The pre-budget buzz has begun. Page one stories are all about the finance minister meeting the regulators, the banks and the financial sector captains to get inputs on what needs to be done to facilitate the flow of money that business will need as the economy is cranked up once more. There are certain words, phrases and terms used by the financial sector that have a deeper meaning—sometimes an actual threat—that a smart finance minister either understands himself or is made to understand by his team of bureaucrats. I’m decoding some of these so that we better understand the meaning behind the words we read as these meetings get underway. Why should we bother? It is our money they’re all talking about. And the conversation is all about how to keep our money earning below inflation rates and how to keep it captive so that it can’t go anywhere other than to the government and in the process fatten banks and insurance companies.