Bank loans and credit are one way to increase the money supply. Legally, a loan is a contractual promise of a debtor to repay a sum of money in

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      It usually has an indian orange lining. (The number is not absolute, sometimes four packs, sometimes two only, being used; but three is the more usual number.) The banker (unless he retires either of his own free will or by reason of the exhaustion of his finances) holds office until all these cards have been dealt. The bank is at the outset put up to auction, i.e. The main reason for paying Class 3 NICs is to ensure that a persons contribution record is preserved for entitlement to the state pension, generally a person needs either 10 or 11 years for a minimum state pension (depending on sex and date of birth), although in certain cases fewer years may be required. Class 4 contributions are paid by self-employed people as a portion of their profits, calculated with income tax at the end of the year, based on figures supplied on the SA100 tax return