It’s decision day for the European central bank and it’s more than the tea leaves which point to a Cut in interest rates.  They stand at 4% at the moment  up from zero 2 years ago. But what does it mean for consumers?  They've seen soaring inflation and borrowing costs over the past 2 years.  What should they do with their money?  To discuss with Joe was Denis Eustace an Independent Financial Adviser with Progressive Financial services.