|Dear Friends of the
Here is our 2012 Conference brochure and schedule. Photos,
of speakers are presented
first; the actual schedule of their speaking times will be added later.
Additional outstanding speakers are being confirmed now.
times of presentations are of
course subject to adjustment...
Congressman Dennis Kucinich
has reintroduced HR 2990 which
reforms our money system on
the lines advocated by the AMI. It turns
a corrupt private debt system based on privately created
debt into a
government money system based on government created money. He will
present at this
conference if the Congressional schedule allows.
Dr. Michael Kumhof, the Deputy Division Chief of the Modeling Division
of the Research Department
Monetary Fund (the IMF) has completed a study
of the Chicago
on which HR 2990 is based, using modern computerized techniques,
and has come to some highly
These will be the
subject of talks and panel discussions featuring Dr. Kumhof at the
Several talks will focus on
what HR 2990 will do for America; how we can get existing
and unions to support it, and can help get it passed
law, including; how we will get it
introduced in the next Congress. This involves overcoming some of the
prevalent psychological pessimism
purposely spread by various cults.
by false people and false economic and monetary ideas,
now pose a
clear and present danger to the survival of the species. History
demonstrates they don't learn
from their mistakes. Therefore we must
transform the disaster they created
opportunity to achieve real and lasting reforms for humanity.
focus on why a moral approach is at the heart of successful reform. To
those who still support
the falsehood of using debt in place of money,
whether issued privately or by state owned banks
doing the same thing,
and dumping more debt onto our economy, we say
doing destructive nonsense - Learn to do good!"
There is no excuse to
miss this opportunity to
reform an obviously flawed monetary system,
in favor of the status quo.
Stephen Zarlenga presents
Purpose, Objectives and Methodology
and co-founder of the American
Monetary Institute in 1996; author of The Lost Science of
Money book; and the Refutation
Theory of the Origin of Money; a Critique of A. M. Innes
debt in place of money, and Greening the Dollar,
his presentation at the U.S. Green Party's July 2007 National
Convention is available at our homepage);
articles and speeches; presents the background; objectives; methodology
of the AMI and the Conference agenda and
goals. An overview of what the AMI has
accomplished since its founding in 1996, how we worked with Congressman
Dennis Kucinich to get HR 2990 introduced, and our
challenges and plans for the future.
Elizabeth Kucinich will
for Monetary Reform
Elizabeth Kucinich addresses our conference on Thursday,
September 20th. She has been a key supporter in Washington, DC, helping
husband Dennis Kucinich, 7th term Congressman from Cleveland's 10th
District, to introduce the historic monetary reform, HR 2990, the NEED
Act (National Emergency Employment Defense Act). She
participated with Dennis in his 2008 run for the Presidency of the
United States of
America. Hopefully Dennis will also address our group later in the
conference, and he has agreed to do so on a provisional basis, subject
to the Congressional schedule.
Michael Kumhof speaks on
A Modern Evaluation of the "Chicago Plan"
Kumhof is the Deputy Division Chief , of the modeling Division, of the
Research Department of the
International Monetary Fund.
He will address the conference on the important results of his
"modelling" (mathematically predicting the results) of the Chicago Plan
proposal of the 1930s, when applied to the modern U.S. financial system
(data through 2006).
"We study these claims by embedding a comprehensive and carefully
calibrated model of the banking system in a DSGE model of the U.S.
economy," notes the paper. This is the first time that such an exercise
has been done!
The Chicago Plan was designed and promoted by our best
economists in the 1930s (Henry Simons, Irving Fisher, Douglas, et al), to get our
nation out of the Great Depression. The Chicago Plan is the
precursor and model of both the American Monetary Act, and
Congressman Kucinich's "NEED Act" (National Emergency
Employment Defense Act), presently introduced in the 112th Congress as
Keen is coming in from Australia to
How Central Banks and Banking
Systems Really Work
Top Australian monetary
Steve Keen who won the
inaugural (Paul) Revere Award for giving an early warning
(2005) of the present debt-deflation collapse. He
has built a growing reputation
as a rare deep thinker on how monetary systems really work, not
just how the central banks say they work.
Thus his blog has over 50,000
followers. Keen is a must-see
for theorists and investors involved in markets of all types, including
is Associate Professor, School of Economics & Finance, University
of Western Sydney, Australia. In December
2005, drawing on
theoretical paper, and convinced that a financial crisis was fast
approaching, Keen went high-profile public with his analysis and
predictions. He registered the webpage www.debtdeflation.com
to analyzing the “global debt bubble”, which soon attracted a large
Yamaguchi will again travel from Japan to present his continuing
Economic Modelling of
the American Monetary Act
Yamaguchi has continued to refine
advanced modelling system to project how HR 2990 will achieve
monetary reform. He concluded it will: pay off the US
national debt as it comes due; provide the funding for infrastructure,
which solves the unemployment problem; and does these things without
Yamaguchi heads the System Dynamics Group of the Doshisha Business
School at Doshisha University in Kyoto Japan. He presented his macroeconomic model on the to a plenary session of
the System Dynamics International Conference in Seoul (2010), being
by more than 300 researchers. It was so well received that on July
26th, the same International Conference asked him to speak on
this matter again, at their meeting in Washington, DC.
Then Prof. Yamaguchi
also made a well received briefing to a packed room at the
Cannon House Office Building in Washington DC, to
congressional aides. This year
he presents his updated study of the American Monetary Act, which also
revisits the 1930s Chicago Plan.
Michael Clark speaks on
International Ramifications of Monetary
T. Clark was a senior advisor to the President of the Sixty -third
Session of the United Nations General Assembly (2008-9)and helped
co-ordinate the intergovernmental negotiations for the outcome of the
2009 United Nations Conference on the World Financial and Economic
Crisis and its impact on Development. He later joined the
staff of U.S. Representative Dennis Kucinich (D-OH) where he assisted
with the final drafting of the
NEED Act, (National Emergency Employment Defense Act) prior to its
Dr. Clark will focus on the international dimensions of the effort to
achieve systemic reform of the international monetary and
financial system, including how the IMF structure and operating
procedures may be revamped to become a positive factor in monetary
Hudson speaks on
Crises: Debts That Can't
Paid, Won't be Paid!
Imperialism and Global Fracture;
editor, Debt and
Economic Renewal in the
Ancient Near East; economic commentator for National Public
Radio; distinguished Professor of Economics, University of Missouri,
and Chief Economic Advisor to the 2008 Kucinich for President campaign.
Hudson was the first to
identify the mechanism of "Dollar Imperialism" through the U.S. balance
of payments deficits. Always sharp and on target, just before the
conference Prof. Hudson will have
returned from a trip to Russia and his
talk will also focus on the coming momentous and timely monetary
developments in Europe.
Tideman will speak on
Money, Land and Justice
his Ph.D. from the University of Chicago (where he studied under
Friedman and others); taught at Harvard and served as Senior Staff
at the President’s Council of Economic Advisors at the White House,
before moving to
in 1973. He has been Professor of Economics
there since 1985. While
his research has
focused primarily on urban economics, public finance, voting rules and
justice, in 1975 he collaborated with Nobel Laureate James Buchanan in
on “Gold, Money and the Law.” Last year his topic is Dealing with Concern
for the Possible Collapse of the
American Monetary Institute. Note - neither the AMI nor Prof. Tideman
is predicting or expecting a collapse of the Dollar. This year, Nic a leading "Georgist" in America, will
speak on Money, Land and Justice.
Ed Stuart speaks on
Policy as Servant Not Master
The current state of monetary policy and financial
institution structure has turned the means and ends of macroeconomic
upside down. Policy should be in the service of social goals and
of those goals, are written in the Employment Act of 1946 and
specify what the economy should be trying to achieve. In the current
"economic culture" of the U.S.A. and other advanced
economies, goals seem to be financial sector enlargement and profits.
policy and financial institutions have nearly unquestioned carte
pursue the ends of a small, and highly compensated, sector of the
What's needed is not only financial reform and structural change but a
fundamental rethinking of social goals and economic culture.
Dr. Edward F.
Stuart is Professor of Economics and
International/ Intercultural Studies at Northeastern Illinois University (NEIU). He instructs
classes in Macroeconomic Theory, International Economics, and The
Economics of the
European Union, European Economic History, and Comparative Economic
Northeastern Illinois University where he has been a member of the
Department faculty since 1986.
Poteat speaks on
for Monetary Reform
Poteat is one of America's most knowledgeable, reality based experts on
money system. A long term and meticulous monetary researcher,
certainly among the top half dozen in America in awareness of monetary
systems, and the leader of AMI's Northwest Chapters. Money has ceased
to be a just means of exchange, if it ever was, and
has become, or still is, a means of power and control.
eighteen years (Bank of England, 1694) of private monetization of
debt as a
monetary base has brought the world to an unsustainable level of
intellectual corruption, inequity, injustice, plunder, violence,
pollution. It is long past time to reform it.
the American Monetary Act is needed in
order to help resolve the greatest crises we now face.
Bob is a senior advisor
to the American Montary Institute, and a recipient of the AMI Lifetime
Walton speaks on
Act - Why all three elements are necessary,
they will do
a very serious money reformer from New
Zealand, will describe why all three elements of the American Monetary
Act are necessary. Those three elements of this single reform are:
Incorporation of the Federal Reserve into the U.S. Treasury;
lending accounting rules so that banks no longer create any
part of the money supply;
needed in a developing society is introduced by government
spending money into circulation on
things like infrastructure, starting with the $2.2 trillion our
engineers (ASCE) tell us is needed over the next 5 years. Also included
will be the "human
infrastructure" of education and health care. Jamie
is an experienced civil engineer, and an AMI Researcher; he wrote the
definitive expose showing why the
proposal for states to go into the banking business is a distraction
that reforms nothing, at this critical moment when reform is possible
(see Ami homepage). For the past year, Jamie has worked in
Washington in Congressman Kucinich's Office, helping with HR 2990, the
monetary reform bill.
National Emergency Powers and their
Implications for Monetary Policy
Bergman, economist and formerly an official at the
Federal Reserve Bank of Chicago,
until he became a whistleblower on improper Federal Reserve practices.
Well that ended his career at the Chicago Fed! Last
year he reviewed the basic forms of
market failures, outlining the perspective of the public choice school
economics on market failure and the role of government. This year he
discuss a constitutional legal topic with important implications for
our monetary policy: The Implications
of National Emergency Powers for Monetary Policy.
Labor, Our Forgotten Cornerstone of Wealth Creation
M. Pijanowski ,
of the International
Association of Machinists and Aerospace Workers union - Local 126, is a
dynamic, highly regarded Illinois union leader, of the nationally
powerful Machinists and Aerospace workers union. Joe will focus
on a major part of our nation's problem, and the monetary solution.
One of our
most fundamental economic transactions has long ago been corrupted and
while austerity and default loom large in an era of risky financial
extreme wealth concentration, and spiraling debts. A debt free monetary
unlock a vigorous and extraordinarily stable US economy. The
restoration of this
fundamental and potent transaction is the key.
Financier speaks on
A Report on the Prospects for the Euro
Mackeprang, European Financier spoke on "Money
Systems & Warfare"
at our 2007 Conference and
will update us on the practical changes the Euro has brought since its
launch. Back then the Euro was
proclaimed "dead on arrival." Next, pundits claimed the U.S.
Dollar was the casualty, and now it is the Euro in trouble again!
it is time to get some firsthand observations. Mackeprang's book, "Money is Not Capital"
will be available, as well as his new financial novel thriller, "Unlimited Liability."
Mackeprang speaks 8 languages, has
worked in 62 countries, principally France,
Germany, Italy and Spain (Banque Rothschild and Banque de l'Union
Parisienne are some companies he has worked
with). His fascinating experiences are described in his books,
destined to become motion pictures. The life experiences it describes
American kids (20 & 30 year olds) can only dream about in today's
world - and Yes -
we shared some of those times working together in old Europe!
This year he discusses "Greece, Spain,
Italy, and the Euro."
I. Kelley discusses
The Politics of
Monetary Reform and Economic Justice
and Economic Researcher from Ohio's Cleveland area, has
witnessed firsthand the growing disparity in income and the resulting
impact on wealth over the last three decades as a Certified Financial
Planner. The issues advisor to presidential,
senatorial and congressional campaigns, Kelley is the author of two
seminal books on pensions, hundreds of articles and columns
in the financial area focusing on pensions and
Social Security. Last year he detailed how vicious
rates (over 32% annually!) were "legalized" in the U.S. and how to once
again make them illegal! Recently David discussed The Politics of
Monetary Reform and Economic Justice. This year he will discuss ways of
working toward monetary reform.
Instituted by Gerald
Duncan, British Columbia, (Long term monetary scholar), cannot travel
at this point, but will present by video, the
neglected story of Gerald G. McGeer, "father" of the Bank of Canada,
who instituted major monetary reforms on the lines of the American
Monetary Act. Canada used them successfully for decades, getting out of
the Great Depression before
the US and Great Britain. The great unrecognized importance of
that Canada is a big industrial country not a tiny island (Guernsey).
Thus the example of workability has far reaching and unignorable
consequences (except by "economists"!) for the rest of the world.
Then in the 1970s Hayekian idealogues attacked them theoretically,
with negative effect on all Canadians. Same thing they did in New
Zealand! This is why such economists love
to wallow in theory, and ignore the facts. This
factual aspect of Will's Talk is presented by video since travel is
impossible. It will
show the methodology error of economists, ignoring
the ill effect on humanity.
Will's talk, by video, will be presented by his friend Stu Hoffman.
Coleridge speaks on a crucially important theme titled
reform - HR 2990 - The Solution to Any Coming Financial Tsunami
2990 solves the potential disasters being discussed, and even
predicted, out and about on the Internet. While the dangerous
possibilities get much attention, whether deserved or not, the
solution - HR 2990, ALREADY
INTRODUCED INTO THE CONGRESS by Rep
Dennis Kucinich of Ohio, and co-sponsored by Rep John Conyers of
Detroit, does not get the attention it deserves, to both fix and
democratize the US
system! Certainly it is being ignored by the people who caused the
crisis, the media they control, and even by some progressive
elements in our society. Greg Coloridge discusses what HR 2990 will do
to repair damage and move our society towards justice. He will also
discuss why progressives can lead themselves astray through inadequate
research, jumping to faulty conclusions.
is Director of the Northeast Ohio American Friends Service Committee
(Quakers). He is on the National Steering Committee of the Move to
Amend / Campaign to Legalize Democracy Program on Corporations, Law
& Democracy (POCLAD) national collective.
Pash speaks on
Progressives Guide Macroeconomic Decision Making?
the failures of both socialism and laissez-faire, libertarian
economics," writes Mark Pash, who will highlight
those key principles. A
Financial Planner; Bachelors and Masters in Business Administration,
from UCLA and
USC respectively; served as an officer in the US Army
Quartermaster Corp. For 40 years he has helped
clients in all areas of financial planning, founding
financial organizations. Managing Director of NPB Financial
LLC; served as an officer of
various industry associations. His
unique background brings together the practical and
theoretical. Mark has been active in politics and was once a
candidate. He has politically
advocated monetary reform for almost twenty years. The title of his
talk is not merely rhetoric but will be considered.
Zarlenga spoke in 2010 on how
"Economics Has Become a
Clandestine Religion, Not a Science."
In 2011 he focused on
Chicago Plan - precursor to the American Monetary Act
This year he will discuss the severe damage caused by economists who
between money and debt; and why this is always a
formula for disaster.
world economy is wrecked by false monetary, banking and
economic theories, yet major media continues to evaluate economists'
proposals as though they know what they're doing. The
farce continues partly
because it would be scary
to admit how mismanaged the nation's economy really is! In the
Lost Science of Money we
examined how it happenned - and how Ayn Rand and her
disciple Alan Greenspan managed to bring down the world economy, with
- a bunch of words!
Last year he spoke on avoiding the mistakes made by supporters of the
1934 "Chicago Plan;" with similarities to
American Monetary Act, and HR 2990.
With the Federal Reserve System starting in 1913, the shift began away
from the error of using gold for money and towards the even worse error
of using credit/debt as money! THIS YEAR Zarlenga presents The Critique of A.
Mitchell Innes' view that money must be
debt, and the damage it has done!
AMI Panel discussion on Proposed
Act: Outline of the three main, uncompromisable elements of the act -
the minimum actions necessary to place time on the side of justice and
Robert Poteat, Steven
Walton and others will discuss The
Monetary Act and how to advance it.
Strategy for the Monetary
Brouillet has worked on monetary reform since 1993 as
an organizer, writer, speaker, and radio show host. She ran for
three times on the Green Party ticket. She has organized three
conferences on "Strategies to Transform the Global Economy." She
championed the idea of local currencies in the 1990s to raise
consciousness on how we can reinvent money to serve rather than enslave
humanity. Carol published and distributed over 7,000,000 "Deception, Conception,
and Perception Dollars" to draw attention to
these issues. She organized the San Francisco International
Inquiry into 9/11 in 2004. One of her mentors, Bill Moyer,
authored the book "Doing Democracy - The MAP Model for Organizing
Social Movements." She will discuss how social movements work,
recognizing where the monetary reform movement is at this point in
time, identifying effective strategies to advance monetary reform and
the roles that the times demand of us. The title of the talk will be
"Strategy for the Monetary Reform Movement."
Steven Walsh, AMI researcher, will speak on
How the 29,000 Strong
Chicago Teacher's Union Came to Support HR 2990
Steven Walsh, Long time Chicago educator will discuss in
detail how the Chicago Teachers Union, one of the most powerful in the
City, learned of and then came to support Congressman Dennis Kucinich's
HR 2990. He will focus on the detailed steps he took to help this come
about. All participants have some contacts
that might be developed similarly and our hope is that those who strive
for action, can benefit from his experience.
Dennis Kucinich has provisionally agreed to address our
conference if the Congressional Schedule allows. He has been at two
of our previous conferences in person and at 5 more by video and phone.
Elizabeth presents to us on Thursday.
Kucinich has become the most vocal force for monetary reform in
the Congress, and he really "gets it," down to the core. Have you
watched some of his YouTube Congressional Hearings? Link to them from
our our website at http://www.monetary.org/wp-content/uploads/2012/05/HR-2990_KucinichVideos.pdf Kucinich is the 7th
term Congressman from
Cleveland; Ranking member of House Subcommittee on Governmental Reform;
2004 and 2008 Candidate for the Presidency of the United States of
America; leading peace advocate; Introducer of Articles of
Impeachment against Bush and Cheney.
"The Necessity for
Kucinich, who with his wife Elizabeth have
Conferences, will speak on:
and the shape it should take."
This is the
Thursday September 20th PM:
Introduction of what
AMI is, WHAT we are doing and WHY
1:00 PM Stephen Zarlenga opens the Conference with
AMI's Purpose, Objectives and Methodology
2:00 Robert Poteat
The Case for Monetary Reform
2:50 Greg Coleridge speaks on HR 2990: The Solution to Any
Steven Walsh speaks on How
The Chicago Teachers Union Came to Support HR 2990
4:00 Elizabeth Kucinich on
Advocating for Monetary Reform
with Kucinich, Poteat, Walton, Coleridge, DeWulf
5:30 PM - 8:00 PM Get Acquainted Reception
Juices, fruits & vegs,
cold cuts, cheeses, rolls and some tasty salads. Special University
Punch - Don't
A few acknowledgement and comments, maybe some
entertainment! Dress: your
choice from informal to fancy.
understanding our Money and Banking System
9:00 AM Brief
Conference announcements - Stephen Zarlenga
the AMI will Move
Abrams of Canada gives by video
The Reforms Instituted by Gerald
Gratton McGeer presented by Will’s
friend Stu Hoffman.
Michael Kumhof on The Chicago
Prof. Steve Keen on
Capitalism, Credit, Crises and Asset Markets
12:15 noon -
break for lunch
Prof. Kaoru Yamaguchi presents
Walton on HR 2990 & The American
Economic Modeling of HR 2990 and the American
William Bergman, National
Emergency Powers and
their Implications for Monetary Policy
4:00 Joseph Pijanowski on American Labor, Our Forgotten
of Wealth Creation
Pash presents Can Progressives Guide
5:30 Panel on Dr.
Kumhofs Paper (Dr. Kumhof, Steve Keen, Kaouru Yamaguchi, Jamie Walton,
6:15 Break to go out for Dinner
Saturday AM, September
9:00 AM Zarlenga opens –
Kumhof paper - Dr. Kumhof
9:15 Prof. Nicolaus
Tideman on Money, Land and Justice
Clark speaks on
International Ramifications of Monetary
Michael Hudson on
Debts That Can't Be Paid, Wont Be Paid!
Noon - break for
Ed Stuart, on Banks
and Monetary Policy
as Servant Not Master
2:00 David I. Kelley
discusses An Economic Narrative for Progressives and Other
including Yamaguchi, Keen, Kumhof,
Coffee Break (Panel continues)
Critique of A. Mitchell Innes view that Money must be debt,
and the damage that has done!
4:30 Steven Walsh, Jamie Walton, Stephen Zarlenga present on
Bad Effect on MMT
Continues including Kumhof, Yamaguchi, Keen, Clark, Hudson, Poteat; Walton;
6:30 break to
prepare for dinner
Gala Dinner and Awards
featuring Special Guest Speaker (s)
9:00 AM Zarlenga has
Conference announcements, then
Douglas Wolfe Describes His Monetary Discussion of HR 2990 With the
and their Positive Reaction
10:00 Open session
and critiques by participants; other
reform ideas can be examined briefly, but be ready to take heat!
Carol Brouillet discusses Progressive
Strategies for the Monetary Reform
Carol has run for
congress on the Green Party Ticket three times and has been a strong
and positive activist in the San Francisco area for more than a
Bongiovanni discusses Blogging Effectively
Bongiovanni and Peter Young have for years presented important monetary
on their Internet feature titled Coffee with Joe.
Stephen Zarlenga Closes the Conference with a brief summary
outlining some objectives until the next conference, scheduled for
Checkouts possible - generally request late check outs earlier.
Sunday September 23rd PM:
12:30 PM Participants
available taxis for the 3 mile trip to North Avenue Beach
where our beach
barbecue party is already set up and cooking, 250 yards South of the
under the trees in
the grassy area. Shade and chairs available. This event is somewhat
dependent, however there is a covered area at the Beach House if
it rains. The one mile swim
be limited to expert swimmers, or cancelled, depending on weather
1PM - 5 PM Beach
that Lake Michigan and the weather
Ledge of Chicago's World
Renowned Oak Street Beach
Zarlenga's summertime office is located under an umbrella just beneath
the bottom middle of the photo. This is where we keep
stay in shape -
physically and spiritually! It's exactly one mile to
the sand and back, with ladders
every 40 yards. We'll have hot dogs,
sausages, and a vegetarian alternative; volleyball;
one mile swim challenge (if Lake Michigan cooperates)
and an alternate one mile walk. A Magnificent Mile
to each serious
swimmer, and maybe some walkers! We'll have the swim,
long as wind and wave
conditions permit. Swimmers should bring good
goggles, a bathing cap really helps keep
you warm, ear plugs and a
nose plug. (oh yes - and a bathing suit!)
It is September 9th, and water temperature is 74 degrees! A good sign
to go forward, depending on winds.
Some scenes from prior conferences:
R.Simpson in waves
1/2 mile later arriving at Oak St. Beach.
Zarlenga arrives at
Ben Gisin and
Elizabeth, Stephen and Alistair
for the swim challenge to go
and wife Elizabeth
Poteat, Sullivan, Zarlenga, DeWulf, Grewall,
An 8oz Roman Aes Grave atop The Lost Science of Money
Ways to Register for the 2012 Conference:
Click Donate button below
to register via Paypal
Donation $395 After September 13th minimum late donation is $495.
September 5th, all
registrations must be by phone or email!
By email: Send name, address,
phone and credit card details to
FORM……………………………………………………………. .. .. .. .. .. ..
.. .. .. ....
2012 AMI 8th
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is my $______ registration donation for the 2012 AMI Monetary Reform
Conference in Chicago, Sept.
There are no "at the door" registrations.
Ask about student discounts and whether
is available until May 15th,
and will afterward be pro-rated downward to a 20% refund after
American Monetary Institute as part of its responsibility in sponsoring
Conference reserves the right at its sole discretion and without public
private explanation, to restrict attendance at this Conference to
considers will enhance the purposes of the meeting, as detailed above.
Participants should understand and be in agreement that the conference
will stay focused on monetary system questions and will not be diverted
into other areas.
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either support or endorsement of the AMI; the speakers or their
messages. They are not affiliated with the AMI.
pre-conference reading: (Many
presentations assume this book has been
Please send me a copy of The
Lost Science of Money by
Stephen Zarlenga. Enclosed is
my check for $68 ($60 plus $8 S&H)
[All foreign shipments are now
by airmail at $28 per book (total $88) - a post office requirement].
me the professionally recorded video DVDs of the full 2010 or 2011
Speakers, at $195 postpaid in the
US and abroad.
Outstanding monetary material!
Bill my credit card (no
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