The business news enterprise package planned through Oct. 8. For comments or questions, call 212-621-1680. For questions about photos, call ext. 1900. For questions about graphics, call ext. 7636. Repeats of stories are available from http://apexchange.com or the Service Desk, 1-800-838-4616. Adds: HOUSING RECOVERY-MORTGAGE RATES, SHUTDOWN-STILL WORKING, ON THE MONEY-UNSUBSIDIZED HEALTH INSURANCE GREAT RESET-INVESTING NEW YORK â¿¿ Five years after the financial crisis, households around the world are still playing it safe with their money, too spooked and distrustful to take risks needed to revive a sluggish global economy. An AP analysis of households in the 10 largest economies shows they have pulled hundreds of billions of dollars out of stocks, cut borrowing for the first time in decades and poured money into savings and bonds that offer puny interest payments, often too low to keep up with inflation. It's a flight to safety not seen on such a global scale since World War II, and the implications are huge. Shunning debt and spending less can be good for one family's finances. When hundreds of millions do it together, it can starve the global economy. This is the third installment of "The Great Reset," an AP series exploring major changes wrought by the Great Recession. By Business Writer Bernard Condon. Eds: Sent 3,400 words on Oct. 1, embargoed for print release Sunday, Oct. 6, and thereafter. Abridge version, 1,900 words, will be sent Thursday, Oct. 3. AP Photos. With: GREAT RESET-DEVELOPING ECONOMIES â¿¿ Spending by the developing countries of Brazil, Russia, India and China in the financial crisis helped keep a global recession from becoming a global depression. But now the BRICs are stumbling. A look at what's tripped them up. By Business Writer Bernard Condon. GREAT RESET-HOLZHAUSEN Q&A â¿¿ Arne Holzhausen, a senior economist at insurer Allianz, says what's keeping people from taking chances is not just a fear of loss, but something more deeply rooted: a mistrust of the financial system. By Business Writer Bernard Condon.