What is the main idea of the passage?

Fed Chair Janet Yellen announced Dec. 16 that the central bank would raise interest rates for the first time in almost a decade. Any further monetary tightening will be gradual and contingent on continued economic health, she explained, projecting that rates would rise 3 percentage points in three years. What should the average consumer make of all this economic commentary? Here’s who wins and loses.

Five years ago, Europe’s leaders faced a single dominant threat in the euro crisis. Thanks to the resilience of Europeans, Germany’s determination to keep things on track and the pledge from Europe’s central banker to stabilize the euro zone by any means necessary, that crisis was resolved. But in 2016, Europe will face a much wider variety of problems — without the unifying sense of crisis needed to forge collective action.