Interest rates in a crisis.Sec.13.Dynamic conditions and price readjustments.
Sec.14.Tariff changes and business uncertainty.Sec.15.Rhythmic changes in weather and in crops.Sec.16.Remedies for crises.
Sec.1.

#Mischance, special and general, in business.# Every separate business enterprise is subject to chances which suddenly decrease its profits and the prosperity of its owners; such are fire, flood, illness of its owners, unfavorable changes in prices of materials or of the products.[1] The interests of many other persons in the neighborhood may be so bound up with an enterprise that its losses may mean unemployment, lower wages to workingmen, and bankruptcy to local merchants and to banks.

Sometimes misfortune and disaster affect whole communities.

The lack of cotton while the Civil War was in progress compelled the factories of Manchester to close in 1864, and the earthquake and fire in San Francisco in 1906 left a quarter of a million people homeless.
But a change of business conditions is constantly occurring that is of wider extent, that is of less accidental and of more rhythmic nature, and that appears to be the effect of slowly working and more general causes.

The enterprise of a modern community, as a whole, "general business," moves along, in a wavelike manner, going through a somewhat regular series of changes that is called a business cycle.