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A study of how things are exchanged via the money systems and including what we understand about ‘money’. Commercial transactions and the origin of credit and how it is created, as well as an extensive study of the use of negotiable instruments, such as promissory notes and bills, are used in commerce, and how such instruments can be applied today in alternative money systems. These are exposed to the idea of redemption from the current world money systems. References to authors, articles and websites used as sources are included as footnotes for further reading and study.