in:specie(TM) started life as the free back room analysis for Debt Advice Bureau, a free not-for-profit debt advisory service.

The success of analysis and forecasts, made in 2006 and 2007, provided the momentum to grow the service to act as a free source of economic and financial analysis, available at inspecie.co.uk.

As a voluntary debt counsellor of over 15 years the goal of in:specie(TM) is simple. Help people make more informed and better decisions about their finances and the economy.

Being non-commemrcial, the site is free of adverts and unsullied by sales-motivated spin. Reports, when published, are free to download.

All the charts contained in the in:specie(TM) photostream are available for copying and use under the Creative Commons Attribution-No Derivative Works 2.0 UK: England & Wales licence. Any other charts have all rights reserved and are not available for copying.