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Greco, Jr.O  =2GCreating Complementary Currencies To Improve and Empower Communities  H   ."'Common Problems of Community Economies RLocal producers are forced to compete with outside producers that are subsidized, enjoy political privilege, or are not required to play by the same rules. Terms of trade are dictated by outside buyers or sellers who dominate markets. Money that comes in, goes quickly out again. Resources and wealth are siphoned off by absentee owners. $RZZS=/A Rising Tide May Lift All Boats, But & The Tidal Wave of Globalization Smashes All but the Biggestg*=| >01%9How to Insulate, but not Isolate, the local economy to: X:ff fff0fReduce exploitation, Enhance economic vitality, Enable self-determination, and Optimize the community's standard of living and quality of life?  0Z2$3':There Is A Fundamental Need For Exchange Mechanisms that: ~Enable all desirable trades, Reduce business costs, Favor local suppliers, and Enable community control over its own economy.(|u5)Liberating ExchangeXTwo Synergistic Approaches: Mutual Credit Clearing Exchanges Complementary Currencies x!$$"   4(TMutual Credit Associations and Community Currencies Provide Exchange Media That Are:jAbundant Community controlled Democratically allocated Interest-free Self-adjusting Stable and Sustainablekj!=Official Money Spent Quickly Flows Out of the Local Community>>($"CCommunity Currency Credits Re-circulate Within the Local CommunityDD( 6*+What is a Mutual Credit Clearing Exchange?An association of buyers and sellers that provides for the direct settlement of bills due to one another, reducing or eliminating the need to use money as an intermediary payment medium. It enables bills to be paid without the use of money.2;ff6f7+How Does Clearing Work?nUltimately, goods and services pay for other goods and services; Money is just an intermediary device that can be dispensed with. When you sell something, your account balance is credited (increased); when you buy something, your account balance is debited (decreased). Remaining balances may be settled at periodic intervals, or may be carried over indefinitely. @oZ "3&3/";-"Toward A Healthy Community EconomyMutual Credit Clearing A group of businesses and/or local government entities can organize into a mutual credit clearing association to enable cashless trading among themselves.:,@1+Advantages of a Limited (Local) CirculationCurrency credits must return to the issuer(s) for redemption. For this reason they are captive within the local economy and will not stray very far. Their recirculation within the local area provides a built-in  buy local bias, which stimulates the entire local economy. They give local sources of supply preference over external sources. XX# An ExampleSuppose $100,000 worth of community currency credits are spent into circulation by the associated businesses. That means that their collective cash expenditures have been reduced by $100,000. That $100,000 remains in the community instead of flowing out to pay for imports.*nff$An Example - 2If the turnover is 10 times a year, that means $1 million in additional local sales. If the rate of profit on sales is 20%, that will result in additional yearly profits of $200,000. %An Example - 3Further, the issuance of community currency credits will have enabled some interest-bearing debt to be retired. If the interest rate on debt is 10%, the businesses will save cash interest costs of $10,000 each year. Every dollar s worth of community currency credit issued means one less dollar that needs to be borrowed, and one less dollar that needs to be spent.>pi&'( 5In What Form Do Community Currency Credits Circulate?66(Credits Can Have Various Manifestations As paper notes or tokens Circulate hand-to-hand As account balances that can be transferred via: Checks Swipe cards -- Debit cards Smart cards or electronic wallets Online transfersn(ZZZ1ZUZ(1U <.,!l<A Community Currency Is:  gSpent Into Circulation By Local Businesses Based on their Ability Produce Valuable Goods and Services h R,   :  m= Community currency provides an alternative means of financing that is: Available in sufficient supply Locally created and controlled Interest-free Does not depend on the banks, the Federal Reserve or the government. Enables business to thrive on a smaller supply of scarce official money. Enables the sale of (excess) productive capacity. Enables local businesses to employ more of the locally available labor, skills, and resources. TGZLZZZGL  B2Examples and Precedents$USA, 1930 s Depression Scrip (hundreds of kinds issued by businesses and local governments) Argentina, 2003 Provincial Currencies (up to 20 kinds in circulation) Trueque Notes (community currencies - about 100 types in use)Et  P  0C3Provincial Currencies$Since the mid-1980 s, due to the lack of sufficient federal currency, many of Argentina s 24 provinces issued their own currencies to meet their liquidity and budgetary needs. By 2003, 20 provinces had issued provincial currencies of various types. The province of Mendoza issued treasury notes backed by their oil royalties. The province of Buenos Aires issued notes totaling one billion pesos. ZE5+People Begin to Create Their Own Solutions,,$The first  barter club in Argentina was started in 1995 by 3 professionals seeking to create better social, economic and environmental conditions. Within two years, other  trueque clubs sprung up around the country, and began to organize into a network called Red Global de Trueque. Trueque clubs issued their own currency --credito notes.VXZ r,G7/A Successful Mutual Credit Clearing Association00K8Stages of Implementation Organize a mutual credit clearing circle comprised of  trusted (business) members having overdraft privileges. Accept to membership diverse other participants who are not given overdraft privileges to begin with. Persuade non-member local merchants to be currency users willing to accept and spend the currency that is issued jointly by the members of the mutual credit clearing circle. ,ZL9Stages of ImplementationdWhen the mutual credit clearing circle is functioning smoothly and the complementary currency has been widely accepted by the community, ease the restrictions on membership and extend the issuance privilege (overdraft privilege) to more members, But determine credit limits on the basis of recent sales history and inventories of goods offered for sale. XlPcM: Operate the System as a Business!!(Charge fees that are sufficient to cover the costs of operation. Some fees will necessarily be cash fees needed to cover unavoidable cash expenses. Administrative and sales personnel should be paid, but a portion of their salaries may be paid in the community currency. All salaries should be paid out of revenues generated from service fees. System account deficits should be avoided or strictly limited.PN;Additional Information SourcesMoney: Understanding and Creating Alternatives to Legal Tender, by Thomas H. Greco, Jr. Explore the website: http://www.ReinventingMoney.com To$>""""ff  0r/-8?FHOPQR S T U V WXYZ[\]^_`abcfghi j!k"n#o$   0` 33` Sf3f` 33g` f` www3PP` ZXdbmo` \ғ3y`Ӣ` 3f3ff` 3f3FKf` hk]wwwfܹ` ff>>\`Y{ff` R>&- {p_/̴>?" dd@,f?dd@ "   @ ` n?" dd@   @@``PR    @ ` ` p>> L0 "(    6S  `}  X Click to edit Master title style!!    0x#,   `  RClick to edit Master text styles Second level Third level Fourth level Fifth level!    S    0T  ^ ` @  Z*    0ҁ ^    T*     0^ ^ `   T*   H  0޽h ? 3f3ff80___PPT10.,` ] Default Design 0  (     0c  P   c  T*     0c     c  V*   d  c $ ?  c   0Lc   0 c  RClick to edit Master text styles Second level Third level Fourth level Fifth level!    S    6c  _P  c  T*     6Tc  _  c  V*   H  0޽h ? 3380___PPT10./Q 0 L0  n(  r  S \c   c    0c  @  \Thomas H. Greco, Jr.(2   V  0޽h ?"` 33___PPT10i.,]+D='  = @B +j  0 L0 `\(  x  c $c @`  c    c $c  <$  0 c  H  0޽h ? ff3D3f.&___PPT10.+;D '  = @B Da ' = @BA?%,( < +O%,( < +D ' =%(D' =%(Dp' =A@BBBB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-o6Bwipe(up)*<3<*D ' =%(D' =%(Dp' =A@BBBB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-o6Bwipe(up)*<3<*D ' =%(D' =%(Dp' =A@BBBB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-o6Bwipe(up)*<3<*D ' =%(D' =%(Dp' =A@BBBB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*R%(D' =-o6Bwipe(up)*<3<*R+8+0+0 +  0L0  P,(  ,x , c $B P   c  H , 0޽h ? ff3D3fy___PPT10Y+D='  = @B +H 0 L0d November 2, 2004 (Thomas H. 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ff3D3f___PPT10x.+&D' vc = @B D' = @BA?%,( < +O%,( < +D{' =%(D#' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<* %(D' =+4 8?dCB1+#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<* D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<* D{' =%(D#' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<* %(D' =+4 8?dCB1+#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<* D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<* D{' =%(D#' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*7%(D' =+4 8?dCB1+#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*7D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*7D{' =%(D#' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*7E%(D' =+4 8?dCB1+#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*7ED' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*7ED{' =%(D#' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*ET%(D' =+4 8?dCB1+#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*ETD' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*ETD{' =%(D#' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*Tk%(D' =+4 8?dCB1+#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*TkD' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*Tk+8+0+0 +   0 L0 '  0  (  x  c $o`  `  `    c $p` pp<$ 0 `  X2  0̙ 0@B  0D>`p0 ,$D  0B  0D>`  ,$D  0l  0  0  ,$D 0fB   6 0    68t`  PGV  B Local Vendor (2 Bl 0    0 ,$D 0   Bz` 0   .D   6}` `  TLocal Business or Municipality(2Bl @  @ ,$D  0`B  0D>0 @   08`  0  3$l @P  P @,$D 0fB  6f@P   0`    FNon-Local Vendor(2BH  0޽h ? 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B )8@  fD3Ԕ??` ,$D  0B *8@  fD3Ԕ??0 ,$D  0B +8  fDԔ??@  ,$D  0B ,8  fDԔ?? @,$D  0 -8 0x  0,$ 0 QMember - Non-Issuers 0 2 .8 ZԔ??,$@ 0H 8 0޽h ? ff3D3f\HTH___PPT104H.+vy D,G'  = @B DF' = @BA?%,( < +O%,( < +D- ' =%(D' =%(D3' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =-o6Bdissolve*<3<*8D' =%(Dp' =A@BB BB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =-o6Bdissolve*<3<*8D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =A@BBBB0B%())))?D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*.8%(D' =A@BBBB0B%())))?D' =1:Bvisible*o3>+B#style.visibility<*-8%(D' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*8D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*8Dp' =A@BB BB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =-o6Bdissolve*<3<*8D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*8D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*8D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*8D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*8D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*8D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*8D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*8D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*8D' =%( D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*8D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*8D' =%( D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*8D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*8DG' =%(D' =%(Dc' =4@BBBB%()))D' =1:Bvisible*o3>+B#style.visibility<**8%(D' =-o6Bwipe(up)*<3<**8D' =%(Dg' =4@BBBB%()))D' =1:Bvisible*o3>+B#style.visibility<* 8%(D' =-s6Bwipe(left)*<3<* 8D' =%(Dg' =4@BBBB%()))D' =1:Bvisible*o3>+B#style.visibility<* 8%(D' =-s6Bwipe(left)*<3<* 8D' =%( Dg' =4@BBBB%()))D' =1:Bvisible*o3>+B#style.visibility<*8%(D' =-s6Bwipe(left)*<3<*8D' =%(Dg' =4@BBBB%()))D' =1:Bvisible*o3>+B#style.visibility<* 8%(D' =-s6Bwipe(down)*<3<* 8D' =%(|Dg' =4@BBBB%()))D' =1:Bvisible*o3>+B#style.visibility<*+8%(D' =-s6Bwipe(down)*<3<*+8D' =%(XDc' =4@BBBB%()))D' =1:Bvisible*o3>+B#style.visibility<*)8%(D' =-o6Bwipe(up)*<3<*)8D' =%(LDg' =4@BBBB%()))D' =1:Bvisible*o3>+B#style.visibility<* 8%(D' =-s6Bwipe(down)*<3<* 8D' =%(4!Dg' =4@BBBB%()))D' =1:Bvisible*o3>+B#style.visibility<*,8%(D' =-s6Bwipe(down)*<3<*,8++0+80 ++0+80 ++0+80 ++0+-80 +  0 L0 `\(  x  c $  `P     c $ `<$  0   H  0޽h ? 3f3ffr j ___PPT10J .(PH+;D '  = @B D ' = @BA?%,( < +O%,( < +D' =%(D' =%(D@' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*>%(D' =-o6Bwipe(up)*<3<*>D' =%(D' =%(D@' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*>%(D' =-o6Bwipe(up)*<3<*>D' =%(D' =%(D@' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-o6Bwipe(up)*<3<*D' =%(D' =%(D@' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*W%(D' =-o6Bwipe(up)*<3<*W+8+0+0 +F   0 L0 \(  x  c $T  `}     c $  `<$ 0   H  0޽h ? 3f3ff  ___PPT10 .Y8+ D~ '  = @B D9 ' = @BA?%,( < +O%,( < +D ' =%(D' =%(Dp' =A@BB BB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*n%(D' =-o6Bdissolve*<3<*nD ' =%(D' =%(Dp' =A@BB BB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*n%(D' =-o6Bdissolve*<3<*nD ' =%(D' =%(Dp' =A@BB BB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*%(D' =-o6Bdissolve*<3<*+8+0+0 +   0 L0 \(  x  c $Έ  `}     c $ψ  `<$ 0   H  0޽h ? 3f3ff___PPT10.Y8+=D'  = @B D' = @BA?%,( < +O%,( < +D' =%(D' =%(DT' =A@BBB B0B%(D' =1:Bvisible*o3>+B#style.visibility<*U%(D' =-6B'blinds(horizontal)*<3<*UD' =%(D' =%(DT' =A@BBB B0B%(D' =1:Bvisible*o3>+B#style.visibility<*U%(D' =-6B'blinds(horizontal)*<3<*U+8+0+0 +   0 L0 \(  x  c $ވ  `}     c $߈ ` `<$ 0   H  0޽h ? 3f3ff  ___PPT10 .Y8+=D* '  = @B D ' = @BA?%,( < +O%,( < +D' =%(D' =%(DT' =A@BBB B0B%(D' =1:Bvisible*o3>+B#style.visibility<*p%(D' =-6B'blinds(horizontal)*<3<*pD' =%(D' =%(DT' =A@BBB B0B%(D' =1:Bvisible*o3>+B#style.visibility<*p%(D' =-6B'blinds(horizontal)*<3<*pD' =%(D' =%(DT' =A@BBB B0B%(D' =1:Bvisible*o3>+B#style.visibility<*o%(D' =-6B'blinds(horizontal)*<3<*o+8+0+0 + 0L0  c(  LB  c $DppLB  c $Dp@ @   0 p] 4 0(2   0  P @ BAssets 0(2  0   `@ G Liabilities 0(2   0   `&Cash Other current assets Fixed assets'0 2'  00  T  VNotes payable Other current liabilities Bonds outstanding Other long-term debt Surplus.W0 2:f  c $x    RTypical Balance Sheet   H  0޽h ? 3|y___PPT10Y+D='  = @B +  0L0 /' (  LB  c $DppLB  c $Dp@ @   0 p] 4 0(2   0  P @ BAssets 0(2  0%   `@ G Liabilities 0(2   0|(   `&Cash Other current assets Fixed assets'0 2'[  0)    YCurrency credits in circulation Bonds outstanding (reduced) Other long-term debt Surplus 00Z2Z00Z2 GGfC GC  c $d5     SPossible Balance Sheet   H  0޽h ? 3|y___PPT10Y+D='  = @B +}2  0 L0 \(  x  c $A  `}     c $B   <$  0   H  0޽h ? 3f3ffA090___PPT100. +AD/' C = @B Dp/' = @BA?%,( < +O%,( < +D$' =%(D' =%(Dt' =A@BBBB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*(%(D' =-s6Bwipe(left)*<3<*(D ' =%(DZ ' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*(A%(D#' =+4 8?nCB!#ppt_x-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*(AD' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*(AD' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*(AD' =+4 8?\CB#ppt_hBCB#ppt_hB*Y3>B ppt_h<*(AD' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*AX%(D#' =+4 8?nCB!#ppt_x-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*AXD' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*AXD' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*AXD' =+4 8?\CB#ppt_hBCB#ppt_hB*Y3>B ppt_h<*AXD' =%(Di' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*X%(D#' =+4 8?nCB!#ppt_x-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*XD' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*XD' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*XD' =+4 8?\CB#ppt_hBCB#ppt_hB*Y3>B ppt_h<*XD' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D#' =+4 8?nCB!#ppt_x-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*D' =+4 8?\CB#ppt_hBCB#ppt_hB*Y3>B ppt_h<*D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D#' =+4 8?nCB!#ppt_x-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*D' =+4 8?\CB#ppt_hBCB#ppt_hB*Y3>B ppt_h<*D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D#' =+4 8?nCB!#ppt_x-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*D' =+4 8?\CB#ppt_hBCB#ppt_hB*Y3>B ppt_h<*D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*%(D#' =+4 8?nCB!#ppt_x-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*D' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*D' =+4 8?\CB#ppt_hBCB#ppt_hB*Y3>B ppt_h<*+8+0+0 +L 0 L0d November 2, 2004 (Thomas H. Greco, Jr. @15( (  (z `` ( ``,$D 0` ( 0`` ( 0h`  1 PBusiness or Municipal Issuer(2z ` ( `,$D 0`2 ( 0` ( 0e  CWorkers Suppliers(2 ( 0xj } 5CC=notes or credits G&S=goods and services D6 2 RB  ( s *Dff) @ RB  ( s *D> P  z  p   ( p  ,$D 0`B  ( 0Dff)     ( 0tr  p# 8CC8F2z P ( P,$D  0`B ( 0D>P ( 0v ` @ QLabor, services, supplies(2l 0   3(0  ,$D   0fB ( 6D>0   ( 6{    ;G&S(2z  0 (  0,$D 0`B ( 0 0 ( 0 P  = Merchants (2 B ( s *D@ @ ,$D   0B ( s *D ,$D  0z  0  (  0 ,$D  0`B ( 0Dff) 0  ( 0 S  9CC 8F2z p`0`  ( `p0` ,$D  0fB  (B 6Dff)p``  !( 0  0  :CC 8F2B "( s *D@ p ,$D   0B $( s *D 0 ,$D   0B %( s *D @ ,$D  0z    &(  ,$D 0`R '( 0  p `R (( 0 p @ `R )( 0 0  `R *( 0 ` `R +( 0 P `R ,( 0  P `R -( 0 `R .( 0 p B /( s *D P ` ,$D   0B 0(@ s *D ,$D 0B 1(@ s *D P ,$D  0l ` `@  4(`` @ ,$D  0fB (B 6D> `@  2( 0 ` p ;G&S(2= 5( 6<  p UIssuance and Circulation of Currency Credits Currency credits spent into circulationfV$'V ( 0޽h ?"` 3f3ff\1T1___PPT1041.9P+KD1'  = @B D0' = @BA?%,( < +O%,( < +D ' =%(%(D' =%(D3' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*(%(D' =-o6Bdissolve*<3<*(D' =%(D3' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*(%(D' =-o6Bdissolve*<3<*(D' =%(D3' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*(%(D' =-o6Bdissolve*<3<*(D' =%(pD3' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*&(%(D' =-o6Bdissolve*<3<*&(D' =%(D' =%(D9' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<* (%(D' =-u6Bwipe(right)*<3<* (D' =%(D7' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*(%(D' =-s6Bwipe(left)*<3<*(D,' =%(D' =%(D3' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*(%(D' =-o6Bwipe(up)*<3<*(D' =%(D7' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*3(%(D' =-s6Bwipe(down)*<3<*3(D' =%(D7' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*$(%(D' =-s6Bwipe(down)*<3<*$(D' =%(D7' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*(%(D' =-s6Bwipe(down)*<3<*(D' =%( D7' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*"(%(D' =-s6Bwipe(left)*<3<*"(D' =%( D3' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*/(%(D' =-o6Bwipe(up)*<3<*/(D' =%( D3' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*1(%(D' =-o6Bwipe(up)*<3<*1(D' =%(D9' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*0(%(D' =-u6Bwipe(right)*<3<*0(D' =%(D7' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*%(%(D' =-s6Bwipe(down)*<3<*%(D' =%(D7' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*(%(D' =-s6Bwipe(down)*<3<*(Dz' =%(D' =%(D7' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*(%(D' =-s6Bwipe(down)*<3<*(D' =%(D3' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*4(%(D' =-o6Bwipe(up)*<3<*4(+  0 L0   @ 5 (  ^  6    6̷     SBusiness or Municipal Issuers(2  0ļ    x&The amount of currency credits in circulation at any time (the level in the  tank ) is determined by the relative rates of issuance and redemption.6(2;BFBBRB  s *DԔp00 RB  s *DԔ 0 RB  s *DԔp ^  60   6<Ĺ `p  VCurrency Credits Outstanding8F2B^  6` X  0 @ 0X  0 @ PRB  s *D>P F `   ` f  6` `  0 @ 0`  0 @ PZB  s *D> P F P0   P0 r B B>G5Hy P `  0 p P ZB  s *D> P `  0 p 0   0\͹ p >Issuance (2 B  0Xѹ P p  @ Redemption (2 BH  0޽h ? 3f3ff___PPT10i.^ڶ+D='  = @B +< # 0 L0 0$(  r  S   `}   r  S p PP    H  0޽h ? 3f3ff80___PPT10.apV $ 0 L0 @(  r  S      H  0޽h ? 3f3ff80___PPT10.a|H  0 L0 <6(  <~ < s * @   x < c $ P   H < 0޽h ? 3f3fy___PPT10Y+D='  = @B +  0 L0 @r(  @ @  0 & }   x @ c $ 0   . @  A`` rH @ 0޽h ? 3f3fy___PPT10Y+D='  = @B +  0 L0 H<(  H H  0\- P   x H c $.     H H 0޽h ? 3f3fy___PPT10Y+D='  = @B +  0 L0 "T(  T T C 6A WIRBank-logo_1` ,$D 0 T c $E `<$ 0   4 T 04G Z,$  0 <The WIR business circle cooperative (Wirtschaftsring) was founded in Switzerland in 1934 as an answer to the money scarcity of the Great Depression, and still thrives after 70 years. Membership, at first completely open, was later restricted in order to build solidarity among the  entrepreneurial middle-class. A balance between ideology, adaptability, and good business sense has enabled its long-term success.:0 2 ffeH T 0޽h ? 33f}___PPT10]+ŽD'  = @B D' = @BA?%,( < +O%,( < +Ds' =%(%(D' =%(D@' =A@BB BB0B%(D' =1:Bvisible*o3>+B#style.visibility<*T%(D' =-o6Bdissolve*<3<*TD' =%(D3' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*T%(D' =-o6Bdissolve*<3<*TD' =%(Dp' =A@BBBB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*T%(D' =-o6Bwipe(up)*<3<*TD ' =%(D' =%(Dp' =A@BBBB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*T:%(D' =-o6Bwipe(up)*<3<*T:D ' =%(D' =%(Dp' =A@BBBB0B%()))D' =1:Bvisible*o3>+B#style.visibility<*T:%(D' =-o6Bwipe(up)*<3<*T:+p+0+T0 ++0+T0 +  0 L0  d:(  dr d S h  `}    d S n     "p`PpH d 0޽h ? 3f3ff___PPT10i.OPfA+D='  = @B +   0 L0 0hN(  hx h c $v  `}    h c $lw  `   *mMH h 0޽h ? 3f3ff___PPT10i.OPfA+D='  = @B + ! 0 L0 @l$(  lr l S   `}   r l S T  `   H l 0޽h ? 3f3ff___PPT10i.!p+D='  = @B + " 0 L0 Pp$(  pr p S c  `}  c  r p S ̊c PP`  c  H p 0޽h ? 3f3ff___PPT10i."7 +D='  = @B +! 0 jbP(  ^  S     \  c $dٹ   0   If the rate of issuance exceeds the rate of redemption, the amount of credits in circulation will increase; if the rate of issuance is less than the rate of redemption, the amount of credits in circulation will decrease.H  0޽h ? 3380___PPT10.b=j" 0 D<p(  ^  S     c 6  c $ `   @  c  This is essentially a process of colonization. It is most notable in international trade, but also applies to internal relationships between communities and global corporate players.H  0޽h ? ̙330 0 p4@(  4^ 4 S     `  4 c $ `   @  `  6"Waianea, Hawaii small boat harbor.H 4 0޽h ? ̙333 0  L(  LX L C      L S )   0   Mendoza - a total of $150,000,000 in notes called PETROM. They expire on March 30, 2007 and will be redeemed for 135% of its face value. H L 0޽h ? 3380___PPT10.KK7 0 Xd(  X^ X S      X c $c   @   ZFThe standards applied in granting credits were often far too lenient. H X 0޽h ? ̙33  0 `(  X  C     c   S Gc   0  c   H  0޽h ? 3380___PPT10.a\ / 0 p(  X  C     c   S pg  0  c   H  0޽h ? 3380___PPT10.a \ % 0 (  X  C     `   S 6`   0  `   H  0޽h ? 3380___PPT10.ap\ ' 0 (  X  C     `   S G`   0  `   H  0޽h ? 3380___PPT10.a5\ ) 0 (  X  C     `   S W`   0  `   H  0޽h ? 3380___PPT10.a5\ ( 0 (  X  C     `   S xm`   0  `   H  0޽h ? 3380___PPT10.a0\  0 (  X  C     `   S `   0  `   H  0޽h ? 3380___PPT10.aB\  0 (  X  C       S `   0  `   H  0޽h ? 3380___PPT10.aB\ * 0 (  X  C     `   S `   0  `   H  0޽h ? 3380___PPT10.aP\ + 0 (  X  C     `   S T`   0  `   H  0޽h ? 3380___PPT10.a\ - 0 (  X  C     `   S `   0  `   H  0޽h ? 3380___PPT10.aP]\ , 0 (  X  C       S M   0    H  0޽h ? 3380___PPT10.aP]\ 1 0  (  X  C       S 8   0    H  0޽h ? 3380___PPT10.aP]\  0 0(  X  C       S    0    H  0޽h ? 3380___PPT10.a\  0 @(  X  C       S D̈   0    H  0޽h ? 3380___PPT10.a\  0 P(  X  C       S ܈   0    H  0޽h ? 3380___PPT10.a\  0 `(  X  C       S    0    H  0޽h ? 3380___PPT10.a0\  0 p(  X  C       S    0    H  0޽h ? 3380___PPT10.a0\  0 (  X  C       S (   0    H  0޽h ? 3380___PPT10.aw\   0 (  X  C       S  \   0    H  0޽h ? 3380___PPT10.aw\ . 0 (  X  C       S    0    H  0޽h ? 3380___PPT10.ap\ 2 0 (  X  C       S    0    H  0޽h ? 3380___PPT10.a\ 5 0 (  X  C       S B   0    H  0޽h ? 3380___PPT10.a@\ 8 0 (  X  C       S Lv   0    H  0޽h ? 3380___PPT10.a\ 9 0 (  X  C       S L   0    H  0޽h ? 3380___PPT10.a0[\ : 0 (  X  C       S P   0    H  0޽h ? 3380___PPT10.a0[\ ; 0  (  X  C       S    0    H  0޽h ? 3380___PPT10.a\ < 0 P(  X  C       S    0    H  0޽h ? 3380___PPT10.qP = 0 `(  X  C       S    0    H  0޽h ? 3380___PPT10.qЭrL0CBS,M!GJ,6CLJtQ,0 7V1x3`]v":p>2fhæB BE@ K[  !#2%F'Z)n+-/13579<">6@JBf^DrFHJLNPR7TowOh+'0 `hx  Slide 1TomTom85Microsoft Office PowerPoint@w@Ek,@±qNG g  ~-  y--$xx--'@Arial-. f2 =Creating."System3-@Arial-. f-2 (Complementary Currencies .-@Arial-. f 2 4JTo .-@Arial-. f%2 @Improve and Empower .-@Arial-. f2 K3 Communities .-@Arial-. %2 a8Thomas H. Greco, Jr..-՜.+,D՜.+,\    On-screen ShowCIRC"" &Arial WingdingsTimes New RomanDefault DesignHCreating Complementary Currencies To Improve and Empower Communities (Common Problems of Community Economies gA Rising Tide May Lift All Boats, But The Tidal Wave of Globalization Smashes All but the BiggestSlide 4:How to Insulate, but not Isolate, the local economy to: ;There Is A Fundamental Need For Exchange Mechanisms that: Liberating ExchangeUMutual Credit Associations and Community Currencies Provide Exchange Media That Are:>Official Money Spent Quickly Flows Out of the Local CommunityDCommunity Currency Credits Re-circulate Within the Local Community,What is a Mutual Credit Clearing Exchange?How Does Clearing Work?#Toward A Healthy Community Economy'Mutual Credit Issuance and Circulation"Currency Issuance and Circulation,Advantages of a Limited (Local) Circulation An ExampleAn Example - 2An Example - 3Typical Balance Sheet Possible Balance Sheet 6In What Form Do Community Currency Credits Circulate? Slide 23 Slide 24A Community Currency Is: Slide 26Examples and PrecedentsProvincial Currencies,People Begin to Create Their Own Solutions0A Successful Mutual Credit Clearing AssociationStages of ImplementationStages of Implementation!Operate the System as a BusinessAdditional Information Sources  Fonts UsedDesign Template Slide Titles" 8@ _PID_HLINKSA|!http://www.reinventingmoney.com/_RV0TomTom  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijlmnopqrtuvwxyz|}~Root EntrydO)Picturesj|Current User{SummaryInformation(kPowerPoint Document(vVDocumentSummaryInformation8s