By STAN CHOE and ALEX VEIGA AP Business Writers NEW YORK (AP) — Stocks in the U.S., Japan and Germany have risen 20% or more. The U.S. economy grew by more than 5% over the summer. Bitcoin recovered from its “crypto winter” and rose above $40,000. But for all those big numbers, one shrinking number superseded all. Inflation, the scourge of the global economy, moderated this year. It’s still relatively high in the U.S., at 3.1% in November, but it has cooled enough to get investors looking ahead to a 2024 where interest rates may be on the way down instead of up. Higher rates are having an impact, however, with the slumping U.S. housing market being the prime example. The post How the mar
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