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[39] David Kinley, The Use of Credit Instruments in Payments in the United States, pp. 1, 2; 199–216. Senate Document No. 399. 61st Congress, 2d Session.

[40] In this discussion the phrase "credit documents" or "credit instruments" does not include bank notes.

[41] [The effect of credit exchanges on the value of money, treated at length in the next chapter, is only briefly discussed in the extracts here reproduced.]

[42] [Approximately $40 in 1916.]