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2025 Baden-Württemberg Consumerism Consumption Economic downturn Economic recession Economic slowdown Economic slump Economy Germany European banking European economy European market European urbanism February 23 Freiburg architecture Freiburg businesses Freiburg economy Freiburg im Breisgau German Inflation German banking German economy news German spending habits Germany Germany economic Immobilien Industrial real estate Inflation Germany Real Estate Savings Banks Savings Banks Real Estate Sparkasse Sparkasse Baden-Württemberg Sparkasse Germany VAT rates banking institution banking sector banking services banking systems budget constraints business cycles business district business headquarters business investments business network business operations business photography business services business signage buying power city landmarks city planning city street cityscape cobblestone street commercial leasing commercial property commercial real estate commercial services community banking consumer behavior consumer confidence consumer debt consumer expectations consumer goods consumer incentives consumer outlook consumer protection consumer spending consumer spending habits consumer spending patterns consumer-focused policies corporate branding corporate finance corporate identity corporate space cost of living cost-of-living crisis credit access crisis management customer engagement customer service debt levels disposable income downtown Freiburg economic activities economic activity economic adaptation economic cooperation economic crisis economic disparities economic distress economic diversification economic forecasts economic growth economic hardships economic hub economic imbalance economic indicators economic inequality economic instability economic institutions economic liberalization economic models economic outlook economic performance economic policies economic recession impact economic recovery economic resilience economic stability economic stimulus economic strategies economic surveys economic uncertainty economy economy stability energy crisis energy policies energy prices environmental impact on economy financial advisory financial challenges financial corporation financial crisis financial district financial ecosystem financial growth financial industry financial literacy financial planning financial services financial stability financial transactions fiscal balance fiscal policy fiscal stimulus global economy global inflation global market fluctuations goods and services government spending government stimulus historic city historic preservation household expenditure household savings housing advisory housing consultancy housing demand housing finance housing market housing projects housing sector housing solutions inflation concerns inflation expectations inflation impact inflation rates inflationary pressures infrastructure investment infrastructure investments interest rates international trade investment investment banking investment opportunities job market trends labor market large corporations local business scene local economy low purchasing power macroeconomics market performance market shifts microeconomics modern banking modern business monetary policy mortgage lending mortgage services mortgage solutions multinational corporations no people office building office location office space rental pedestrian area poverty levels poverty rate price hikes price increases private sector balance professional services property acquisition property agency property consulting property financing property investment property listings property management property ownership property research property sales property solutions property valuation public banking public sector public spending purchasing trends real estate real estate branding real estate consultation real estate development real estate expertise real estate market real estate office recession fears recession prevention regional disparities rental properties rental services residential investment residential property residential real estate retail business operations retail challenges retail industry challenges retail purchases retail sales retail sector retail space retail trends savings bank network savings institutions savings rates service industry service sector small business economy small business support social mobility social welfare storefront signage supply chain disruptions sustainable development tax policies tax reforms trade barriers trade relations trusted institutions unemployment urban architecture urban development urban infrastructure urban lifestyle urban planning urban property wage stagnation wages and salaries wealth creation wealth distribution wealth inequality wealth management