Over 8,000 bank branches are expected to close worldwide in 2025. Approximately 3,200 of those closures will take place in the United States. Q1 experienced 148 net branch closures in the US, with all major banks slated to close branches throughout the year.
These are merely bank closures and not bank failures, although two smaller US banks did fail this year. People simply prefer online banking as we have made the switch from relational to transactional banking.
Bankrate conducted a survey that found 77% of Americans prefer online digital banking, yet other surveys believe the figure is closer to 89%. Digital banking has been rising in popularity in recent years, up from 203 million domestic users in 2022 to the 216.8 million projected users in 2025. The survey found that 34% of consumers use online banking on a daily basis, consistently checking their account and transactions. There has even been a 19% increase in use among the 65+ crowd who is least likely to use digital services.
The total number of bank branches across the US fell below 65,000 in Q2. Texas, New York, and California saw the largest decrease in brick-and-mortar locations. Many branches that chose to remain open are only offering drive thru services. One in three banks has closed in rural areas as there is no demand, and the Federal Reserve noted in its annual Banking Access Report that the number of “banking deserts” across the Midwest is rising.
Banks have no overhead with digital banking services and they do not need to hire staff. The cost-per-transaction for in-person banking is $4.00 compared to only $0.04 for digital. AI is rapidly replacing bank tellers with a 3 to 1 ratio.
The trend is global. The United Kingdom anticipates 370 to 450 branch closures this year. Germany and France are facing 1,100 closures combined. The Asia-Pacific region of the world saw a 16% reduction in bank branches from January to May 2025. Certain nations like Malaysia and Thailand also offer branchless micro-banking kiosks to substitute relational banking.
The money in your bank account is already just an electronic book entry. Not only is there less demand for face-to-face banking, but they are also preparing for CBDCs as bank branches are unnecessary without physical paper money. You can deposit a check on your phone or at a kiosk, but e-checks are rising in popularity. The only thing left for a branch is safe deposit boxes, and the government assumes you are hiding cash there anyway. Relationship banking is becoming a thing of the past, the latest casualty in the cycle of creative destruction.
Some people are reporting that Japanese researchers were able to obtain vaccine and death records for 21 million people, and determined that those who died from MNRA came in “death waves” that took place 3-4 months after the injections, not right away. The data also reveal how long it takes for your death risk to return to normal, following a covid jab. This does not appear to be verifiable.
Data from Japan has been elusive. They definitely have the information infrastructure, seen in publications with amazing detail for population studies. It is a country of ~125M, and ~1.6M die every year. So 21M would be ~13 years worth of death data. I think it’s plausible that a researcher gets that much data. I’ve seen shoddy population-wide mortality calculations before, but my guess is Japan would grant access to someone with the necessary experience. And Japan has been under a decent amount of pressure to reveal details of its excess mortality:
Okada and Nishiura had a preprint released earlier this year with significantly smaller numbers for life expectancy in 2022 compared to 2021 or 2020. A paper chock-full of pandemic awareness, and notably, the one word most conspicuously absent: “vaccine.”
Also, out of the Japanese Medical Association (JMA) Journal: “Although Japan recorded the world’s highest rate of COVID-19 messenger ribonucleic acid (mRNA) vaccination doses per capita, COVID-19 cases and deaths exploded after the emergence of the Omicron variant, followed by a significant increase in excess deaths in 2022 and 2023. Although several hypotheses have been proposed to explain these phenomena, the truth remains to be established because sufficient studies and data disclosures have not been conducted to adequately investigate the possible contribution of mRNA vaccines.”
And another in BMJ comparing pre/post mortality: Excess mortality during and after the COVID-19 emergency in Japan: a two-stage interrupted time-series design
Even I must to admit, I received inquiries when some heard I refused to be vaccinated to my surprise. I am cautious even with my dogs. Traditional rabies vaccines have been effective for decades, but advancements in biotechnology are introducing new options.
One such innovation is the mRNA-based rabies vaccine for dogs, which enhances protection and improves production. Why change something that has worked for decades if it is not broken? Make more money? Rabies in dogs has been largely eradicated in the United States. Yet the producers of vaccines have succeeded in making it a law that dogs must be vaccinated. I demand to know who makes any vaccine before they inject my dogs.
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The biological warfare unleashed on the global population should not be a forgotten war. A new study observed miscarriages and pregnancy losses among mothers-to-be who received the COVID-19 vaccination during gestational weeks 8-13 and 14-27, respectively. Researchers also noted the impact on unborn babies of mothers injected with the influenza vaccination as a comparison.
The Israeli study analyzed 226,395 pregnancies and found that 1.1% of women lost their babies when given the COVID-19 vaccination after week 24 of pregnancy. An alarming 2.7% of women who received a COVID-19 vaccination in the early weeks of pregnancy suffered the loss of a pregnancy. The study also factored in expected losses due to natural events. Those who received dose 1 during 8-13 weeks experienced a higher-than-expected number of fetal losses of approximately 18 vs. 9 for every 100 exposed pregnancies.
Most pregnancy losses occurred after gestational week 20, with half of deaths happened after week 25. Mothers who received dose three of the vaccine during weeks 8 to 13 exhibited a higher-than-expected number of fetal deaths with nearly 1.9 (95% CI: 0.39-3.42]) additional fetal losses above expected per 100 pregnancies.
How does this compare to the typical influenza vaccination? Women vaccinated during weeks 8 to 27 of pregnancy exhibited a lower-than-expected number of fetal losses. Those who received the flu vaccine in weeks 8 to 13 had fewer losses of around 5 per 100 women vaccinated. The study also attributed this to health vaccine bias as those who received the influenzas vaccine were likely to be healthy to begin with and cleared by their doctor rather than forced by their government.
Israel has one of the highest global rates of vaccination, and although they did not issue a blanket mandate, the government provided the vaccinated with a “green pass” while shunning the others from accessing public venues. The Israeli Ministry of Health, along with every other health agency, urged pregnant women to receive the COVID-19 vaccination and explicitly advised all pregnant women in their second and third trimester to take the mRNA vaccine. The government found that women were most likely to take the untested vaccine if their physician recommended doing so. Every tactic to coerce the population into willingly accepting the vaccine was unleashed.
The Israeli Ministry of Health continues to recommend that pregnant women accept the vaccination, and if their babies survive, they can begin to take the COVID-19 vaccinations at 6 months of age. The Centers for Disease Control and Prevention and the HHS in the United States changed their recommendations in recent months and no longer encourage healthy pregnant women to take the vaccine, likely solely due to Robert F. Kennedy Jr becoming the HHS Secretary.
“As of today, the COVID vaccine for healthy children and healthy pregnant women has been removed from the CDC recommended immunization schedule,” Kennedy said in May 2025. “Last year, the Biden administration urged healthy children to get yet another COVID shot despite the lack of any clinical data to support the repeat booster strategy in children.”
The COVID-19 vaccination was never a medical necessity. There were no tests or studies conducted. Global governments aligned to attack the global population with an experimental vaccine that they insisted was safe and effective.
In early 2021, the entire European Union was under lockdown. Governments were prohibiting citizens from participating in society without the vaccination, and the EU’s largest supplier at the time, AstraZeneca, was unable to meet production needs. European Commission President Ursula von der Leyen awarded Pfizer a €35 billion contract, personally, bypassing the proper channels in an apparent conflict of interest. Not only was she responsible for negotiating the deal, but she was also responsible for implementing the protocols.
In a backdoor deal, Von der Leyen negotiated the lucrative agreement directly with Pfizer CEO Albert Bourla on her personal cell phone, bypassing the traditional processes in place for transparency. Pfizer then became Europe’s leading supplier of the COVID-19 vaccine and was awarded €35 billion in public funds. All of this was done secretly and highlighted the immense power that Ursula had amassed through a growing centralized government–she is no longer pretending that there is a democracy in the EU. There were Hillary’s emails, and now there are Von der Leyen’s text messages to Bourla.
The New York Times journalist Matina Stevis-Gridneff first broke the story in April 2021, revealing that Bourla and Von der Leyen had been personally corresponding for a month before the EU, represented by Ursula alone, awarded Pfizer and its German partner, BioNTech, the bloc’s first regulatory approval. The contract provided the EU with 900 million doses through 2023, with the option to order an additional 900 million.
Matina Stevis-Gridneff submitted a request to the European Commission for access to the text exchanges but was denied. The EC claimed they did not have access to those messages. Although she brokered a deal to provide billions in taxpayer funds to an American corporation, the court maintained that the public was not entitled to view those messages or know the nature of the deal. This completely eroded public trust and confidence, at least for those who were paying attention, and especially for those who witnessed the significant power the EU had usurped over member nations.
The case later went to the EU’s General Court, which concluded that the European Commission’s claim that it did not possess the requested text messages demonstrated a lack of credibility and transparency, declaring that those messages should be considered official EU documents. “The public has a right to know how this deal was made, and that includes text messages with the Pfizer CEO,” the court ruled. Watchdog groups hailed the ruling as a victory for transparency.
There are now members of the European Parliament who believe she should step down from her position due to the ordeal. Romanian MEP Gheorghe Piperea plans to collect the required 72 signatures and submit a no-confidence motion. Over two-thirds of MEPs present would need to collectively vote to remove von der Leyen, which could prove difficult as she secured the support of 401 of the 720 members during the last election. However, her popularity is waning, and politics are increasingly divisive. The bureaucrats in the European Union wield immense power over all member nations to the point that individual European countries have no sovereignty.
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