* The Bank for International Settlements stated that it believes “there is great uncertainty about the behaviour of individuals and institutions if rates were to decline further into negative territory or remain negative for a prolonged period.”

* A S&P Global Financial Literacy survey showed that only 57% of U.S. adults are financially literate. How much do you know about money? An eight question quiz. WSJ

* Education and health services added the most net jobs over the past year (+698,000) while mining and logging lost the most (-141,000). BLS