023, US regulators decided in one weekend whether to cover deposits above the insurance limit. The decision-maker changed every time. The mechanism did not.

WHAT YOU GET (PDF, 40 pages)

- The full story: the video's ten acts, with 11 charts built from official data, and what was left out, and why.

- The Source Binder: 27 document cards. Every number with its original and a QR code to open it on your phone.

- Declared divergences: where sources disagree, both numbers side by side.

- The 10-minute X-ray: a worksheet to list where your money sits and what's above the FDIC limit (US$ 250,000 per depositor, per bank, per ownership category).

- Five questions to ask your bank or broker, each with the rule behind it.

- A living file for 12 months: if a rule changes, the new version arrives by email.

YOU'LL LEARN

- The one sentence in a minister's 2010 interview that explains why savings accounts were added to the freeze.

- How a decree became permanent in 28 days, and the gap in the 2001 clause that closed that door.

- US$ 42 billion requested from Silicon Valley Bank in one day, and the Sunday decision that followed.

- 47.5%: what Bank of Cyprus depositors lost above €100,000.

WHO IT'S FOR: anyone with money in a bank account, savings or CDs who wants to know, with documents, how far the protection goes and how long a payout could take.

WHO IT'S NOT FOR: anyone looking for investment tips. Nothing in it tells you what to buy or which bank to use.

7-DAY GUARANTEE: if the file doesn't make your deposit rules clearer than the video did, full refund, no questions asked.

Educational material. Not investment, legal or tax advice.