<article>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#article09_12_16_2346231</id>
	<title>UK Wants To Phase Out Checks By 2018</title>
	<author>samzenpus</author>
	<datestamp>1260988620000</datestamp>
	<htmltext>The board of the UK Payments Council has set a date to <a href="http://news.bbc.co.uk/2/hi/business/8414341.stm">phase out checks</a> in a bid to encourage the advance of other forms of payment. They added, however, that the target of Oct. 2018 would only be realized if adequate alternatives are developed. "The goal is to ensure that by 2018 there is no scenario where customers, individuals or businesses, still need to use a cheque. The board will be especially concerned that the needs of elderly and vulnerable people are met," the Payments Council said in a statement.</htmltext>
<tokenext>The board of the UK Payments Council has set a date to phase out checks in a bid to encourage the advance of other forms of payment .
They added , however , that the target of Oct. 2018 would only be realized if adequate alternatives are developed .
" The goal is to ensure that by 2018 there is no scenario where customers , individuals or businesses , still need to use a cheque .
The board will be especially concerned that the needs of elderly and vulnerable people are met , " the Payments Council said in a statement .</tokentext>
<sentencetext>The board of the UK Payments Council has set a date to phase out checks in a bid to encourage the advance of other forms of payment.
They added, however, that the target of Oct. 2018 would only be realized if adequate alternatives are developed.
"The goal is to ensure that by 2018 there is no scenario where customers, individuals or businesses, still need to use a cheque.
The board will be especially concerned that the needs of elderly and vulnerable people are met," the Payments Council said in a statement.</sentencetext>
</article>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470570</id>
	<title>Re:Wrong</title>
	<author>Anonymous</author>
	<datestamp>1261040880000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><div class="quote"><p>It isn't spelt 'checks' it's 'cheques' in the UK - for fucks sake get it right.</p></div><p>Cheques are in Eastern Europe.</p></div>
	</htmltext>
<tokenext>It is n't spelt 'checks ' it 's 'cheques ' in the UK - for fucks sake get it right.Cheques are in Eastern Europe .</tokentext>
<sentencetext>It isn't spelt 'checks' it's 'cheques' in the UK - for fucks sake get it right.Cheques are in Eastern Europe.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470618</id>
	<title>Re:Sounds Hard</title>
	<author>W2k</author>
	<datestamp>1261041120000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Every month, I pay my landlord (a professor; I'm his only tenant) with a check. I wonder what system would replace that, that would be significantly different from checks, but that my landlord could accept?</p></div><p>Set up a reoccuring transfer at your bank's website. Since you are posting to Slashdot I don't believe using an on-line bank would be a problem for you. You only need your landlord's account number, and you'll save him the bother of cashing in the checks.</p><p><div class="quote"><p>Also, what if I run over someone's bicycle, and I want to give him a blank check to pay for it?</p></div><p>Disregarding how stupid it is to give someone a blank check, you could just give him your contact details and reimburse him later. Or make arrangements directly with the bicycle repair shop.</p><p><div class="quote"><p>Or, more realistically, what if I need to pay an individual that I have only just met more money than I have in cash?</p></div><p>On-line transfer. Dunno what bank you're using but mine lets me transfer money from my account to anyone else's using my phone (either by calling their service desk or by going to the bank's website via 3G).<br> <br>

If your bank does not provide basic on-line services, switch banks. I wish we could just do away with cash altogether. The problem isn't techical, it's political. We have all the solutions we need to replace cash, we just need to make sure that switching to electronic money doesn't let the guv'mint (or anybody else) monitor all our transactions.</p></div>
	</htmltext>
<tokenext>Every month , I pay my landlord ( a professor ; I 'm his only tenant ) with a check .
I wonder what system would replace that , that would be significantly different from checks , but that my landlord could accept ? Set up a reoccuring transfer at your bank 's website .
Since you are posting to Slashdot I do n't believe using an on-line bank would be a problem for you .
You only need your landlord 's account number , and you 'll save him the bother of cashing in the checks.Also , what if I run over someone 's bicycle , and I want to give him a blank check to pay for it ? Disregarding how stupid it is to give someone a blank check , you could just give him your contact details and reimburse him later .
Or make arrangements directly with the bicycle repair shop.Or , more realistically , what if I need to pay an individual that I have only just met more money than I have in cash ? On-line transfer .
Dunno what bank you 're using but mine lets me transfer money from my account to anyone else 's using my phone ( either by calling their service desk or by going to the bank 's website via 3G ) .
If your bank does not provide basic on-line services , switch banks .
I wish we could just do away with cash altogether .
The problem is n't techical , it 's political .
We have all the solutions we need to replace cash , we just need to make sure that switching to electronic money does n't let the guv'mint ( or anybody else ) monitor all our transactions .</tokentext>
<sentencetext>Every month, I pay my landlord (a professor; I'm his only tenant) with a check.
I wonder what system would replace that, that would be significantly different from checks, but that my landlord could accept?Set up a reoccuring transfer at your bank's website.
Since you are posting to Slashdot I don't believe using an on-line bank would be a problem for you.
You only need your landlord's account number, and you'll save him the bother of cashing in the checks.Also, what if I run over someone's bicycle, and I want to give him a blank check to pay for it?Disregarding how stupid it is to give someone a blank check, you could just give him your contact details and reimburse him later.
Or make arrangements directly with the bicycle repair shop.Or, more realistically, what if I need to pay an individual that I have only just met more money than I have in cash?On-line transfer.
Dunno what bank you're using but mine lets me transfer money from my account to anyone else's using my phone (either by calling their service desk or by going to the bank's website via 3G).
If your bank does not provide basic on-line services, switch banks.
I wish we could just do away with cash altogether.
The problem isn't techical, it's political.
We have all the solutions we need to replace cash, we just need to make sure that switching to electronic money doesn't let the guv'mint (or anybody else) monitor all our transactions.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472154</id>
	<title>Re:Money spinner</title>
	<author>Anonymous</author>
	<datestamp>1261056720000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p><div class="quote"><p>They'd dearly love to replace them with credit cards for which they get to charge an annual fee to the card holder, monthly and annual fee plus a percentage commission from the merchant, and any interest accrued by the card holder at the usual inflated rates, and all riding on the back of a process that is essentially automated (reduced staff costs).  Even the direct deposit substitute is a good money spinner with limited numbers of "free" transactions per month before fees kick in, and charges for daring to use an ATM. What's not for a bank bean counter to like about this?</p></div><p>What? While I do pay an annual fee for my credit card (30 Euros - no big deal), all the other things you talk about are free, at least in Germany.<br>I think your bank is screwing you. Hard.</p></div>
	</htmltext>
<tokenext>They 'd dearly love to replace them with credit cards for which they get to charge an annual fee to the card holder , monthly and annual fee plus a percentage commission from the merchant , and any interest accrued by the card holder at the usual inflated rates , and all riding on the back of a process that is essentially automated ( reduced staff costs ) .
Even the direct deposit substitute is a good money spinner with limited numbers of " free " transactions per month before fees kick in , and charges for daring to use an ATM .
What 's not for a bank bean counter to like about this ? What ?
While I do pay an annual fee for my credit card ( 30 Euros - no big deal ) , all the other things you talk about are free , at least in Germany.I think your bank is screwing you .
Hard .</tokentext>
<sentencetext>They'd dearly love to replace them with credit cards for which they get to charge an annual fee to the card holder, monthly and annual fee plus a percentage commission from the merchant, and any interest accrued by the card holder at the usual inflated rates, and all riding on the back of a process that is essentially automated (reduced staff costs).
Even the direct deposit substitute is a good money spinner with limited numbers of "free" transactions per month before fees kick in, and charges for daring to use an ATM.
What's not for a bank bean counter to like about this?What?
While I do pay an annual fee for my credit card (30 Euros - no big deal), all the other things you talk about are free, at least in Germany.I think your bank is screwing you.
Hard.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470446</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471336</id>
	<title>Only if alternatives are developed</title>
	<author>Ma8thew</author>
	<datestamp>1261048680000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>A lot of commenters seem to be missing a key point in the summary. Cheques will only be phased out if "adequate alternatives are developed". It's pointless to talk about current payment options when, presumably, something better will be developed in the next decade. I think a payment by text system would be good. The payer texts his bank to authorise a transfer to the payee's account, then the payee immediately receives a text from his bank indicating a transfer has started.</htmltext>
<tokenext>A lot of commenters seem to be missing a key point in the summary .
Cheques will only be phased out if " adequate alternatives are developed " .
It 's pointless to talk about current payment options when , presumably , something better will be developed in the next decade .
I think a payment by text system would be good .
The payer texts his bank to authorise a transfer to the payee 's account , then the payee immediately receives a text from his bank indicating a transfer has started .</tokentext>
<sentencetext>A lot of commenters seem to be missing a key point in the summary.
Cheques will only be phased out if "adequate alternatives are developed".
It's pointless to talk about current payment options when, presumably, something better will be developed in the next decade.
I think a payment by text system would be good.
The payer texts his bank to authorise a transfer to the payee's account, then the payee immediately receives a text from his bank indicating a transfer has started.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470332</id>
	<title>Punctuated with a colon.</title>
	<author>Anonymous</author>
	<datestamp>1261081560000</datestamp>
	<modclass>Troll</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>It isn't <b>spelt</b> 'checks' it's 'cheques' in the UK - for fucks sake get it right.</p></div><p>I didn't know Slashdot comments came in wheat gluten-free versions now!</p></div>
	</htmltext>
<tokenext>It is n't spelt 'checks ' it 's 'cheques ' in the UK - for fucks sake get it right.I did n't know Slashdot comments came in wheat gluten-free versions now !</tokentext>
<sentencetext>It isn't spelt 'checks' it's 'cheques' in the UK - for fucks sake get it right.I didn't know Slashdot comments came in wheat gluten-free versions now!
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470538</id>
	<title>Checks and transfers</title>
	<author>otter42</author>
	<datestamp>1261040520000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext><p>I lived in France for four years, using checks. Now I live in Luxembourg and use bank transfers. I <i>much</i> prefer bank transfers. It's easier, faster, less prone to fraud, etc...</p><p>However, a couple things bank transfers don't do that checks do:</p><p>1) Security deposits: recently my fianc&#233;e and I reserved a monastery in France. We had to make a deposit of, what is for us, a significant amount of cash. With checks this is easy. He has a check, which is only valid if we don't show up, and we have a year to pull together the money. If he has hard cash, first of we lose access to that cash for a year. Second, if he doesn't deliver the goods, he has the cash, and all we could do about it is sue him!</p><p>2) Large amounts between individuals: we're selling our car and aren't quite sure what to do. Obviously cash is a little inconvenient, but a wire transfer happens at a bank or online. So neither of these work as nicely as a check either. Of course, I'm certain there's some way around it, but until an online bank transfer happens immediately, it won't be as nice and secure as a check.</p></htmltext>
<tokenext>I lived in France for four years , using checks .
Now I live in Luxembourg and use bank transfers .
I much prefer bank transfers .
It 's easier , faster , less prone to fraud , etc...However , a couple things bank transfers do n't do that checks do : 1 ) Security deposits : recently my fianc   e and I reserved a monastery in France .
We had to make a deposit of , what is for us , a significant amount of cash .
With checks this is easy .
He has a check , which is only valid if we do n't show up , and we have a year to pull together the money .
If he has hard cash , first of we lose access to that cash for a year .
Second , if he does n't deliver the goods , he has the cash , and all we could do about it is sue him ! 2 ) Large amounts between individuals : we 're selling our car and are n't quite sure what to do .
Obviously cash is a little inconvenient , but a wire transfer happens at a bank or online .
So neither of these work as nicely as a check either .
Of course , I 'm certain there 's some way around it , but until an online bank transfer happens immediately , it wo n't be as nice and secure as a check .</tokentext>
<sentencetext>I lived in France for four years, using checks.
Now I live in Luxembourg and use bank transfers.
I much prefer bank transfers.
It's easier, faster, less prone to fraud, etc...However, a couple things bank transfers don't do that checks do:1) Security deposits: recently my fiancée and I reserved a monastery in France.
We had to make a deposit of, what is for us, a significant amount of cash.
With checks this is easy.
He has a check, which is only valid if we don't show up, and we have a year to pull together the money.
If he has hard cash, first of we lose access to that cash for a year.
Second, if he doesn't deliver the goods, he has the cash, and all we could do about it is sue him!2) Large amounts between individuals: we're selling our car and aren't quite sure what to do.
Obviously cash is a little inconvenient, but a wire transfer happens at a bank or online.
So neither of these work as nicely as a check either.
Of course, I'm certain there's some way around it, but until an online bank transfer happens immediately, it won't be as nice and secure as a check.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469958</id>
	<title>How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1259696340000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>5</modscore>
	<htmltext><p>If I wanted to buy a car from somebody, how would I do it? Right now the only reasonable options are PayPal, check, cash, or credit card. The only tender an ordinary person would accept for a car are cash and check, and most people wouldn't want to handle enough cash to pay for a car.</p><p>dom</p></htmltext>
<tokenext>If I wanted to buy a car from somebody , how would I do it ?
Right now the only reasonable options are PayPal , check , cash , or credit card .
The only tender an ordinary person would accept for a car are cash and check , and most people would n't want to handle enough cash to pay for a car.dom</tokentext>
<sentencetext>If I wanted to buy a car from somebody, how would I do it?
Right now the only reasonable options are PayPal, check, cash, or credit card.
The only tender an ordinary person would accept for a car are cash and check, and most people wouldn't want to handle enough cash to pay for a car.dom</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470524</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261040400000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I've never had trouble transferring cash - sure, over 10kGBP I have to call - I can't do it directly online - but I transferred 52kGBP for a house deposit in one, short phonecall, the only hoops I had to jump through were knowing my security codes.</p></htmltext>
<tokenext>I 've never had trouble transferring cash - sure , over 10kGBP I have to call - I ca n't do it directly online - but I transferred 52kGBP for a house deposit in one , short phonecall , the only hoops I had to jump through were knowing my security codes .</tokentext>
<sentencetext>I've never had trouble transferring cash - sure, over 10kGBP I have to call - I can't do it directly online - but I transferred 52kGBP for a house deposit in one, short phonecall, the only hoops I had to jump through were knowing my security codes.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470054</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472434</id>
	<title>Re:Small Businesses Will Take a Hit</title>
	<author>TheRaven64</author>
	<datestamp>1261059720000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Do you have any idea how much banks charge business customers for processing cheques (or coins)?</htmltext>
<tokenext>Do you have any idea how much banks charge business customers for processing cheques ( or coins ) ?</tokentext>
<sentencetext>Do you have any idea how much banks charge business customers for processing cheques (or coins)?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470704</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471810</id>
	<title>Re:Small Businesses Will Take a Hit</title>
	<author>lga</author>
	<datestamp>1261052940000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>You don't need a card terminal. You can get a virtual one, processed through your PC and broadband connection, for around &pound;20 a month.</htmltext>
<tokenext>You do n't need a card terminal .
You can get a virtual one , processed through your PC and broadband connection , for around   20 a month .</tokentext>
<sentencetext>You don't need a card terminal.
You can get a virtual one, processed through your PC and broadband connection, for around £20 a month.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470704</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30475590</id>
	<title>Re:Good riddance! Welcoming a cheque-free world</title>
	<author>Anonymous</author>
	<datestamp>1261074600000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>There are many differences between Switzerland and the United States that make this problem more complex than you suggest. For example, illegal immigration is practically unheard of in Switzerland whereas in the United States it is quite common. This might have something to do with the fact that Switzerland is practically surrounded by mountains in the middle of continental Europe while the United States shares one of the largest land borders in the world with what is effectively a second-world country. There are many other reasons too. The American consumer uses checks for certain transactions because, for a variety of reasons that are not under his control, a check sometimes makes the most sense. Is it inefficient? Probably. Is that the fault of the US consumer? In many cases, no.</htmltext>
<tokenext>There are many differences between Switzerland and the United States that make this problem more complex than you suggest .
For example , illegal immigration is practically unheard of in Switzerland whereas in the United States it is quite common .
This might have something to do with the fact that Switzerland is practically surrounded by mountains in the middle of continental Europe while the United States shares one of the largest land borders in the world with what is effectively a second-world country .
There are many other reasons too .
The American consumer uses checks for certain transactions because , for a variety of reasons that are not under his control , a check sometimes makes the most sense .
Is it inefficient ?
Probably. Is that the fault of the US consumer ?
In many cases , no .</tokentext>
<sentencetext>There are many differences between Switzerland and the United States that make this problem more complex than you suggest.
For example, illegal immigration is practically unheard of in Switzerland whereas in the United States it is quite common.
This might have something to do with the fact that Switzerland is practically surrounded by mountains in the middle of continental Europe while the United States shares one of the largest land borders in the world with what is effectively a second-world country.
There are many other reasons too.
The American consumer uses checks for certain transactions because, for a variety of reasons that are not under his control, a check sometimes makes the most sense.
Is it inefficient?
Probably. Is that the fault of the US consumer?
In many cases, no.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471138</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470520</id>
	<title>Re:How do people pay eachother?</title>
	<author>stygianguest</author>
	<datestamp>1261040400000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Much of Europe, except France. I actually had to learn how to write cheques when I came here, I only had vague childhood memories of my mother using cheques in the supermarket.</htmltext>
<tokenext>Much of Europe , except France .
I actually had to learn how to write cheques when I came here , I only had vague childhood memories of my mother using cheques in the supermarket .</tokentext>
<sentencetext>Much of Europe, except France.
I actually had to learn how to write cheques when I came here, I only had vague childhood memories of my mother using cheques in the supermarket.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470146</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471730</id>
	<title>Screw the poor</title>
	<author>Anonymous</author>
	<datestamp>1261052400000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>What really annoys me is that supermarkets and petrol stations already won't accept them. When I was hard up, I knew that I could still survive for 4 days before pay day, because I could pay with a cheque and it would clear once my pay was in the bank/consulting money cleared, etc.</p></htmltext>
<tokenext>What really annoys me is that supermarkets and petrol stations already wo n't accept them .
When I was hard up , I knew that I could still survive for 4 days before pay day , because I could pay with a cheque and it would clear once my pay was in the bank/consulting money cleared , etc .</tokentext>
<sentencetext>What really annoys me is that supermarkets and petrol stations already won't accept them.
When I was hard up, I knew that I could still survive for 4 days before pay day, because I could pay with a cheque and it would clear once my pay was in the bank/consulting money cleared, etc.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470218</id>
	<title>Re:In ong run should just switch to digital cash</title>
	<author>seifried</author>
	<datestamp>1261080660000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext>Yeah, because governments that are supported by taxation of financial transactions are going to LOVE anonymous cash.</htmltext>
<tokenext>Yeah , because governments that are supported by taxation of financial transactions are going to LOVE anonymous cash .</tokentext>
<sentencetext>Yeah, because governments that are supported by taxation of financial transactions are going to LOVE anonymous cash.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470052</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469978</id>
	<title>The Empire is a bit late to it</title>
	<author>Anonymous</author>
	<datestamp>1259696520000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>In Sweden there this was done 10 years ago, welcome to the future UK!!</p></htmltext>
<tokenext>In Sweden there this was done 10 years ago , welcome to the future UK !
!</tokentext>
<sentencetext>In Sweden there this was done 10 years ago, welcome to the future UK!
!</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30483584</id>
	<title>Re:How do people pay eachother?</title>
	<author>mahadiga</author>
	<datestamp>1261071120000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>For e.g. in India 85\% of people do <a href="http://reddit.com/goto?id=10ez" title="reddit.com" rel="nofollow">NOT</a> [reddit.com] have Bank Accounts.</htmltext>
<tokenext>For e.g .
in India 85 \ % of people do NOT [ reddit.com ] have Bank Accounts .</tokentext>
<sentencetext>For e.g.
in India 85\% of people do NOT [reddit.com] have Bank Accounts.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472274</id>
	<title>Re:Good riddance! Welcoming a cheque-free world</title>
	<author>jrumney</author>
	<datestamp>1261058100000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>The UK has all that too. I haven't written a cheque for years, last time I needed to I couldn't find my chequebook and managed to convince the recipient that internet banking would be quicker and less hassle. I don't know why it needs to take so long to phase them out.</htmltext>
<tokenext>The UK has all that too .
I have n't written a cheque for years , last time I needed to I could n't find my chequebook and managed to convince the recipient that internet banking would be quicker and less hassle .
I do n't know why it needs to take so long to phase them out .</tokentext>
<sentencetext>The UK has all that too.
I haven't written a cheque for years, last time I needed to I couldn't find my chequebook and managed to convince the recipient that internet banking would be quicker and less hassle.
I don't know why it needs to take so long to phase them out.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471138</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30473976</id>
	<title>Re:How do people pay eachother?</title>
	<author>Necron69</author>
	<datestamp>1261067760000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext><p>I've stumbled into this problem recently myself, when my ex-wife switched bank accounts, and my payroll department suddenly realized it was illegal for me to be auto-depositing my child support to someone else's account (despite the fact that I've been doing it for four years). Since my ex now lives many hours drive away, and refuses to set up a joint account for deposits, this presents a problem.</p><p>After some research, I was forced to conclude that even in late 2009, there is no way in the United States to cheaply and electronically send money to someone else without paying a substantial fee, or involving a third party. PayPal is slow and the ex hates it. A wire transfer costs $20 from my bank. I suppose there is always Western Union, but nothing approaches the cheapness of a check and a 44 cent stamp - it just takes most of a week to get from here to there.</p><p>Necron69</p></htmltext>
<tokenext>I 've stumbled into this problem recently myself , when my ex-wife switched bank accounts , and my payroll department suddenly realized it was illegal for me to be auto-depositing my child support to someone else 's account ( despite the fact that I 've been doing it for four years ) .
Since my ex now lives many hours drive away , and refuses to set up a joint account for deposits , this presents a problem.After some research , I was forced to conclude that even in late 2009 , there is no way in the United States to cheaply and electronically send money to someone else without paying a substantial fee , or involving a third party .
PayPal is slow and the ex hates it .
A wire transfer costs $ 20 from my bank .
I suppose there is always Western Union , but nothing approaches the cheapness of a check and a 44 cent stamp - it just takes most of a week to get from here to there.Necron69</tokentext>
<sentencetext>I've stumbled into this problem recently myself, when my ex-wife switched bank accounts, and my payroll department suddenly realized it was illegal for me to be auto-depositing my child support to someone else's account (despite the fact that I've been doing it for four years).
Since my ex now lives many hours drive away, and refuses to set up a joint account for deposits, this presents a problem.After some research, I was forced to conclude that even in late 2009, there is no way in the United States to cheaply and electronically send money to someone else without paying a substantial fee, or involving a third party.
PayPal is slow and the ex hates it.
A wire transfer costs $20 from my bank.
I suppose there is always Western Union, but nothing approaches the cheapness of a check and a 44 cent stamp - it just takes most of a week to get from here to there.Necron69</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470054</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471538</id>
	<title>What we need to do...</title>
	<author>Anonymous</author>
	<datestamp>1261050360000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>Is ban checks for amounts less than $1,000. Fucking grannies holding up supermarket lines for 15 minutes to write on a piece of fucking paper, seemingly forgetting how to do it even though they've probably written thousands in their lifetime.....fuck.

With regards to buying cars, it should be cash or check. A year ago I accepted $3,000 for selling a car. I had a sign on the window stating "$3,500. $3,000 cash". They happily paid cash.</htmltext>
<tokenext>Is ban checks for amounts less than $ 1,000 .
Fucking grannies holding up supermarket lines for 15 minutes to write on a piece of fucking paper , seemingly forgetting how to do it even though they 've probably written thousands in their lifetime.....fuck .
With regards to buying cars , it should be cash or check .
A year ago I accepted $ 3,000 for selling a car .
I had a sign on the window stating " $ 3,500 .
$ 3,000 cash " .
They happily paid cash .</tokentext>
<sentencetext>Is ban checks for amounts less than $1,000.
Fucking grannies holding up supermarket lines for 15 minutes to write on a piece of fucking paper, seemingly forgetting how to do it even though they've probably written thousands in their lifetime.....fuck.
With regards to buying cars, it should be cash or check.
A year ago I accepted $3,000 for selling a car.
I had a sign on the window stating "$3,500.
$3,000 cash".
They happily paid cash.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470054</id>
	<title>Re:How do people pay eachother?</title>
	<author>remoford</author>
	<datestamp>1259697000000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>5</modscore>
	<htmltext><p>I think you have stumbled upon the point.</p><p>You can't do a paypal or credit card transaction in person with a stranger without the blessing of someone else (paypal or visa). And if you are using a significant amount of cash, they will presume it is a drug deal or money laundering or something nefarious. Large cash transfers are already defacto illegal in the US (see what happens if you get pulled over and have 50,000 usd in the passenger seat) although I can't speak for the UK.</p><p>Governmental and corporate power is maximized when citizens can not do meaningful business amongst themselves.</p></htmltext>
<tokenext>I think you have stumbled upon the point.You ca n't do a paypal or credit card transaction in person with a stranger without the blessing of someone else ( paypal or visa ) .
And if you are using a significant amount of cash , they will presume it is a drug deal or money laundering or something nefarious .
Large cash transfers are already defacto illegal in the US ( see what happens if you get pulled over and have 50,000 usd in the passenger seat ) although I ca n't speak for the UK.Governmental and corporate power is maximized when citizens can not do meaningful business amongst themselves .</tokentext>
<sentencetext>I think you have stumbled upon the point.You can't do a paypal or credit card transaction in person with a stranger without the blessing of someone else (paypal or visa).
And if you are using a significant amount of cash, they will presume it is a drug deal or money laundering or something nefarious.
Large cash transfers are already defacto illegal in the US (see what happens if you get pulled over and have 50,000 usd in the passenger seat) although I can't speak for the UK.Governmental and corporate power is maximized when citizens can not do meaningful business amongst themselves.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469958</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30483340</id>
	<title>What about international payments to developing co</title>
	<author>lsatenstein</author>
	<datestamp>1261068600000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>Suppose I go to a poor country, and need to make a payment, but there is no electronic banking system. What then.

Closer to home, I go to the Casino, win a few thousand, and want payment in a secure form. But I only have my debit or credit card. Will they do it for me?

Add your supposes to the list.

Leslie</htmltext>
<tokenext>Suppose I go to a poor country , and need to make a payment , but there is no electronic banking system .
What then .
Closer to home , I go to the Casino , win a few thousand , and want payment in a secure form .
But I only have my debit or credit card .
Will they do it for me ?
Add your supposes to the list .
Leslie</tokentext>
<sentencetext>Suppose I go to a poor country, and need to make a payment, but there is no electronic banking system.
What then.
Closer to home, I go to the Casino, win a few thousand, and want payment in a secure form.
But I only have my debit or credit card.
Will they do it for me?
Add your supposes to the list.
Leslie</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30476150</id>
	<title>Re:There will never be anonymous digital cash.</title>
	<author>Anonymous</author>
	<datestamp>1261077120000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>&gt; Honestly, cash is something that would not be allowed to be invented today if it didn't already exist and wasn't too hard to get rid of.</p><p>That's almost as silly as saying spoken language wouldn't be allowed.</p><p>Cash is the simplest abstraction layer above direct good A to good barter. It's existed as long as mathematics and argiculture (proven to exist at least as far back as babylon/sumeria, somewhere in the 4000 BCE - 2600 BCE, but potentially as far back as 10,000 BCE). The primary thing governments did was specify what exact form of cash was acceptable for transactions with the government, but before that (and into the present day), lenders and businesses have made their own cash. <a href="http://en.wikipedia.org/wiki/Canadian\_Tire\_money" title="wikipedia.org" rel="nofollow">http://en.wikipedia.org/wiki/Canadian\_Tire\_money</a> [wikipedia.org] for a present day example, and I recall (but can't find the details anymore) that some towns in the US have dabbled in joint local currency for their retail centers as recently as a few years back. Any time two or more people agree to price two things relative to a third thing, that third thing effectively *is* cash.</p><p>Checks, btw, are just a thin wrapper around cash in bank accounts. And digital transactions today are just the same thing, except with checks made out of electrons instead of paper and ink. (And in practice, paper checks are just scanned and the actual transaction is implemented on the digital layer these days). The main catch of truly anonymous digital transactions is that they can't be implemented as just another wrapper around the existing system and still be anonymous. (The second catch is that timestamped security cameras, timestamped transaction logs, IP logs, and browser cookies can still be used to build up profiles anyway...). Anonymous digital cash is, at best, just the same as today's physical cash but with potential extra failure modes (drained batteries, someone invents a good enough quantum computer and cracks the keys, someone discovers NP is in P and cracks the keys, hardware breaks and loses data and you can't exchange that shredded smartcard for the value it used to hold the same way you can trade damaged paper money for fresh).</p><p>IMO, if you really need anonymous transactions today, you'd have to do it with a combination of: 1) making your bank/ATM withdrawls in large amounts, far in advance of the planned purchase 2) being part of a large group of paranoiacs who are KNOWN to swap equal-valued bills randomly in order to defeat possible recording of serial numbers on bills, and 3) buy only from resellers who are KNOWN to buy things in bulk, so that their clients can't be connected to the place and time of the initial sale. This would be a hassle, would require you to actually trust a lot of people, would result in higher prices for you, and would probably draw law enforcement attention (since it's a prime opportunity for fences, money launderers, and bank robbers ditched UV dyed consecutive-numbered bills). But, uh, other than those major issues, it would be anonymous, as long as the bill-swappers and resellers aren't bugged and don't sell you out to The Man.</p></htmltext>
<tokenext>&gt; Honestly , cash is something that would not be allowed to be invented today if it did n't already exist and was n't too hard to get rid of.That 's almost as silly as saying spoken language would n't be allowed.Cash is the simplest abstraction layer above direct good A to good barter .
It 's existed as long as mathematics and argiculture ( proven to exist at least as far back as babylon/sumeria , somewhere in the 4000 BCE - 2600 BCE , but potentially as far back as 10,000 BCE ) .
The primary thing governments did was specify what exact form of cash was acceptable for transactions with the government , but before that ( and into the present day ) , lenders and businesses have made their own cash .
http : //en.wikipedia.org/wiki/Canadian \ _Tire \ _money [ wikipedia.org ] for a present day example , and I recall ( but ca n't find the details anymore ) that some towns in the US have dabbled in joint local currency for their retail centers as recently as a few years back .
Any time two or more people agree to price two things relative to a third thing , that third thing effectively * is * cash.Checks , btw , are just a thin wrapper around cash in bank accounts .
And digital transactions today are just the same thing , except with checks made out of electrons instead of paper and ink .
( And in practice , paper checks are just scanned and the actual transaction is implemented on the digital layer these days ) .
The main catch of truly anonymous digital transactions is that they ca n't be implemented as just another wrapper around the existing system and still be anonymous .
( The second catch is that timestamped security cameras , timestamped transaction logs , IP logs , and browser cookies can still be used to build up profiles anyway... ) .
Anonymous digital cash is , at best , just the same as today 's physical cash but with potential extra failure modes ( drained batteries , someone invents a good enough quantum computer and cracks the keys , someone discovers NP is in P and cracks the keys , hardware breaks and loses data and you ca n't exchange that shredded smartcard for the value it used to hold the same way you can trade damaged paper money for fresh ) .IMO , if you really need anonymous transactions today , you 'd have to do it with a combination of : 1 ) making your bank/ATM withdrawls in large amounts , far in advance of the planned purchase 2 ) being part of a large group of paranoiacs who are KNOWN to swap equal-valued bills randomly in order to defeat possible recording of serial numbers on bills , and 3 ) buy only from resellers who are KNOWN to buy things in bulk , so that their clients ca n't be connected to the place and time of the initial sale .
This would be a hassle , would require you to actually trust a lot of people , would result in higher prices for you , and would probably draw law enforcement attention ( since it 's a prime opportunity for fences , money launderers , and bank robbers ditched UV dyed consecutive-numbered bills ) .
But , uh , other than those major issues , it would be anonymous , as long as the bill-swappers and resellers are n't bugged and do n't sell you out to The Man .</tokentext>
<sentencetext>&gt; Honestly, cash is something that would not be allowed to be invented today if it didn't already exist and wasn't too hard to get rid of.That's almost as silly as saying spoken language wouldn't be allowed.Cash is the simplest abstraction layer above direct good A to good barter.
It's existed as long as mathematics and argiculture (proven to exist at least as far back as babylon/sumeria, somewhere in the 4000 BCE - 2600 BCE, but potentially as far back as 10,000 BCE).
The primary thing governments did was specify what exact form of cash was acceptable for transactions with the government, but before that (and into the present day), lenders and businesses have made their own cash.
http://en.wikipedia.org/wiki/Canadian\_Tire\_money [wikipedia.org] for a present day example, and I recall (but can't find the details anymore) that some towns in the US have dabbled in joint local currency for their retail centers as recently as a few years back.
Any time two or more people agree to price two things relative to a third thing, that third thing effectively *is* cash.Checks, btw, are just a thin wrapper around cash in bank accounts.
And digital transactions today are just the same thing, except with checks made out of electrons instead of paper and ink.
(And in practice, paper checks are just scanned and the actual transaction is implemented on the digital layer these days).
The main catch of truly anonymous digital transactions is that they can't be implemented as just another wrapper around the existing system and still be anonymous.
(The second catch is that timestamped security cameras, timestamped transaction logs, IP logs, and browser cookies can still be used to build up profiles anyway...).
Anonymous digital cash is, at best, just the same as today's physical cash but with potential extra failure modes (drained batteries, someone invents a good enough quantum computer and cracks the keys, someone discovers NP is in P and cracks the keys, hardware breaks and loses data and you can't exchange that shredded smartcard for the value it used to hold the same way you can trade damaged paper money for fresh).IMO, if you really need anonymous transactions today, you'd have to do it with a combination of: 1) making your bank/ATM withdrawls in large amounts, far in advance of the planned purchase 2) being part of a large group of paranoiacs who are KNOWN to swap equal-valued bills randomly in order to defeat possible recording of serial numbers on bills, and 3) buy only from resellers who are KNOWN to buy things in bulk, so that their clients can't be connected to the place and time of the initial sale.
This would be a hassle, would require you to actually trust a lot of people, would result in higher prices for you, and would probably draw law enforcement attention (since it's a prime opportunity for fences, money launderers, and bank robbers ditched UV dyed consecutive-numbered bills).
But, uh, other than those major issues, it would be anonymous, as long as the bill-swappers and resellers aren't bugged and don't sell you out to The Man.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470400</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472056</id>
	<title>Attention Americans</title>
	<author>Anonymous</author>
	<datestamp>1261055520000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>Shut up! We get it, you fools still use cheques. the rest of the world is moving on but you're unable to see a world without this archaic method of moving money around.<br> <br>it's ok, you guys pay to receive phone calls, most of your phone network is 2G CDMA, and you still use imperial measurements. the pattern I'm seeing is that you insist on being different, even when the way everyone else does something makes sense, and the way you choose is ridiculously stupid.</htmltext>
<tokenext>Shut up !
We get it , you fools still use cheques .
the rest of the world is moving on but you 're unable to see a world without this archaic method of moving money around .
it 's ok , you guys pay to receive phone calls , most of your phone network is 2G CDMA , and you still use imperial measurements .
the pattern I 'm seeing is that you insist on being different , even when the way everyone else does something makes sense , and the way you choose is ridiculously stupid .</tokentext>
<sentencetext>Shut up!
We get it, you fools still use cheques.
the rest of the world is moving on but you're unable to see a world without this archaic method of moving money around.
it's ok, you guys pay to receive phone calls, most of your phone network is 2G CDMA, and you still use imperial measurements.
the pattern I'm seeing is that you insist on being different, even when the way everyone else does something makes sense, and the way you choose is ridiculously stupid.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30484144</id>
	<title>Headline misleading</title>
	<author>Anonymous</author>
	<datestamp>1261078380000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>"The UK" doesn't want to phase out cheques. Banks and large retailers do. The UK wasn't even asked. But at least you printed what a small group of large corporations wanted you to.</p></htmltext>
<tokenext>" The UK " does n't want to phase out cheques .
Banks and large retailers do .
The UK was n't even asked .
But at least you printed what a small group of large corporations wanted you to .</tokentext>
<sentencetext>"The UK" doesn't want to phase out cheques.
Banks and large retailers do.
The UK wasn't even asked.
But at least you printed what a small group of large corporations wanted you to.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471888</id>
	<title>Re:In ong run should just switch to digital cash</title>
	<author>wisdom\_brewing</author>
	<datestamp>1261053960000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>hahahahhahah....<br> <br>hahahahhahahahhahah....<br> <br>hahahahhhahahahahahah....<br> <br>0.6\% on all transactions? good luck getting 0.01\% on FX transactions, seriously, that would NEVER go down... people would just trade in other jusisdictions. A 0.60\% tax on all trades would destroy the united states...<br> <br>a marginally more sensible 0.005\% tax on all worldwide financial transactions is being proposed, if this goes ahead it will raise a lot of cash, but this would have to be an international decision, not something for the US alone to decide - if they do, forget about the US surviving in the top 5 of world markets.</htmltext>
<tokenext>hahahahhahah.... hahahahhahahahhahah.... hahahahhhahahahahahah.... 0.6 \ % on all transactions ?
good luck getting 0.01 \ % on FX transactions , seriously , that would NEVER go down... people would just trade in other jusisdictions .
A 0.60 \ % tax on all trades would destroy the united states... a marginally more sensible 0.005 \ % tax on all worldwide financial transactions is being proposed , if this goes ahead it will raise a lot of cash , but this would have to be an international decision , not something for the US alone to decide - if they do , forget about the US surviving in the top 5 of world markets .</tokentext>
<sentencetext>hahahahhahah.... hahahahhahahahhahah.... hahahahhhahahahahahah.... 0.6\% on all transactions?
good luck getting 0.01\% on FX transactions, seriously, that would NEVER go down... people would just trade in other jusisdictions.
A 0.60\% tax on all trades would destroy the united states... a marginally more sensible 0.005\% tax on all worldwide financial transactions is being proposed, if this goes ahead it will raise a lot of cash, but this would have to be an international decision, not something for the US alone to decide - if they do, forget about the US surviving in the top 5 of world markets.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470254</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30474002</id>
	<title>Re:Checks and transfers</title>
	<author>cocotoni</author>
	<datestamp>1261067880000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Luxembourg has a hugely convenient institution of pursuits office. Same with Switzerland, but I don't know about the other countries. It comes down to the principle of trust between parties, with the state carrying a big stick if that trust is breached. In both countries I was able to spend huge sums of money with deferred payments (like 10-30 days after the delivery of the product or the service) based on the trust by the seller that I will make the payment (or that my life and credit would be completely ruined to kingdom come if I did not and that they would still get the money).</p></htmltext>
<tokenext>Luxembourg has a hugely convenient institution of pursuits office .
Same with Switzerland , but I do n't know about the other countries .
It comes down to the principle of trust between parties , with the state carrying a big stick if that trust is breached .
In both countries I was able to spend huge sums of money with deferred payments ( like 10-30 days after the delivery of the product or the service ) based on the trust by the seller that I will make the payment ( or that my life and credit would be completely ruined to kingdom come if I did not and that they would still get the money ) .</tokentext>
<sentencetext>Luxembourg has a hugely convenient institution of pursuits office.
Same with Switzerland, but I don't know about the other countries.
It comes down to the principle of trust between parties, with the state carrying a big stick if that trust is breached.
In both countries I was able to spend huge sums of money with deferred payments (like 10-30 days after the delivery of the product or the service) based on the trust by the seller that I will make the payment (or that my life and credit would be completely ruined to kingdom come if I did not and that they would still get the money).</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470538</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472462</id>
	<title>Re:I thought they were already gone in EU</title>
	<author>Bert64</author>
	<datestamp>1261060020000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>You can also pay 99\% of these companies via a direct deposit or standing order... Unlike a direct debit, this has to be initiated by you..<br>When the bill arrives, you can schedule an online payment to go out on the due date of the bill.</p></htmltext>
<tokenext>You can also pay 99 \ % of these companies via a direct deposit or standing order... Unlike a direct debit , this has to be initiated by you..When the bill arrives , you can schedule an online payment to go out on the due date of the bill .</tokentext>
<sentencetext>You can also pay 99\% of these companies via a direct deposit or standing order... Unlike a direct debit, this has to be initiated by you..When the bill arrives, you can schedule an online payment to go out on the due date of the bill.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470244</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471388</id>
	<title>Re:Once the cheques and bank notes are gone ...</title>
	<author>cgenman</author>
	<datestamp>1261049040000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>When I was working retail, the only people who still used checks were the elderly.  Everyone else just swiped.  This seems like code for "the board will be especially concerned that the elderly and backwater can figure out this newfangled payment method."  And now that I say that out loud, it sounds like a potshot at Americans.</p></htmltext>
<tokenext>When I was working retail , the only people who still used checks were the elderly .
Everyone else just swiped .
This seems like code for " the board will be especially concerned that the elderly and backwater can figure out this newfangled payment method .
" And now that I say that out loud , it sounds like a potshot at Americans .</tokentext>
<sentencetext>When I was working retail, the only people who still used checks were the elderly.
Everyone else just swiped.
This seems like code for "the board will be especially concerned that the elderly and backwater can figure out this newfangled payment method.
"  And now that I say that out loud, it sounds like a potshot at Americans.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470492</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30475268</id>
	<title>Re:In ong run should just switch to digital cash</title>
	<author>CodeBuster</author>
	<datestamp>1261073160000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>That's it right there. The banking systems are all ultimately controlled by the governments of this world and they have no interest in enabling large anonymous transactions. This is why large denomination bills, at least in countries where rampant inflation hasn't made them worthless, haven't been printed in nearly half a century in most places around the world.</htmltext>
<tokenext>That 's it right there .
The banking systems are all ultimately controlled by the governments of this world and they have no interest in enabling large anonymous transactions .
This is why large denomination bills , at least in countries where rampant inflation has n't made them worthless , have n't been printed in nearly half a century in most places around the world .</tokentext>
<sentencetext>That's it right there.
The banking systems are all ultimately controlled by the governments of this world and they have no interest in enabling large anonymous transactions.
This is why large denomination bills, at least in countries where rampant inflation hasn't made them worthless, haven't been printed in nearly half a century in most places around the world.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470218</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470506</id>
	<title>Non electronic money tranfer method</title>
	<author>AxeTheMax</author>
	<datestamp>1261083480000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Let's look at cheques as non-electronic money transfers that are easily available to most people. Is it wise to phase out these? It assumes that there will be no breakdown in electronic methods of money transfer. What might happen with serious power failures, solar storms, war, or economic collapses? Will we have to revert to cash for everything, and is there enough of it?</htmltext>
<tokenext>Let 's look at cheques as non-electronic money transfers that are easily available to most people .
Is it wise to phase out these ?
It assumes that there will be no breakdown in electronic methods of money transfer .
What might happen with serious power failures , solar storms , war , or economic collapses ?
Will we have to revert to cash for everything , and is there enough of it ?</tokentext>
<sentencetext>Let's look at cheques as non-electronic money transfers that are easily available to most people.
Is it wise to phase out these?
It assumes that there will be no breakdown in electronic methods of money transfer.
What might happen with serious power failures, solar storms, war, or economic collapses?
Will we have to revert to cash for everything, and is there enough of it?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30488196</id>
	<title>Re:I thought they were already gone in EU</title>
	<author>tehcyder</author>
	<datestamp>1261155840000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><blockquote><div><p>I hadn't seen a check in Finland for over 10 years.</p></div>
</blockquote><p>
No, but I saw a slovak in Denmark recently.
</p><p>
*rimshot*</p></div>
	</htmltext>
<tokenext>I had n't seen a check in Finland for over 10 years .
No , but I saw a slovak in Denmark recently .
* rimshot *</tokentext>
<sentencetext>I hadn't seen a check in Finland for over 10 years.
No, but I saw a slovak in Denmark recently.
*rimshot*
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469990</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470132</id>
	<title>Re:Wrong</title>
	<author>Brett Buck</author>
	<datestamp>1261080060000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Send me your dictionary, and I will happily red-line it for you.</p></htmltext>
<tokenext>Send me your dictionary , and I will happily red-line it for you .</tokentext>
<sentencetext>Send me your dictionary, and I will happily red-line it for you.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471796</id>
	<title>How about using the mobile phones?</title>
	<author>master\_p</author>
	<datestamp>1261052820000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Since most of us curry a mobile phone, it would be nice if we could pay using our phone.<br>Here is a possible solution when buying a product:</p><p>1) the clerk scans the product (or products) and a total price is formed.<br>2) the client activates the "pay" command on his/her phone.<br>3) the total price of goods is transmitted via infrared to the phone. All the client has to do is hold up the phone to the infrared emitter of the cashier device.<br>4) the client sees on his/her phone the price.<br>5) the client accepts the payment.<br>6) the phone sends an SMS (possibly encrypted) to the bank; each phone is linked with a bank account. The transmitted information contains the bank account of the shop.<br>7) the bank transfers the amount of money to the bank of the shop.<br>8) the client receives an SMS that the payment was successful.</p><p>This is not only the fastest way to pay, but it can also eliminate fraud (like tax evasion) in the large scale.</p></htmltext>
<tokenext>Since most of us curry a mobile phone , it would be nice if we could pay using our phone.Here is a possible solution when buying a product : 1 ) the clerk scans the product ( or products ) and a total price is formed.2 ) the client activates the " pay " command on his/her phone.3 ) the total price of goods is transmitted via infrared to the phone .
All the client has to do is hold up the phone to the infrared emitter of the cashier device.4 ) the client sees on his/her phone the price.5 ) the client accepts the payment.6 ) the phone sends an SMS ( possibly encrypted ) to the bank ; each phone is linked with a bank account .
The transmitted information contains the bank account of the shop.7 ) the bank transfers the amount of money to the bank of the shop.8 ) the client receives an SMS that the payment was successful.This is not only the fastest way to pay , but it can also eliminate fraud ( like tax evasion ) in the large scale .</tokentext>
<sentencetext>Since most of us curry a mobile phone, it would be nice if we could pay using our phone.Here is a possible solution when buying a product:1) the clerk scans the product (or products) and a total price is formed.2) the client activates the "pay" command on his/her phone.3) the total price of goods is transmitted via infrared to the phone.
All the client has to do is hold up the phone to the infrared emitter of the cashier device.4) the client sees on his/her phone the price.5) the client accepts the payment.6) the phone sends an SMS (possibly encrypted) to the bank; each phone is linked with a bank account.
The transmitted information contains the bank account of the shop.7) the bank transfers the amount of money to the bank of the shop.8) the client receives an SMS that the payment was successful.This is not only the fastest way to pay, but it can also eliminate fraud (like tax evasion) in the large scale.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30475562</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261074540000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><blockquote><div><p>Large cash transfers are already defacto illegal in the US (see what happens if you get pulled over and have 50,000 usd in the passenger seat) although I can't speak for the UK.</p></div></blockquote><p> Try paying in any large sum of cash (probably &gt; UKP500) to a bank and see the money laundering alarm bells go off.</p></div>
	</htmltext>
<tokenext>Large cash transfers are already defacto illegal in the US ( see what happens if you get pulled over and have 50,000 usd in the passenger seat ) although I ca n't speak for the UK .
Try paying in any large sum of cash ( probably &gt; UKP500 ) to a bank and see the money laundering alarm bells go off .</tokentext>
<sentencetext>Large cash transfers are already defacto illegal in the US (see what happens if you get pulled over and have 50,000 usd in the passenger seat) although I can't speak for the UK.
Try paying in any large sum of cash (probably &gt; UKP500) to a bank and see the money laundering alarm bells go off.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470054</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30477414</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261081560000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>And pay the $40 transfer fee? Why would I volunteer for this extra charge? No thanks, paper please!</p></htmltext>
<tokenext>And pay the $ 40 transfer fee ?
Why would I volunteer for this extra charge ?
No thanks , paper please !</tokentext>
<sentencetext>And pay the $40 transfer fee?
Why would I volunteer for this extra charge?
No thanks, paper please!</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30482492</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261061520000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Cool, and can they electronically transfer the car directly to me?</p><p>Presumably, they only want to give me the car if the transfer goes through (i.e. I didn't immediately cancel it after receiving the car).  And I'll be damned if I'm going to wait until after the money has been transfered into their account and hope they give me the car.</p><p>Its almost as if we need some sort of written agreement to pay -- that I sign even -- that the bank and/or government can use to enforce payment for goods/services rendered.</p></htmltext>
<tokenext>Cool , and can they electronically transfer the car directly to me ? Presumably , they only want to give me the car if the transfer goes through ( i.e .
I did n't immediately cancel it after receiving the car ) .
And I 'll be damned if I 'm going to wait until after the money has been transfered into their account and hope they give me the car.Its almost as if we need some sort of written agreement to pay -- that I sign even -- that the bank and/or government can use to enforce payment for goods/services rendered .</tokentext>
<sentencetext>Cool, and can they electronically transfer the car directly to me?Presumably, they only want to give me the car if the transfer goes through (i.e.
I didn't immediately cancel it after receiving the car).
And I'll be damned if I'm going to wait until after the money has been transfered into their account and hope they give me the car.Its almost as if we need some sort of written agreement to pay -- that I sign even -- that the bank and/or government can use to enforce payment for goods/services rendered.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470002</id>
	<title>Checks?!</title>
	<author>Anonymous</author>
	<datestamp>1259696640000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>Surely the UK Payments Council want to phase out cheques?! Unless they do mean to finally do away with, say, checking cheques?</htmltext>
<tokenext>Surely the UK Payments Council want to phase out cheques ? !
Unless they do mean to finally do away with , say , checking cheques ?</tokentext>
<sentencetext>Surely the UK Payments Council want to phase out cheques?!
Unless they do mean to finally do away with, say, checking cheques?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30488244</id>
	<title>Re:Sounds Hard</title>
	<author>tehcyder</author>
	<datestamp>1261156080000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><blockquote><div><p>Also, what if I run over someone's bicycle, and I want to give him a blank check to pay for it?</p></div>
</blockquote><p>
Tell me where you live and I'll bike round to explain.</p></div>
	</htmltext>
<tokenext>Also , what if I run over someone 's bicycle , and I want to give him a blank check to pay for it ?
Tell me where you live and I 'll bike round to explain .</tokentext>
<sentencetext>Also, what if I run over someone's bicycle, and I want to give him a blank check to pay for it?
Tell me where you live and I'll bike round to explain.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470166</id>
	<title>One word, Paypal</title>
	<author>Anonymous</author>
	<datestamp>1261080300000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>What could possibly go wrong?</p></htmltext>
<tokenext>What could possibly go wrong ?</tokentext>
<sentencetext>What could possibly go wrong?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470750</id>
	<title>Re:Disaster planning?</title>
	<author>slim</author>
	<datestamp>1261042560000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>What's the backup plan in case a massive solar flare fries our power and computing infrastructure? </p></div><p>What do you think happens when a cheque gets to the bank? It's transcribed to bits and bytes. The piece of paper is put in a folder, never looked at again unless there's an audit, then eventually destroyed.</p><p><div class="quote"><p>Have we reached the point where that's the end of civilization anyway?</p></div></div>
	</htmltext>
<tokenext>What 's the backup plan in case a massive solar flare fries our power and computing infrastructure ?
What do you think happens when a cheque gets to the bank ?
It 's transcribed to bits and bytes .
The piece of paper is put in a folder , never looked at again unless there 's an audit , then eventually destroyed.Have we reached the point where that 's the end of civilization anyway ?</tokentext>
<sentencetext>What's the backup plan in case a massive solar flare fries our power and computing infrastructure?
What do you think happens when a cheque gets to the bank?
It's transcribed to bits and bytes.
The piece of paper is put in a folder, never looked at again unless there's an audit, then eventually destroyed.Have we reached the point where that's the end of civilization anyway?
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470204</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470778</id>
	<title>Re:Checks and transfers</title>
	<author>slim</author>
	<datestamp>1261042860000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>2) Large amounts between individuals: we're selling our car and aren't quite sure what to do. Obviously cash is a little inconvenient, but a wire transfer happens at a bank or online. So neither of these work as nicely as a check either.</p></div><p>It would be foolish to accept a cheque for a large sum of money. Cheques can bounce. The old-world solution in the UK is to get a banker's draft, which is no less hassle than getting cash.</p></div>
	</htmltext>
<tokenext>2 ) Large amounts between individuals : we 're selling our car and are n't quite sure what to do .
Obviously cash is a little inconvenient , but a wire transfer happens at a bank or online .
So neither of these work as nicely as a check either.It would be foolish to accept a cheque for a large sum of money .
Cheques can bounce .
The old-world solution in the UK is to get a banker 's draft , which is no less hassle than getting cash .</tokentext>
<sentencetext>2) Large amounts between individuals: we're selling our car and aren't quite sure what to do.
Obviously cash is a little inconvenient, but a wire transfer happens at a bank or online.
So neither of these work as nicely as a check either.It would be foolish to accept a cheque for a large sum of money.
Cheques can bounce.
The old-world solution in the UK is to get a banker's draft, which is no less hassle than getting cash.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470538</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470438</id>
	<title>Re:Sounds Hard</title>
	<author>koiransuklaa</author>
	<datestamp>1261082640000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Do you guys really not have direct bank transfers?<br>You can do that from any web browser (that you consider secure enough) or from a bank or from a bank machine that supports this.</p><p>With 15 years of experience of life without cheques, I can tell you the problem you imagine does not really exist.</p></htmltext>
<tokenext>Do you guys really not have direct bank transfers ? You can do that from any web browser ( that you consider secure enough ) or from a bank or from a bank machine that supports this.With 15 years of experience of life without cheques , I can tell you the problem you imagine does not really exist .</tokentext>
<sentencetext>Do you guys really not have direct bank transfers?You can do that from any web browser (that you consider secure enough) or from a bank or from a bank machine that supports this.With 15 years of experience of life without cheques, I can tell you the problem you imagine does not really exist.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470012</id>
	<title>Re:Wrong</title>
	<author>weeboo0104</author>
	<datestamp>1259696700000</datestamp>
	<modclass>Funny</modclass>
	<modscore>5</modscore>
	<htmltext><p><i>It isn't spelt 'checks' it's 'cheques' in the UK - for fucks sake get it right.</i> </p><p>Don't you mean "for fuques sake"?</p></htmltext>
<tokenext>It is n't spelt 'checks ' it 's 'cheques ' in the UK - for fucks sake get it right .
Do n't you mean " for fuques sake " ?</tokentext>
<sentencetext>It isn't spelt 'checks' it's 'cheques' in the UK - for fucks sake get it right.
Don't you mean "for fuques sake"?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471938</id>
	<title>Re:Sounds Hard</title>
	<author>Anonymous</author>
	<datestamp>1261054440000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>You could apologize and buy him a new bike?</p></htmltext>
<tokenext>You could apologize and buy him a new bike ?</tokentext>
<sentencetext>You could apologize and buy him a new bike?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472320</id>
	<title>Bow before the altar of Visa?</title>
	<author>Aereus</author>
	<datestamp>1261058640000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I'm not entirely certain about what fees may be associated with using a debit payment, but I hope this doesn't mean we're facing a future of de-facto lining the corporate pockets of major credit companies like Mastercard and Visa. Even debit cards generally have the Mastercard/Visa logo on them<nobr> <wbr></nobr>... does this mean they still see a fee even when using it as a debit transaction?</p></htmltext>
<tokenext>I 'm not entirely certain about what fees may be associated with using a debit payment , but I hope this does n't mean we 're facing a future of de-facto lining the corporate pockets of major credit companies like Mastercard and Visa .
Even debit cards generally have the Mastercard/Visa logo on them ... does this mean they still see a fee even when using it as a debit transaction ?</tokentext>
<sentencetext>I'm not entirely certain about what fees may be associated with using a debit payment, but I hope this doesn't mean we're facing a future of de-facto lining the corporate pockets of major credit companies like Mastercard and Visa.
Even debit cards generally have the Mastercard/Visa logo on them ... does this mean they still see a fee even when using it as a debit transaction?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470252</id>
	<title>Re:Sounds Hard</title>
	<author>Tacticus.v1</author>
	<datestamp>1261080840000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Every month i transfer funds to my flatmate with reference who then transfers to the account of our real estate agent takes 10 mins</p><p>before i moved out i transferred rent and board to my parents account each month same system 1 min work</p><p>bank transfer again for situation 2 or bank cheque (quite different from norm cheque)</p></htmltext>
<tokenext>Every month i transfer funds to my flatmate with reference who then transfers to the account of our real estate agent takes 10 minsbefore i moved out i transferred rent and board to my parents account each month same system 1 min workbank transfer again for situation 2 or bank cheque ( quite different from norm cheque )</tokentext>
<sentencetext>Every month i transfer funds to my flatmate with reference who then transfers to the account of our real estate agent takes 10 minsbefore i moved out i transferred rent and board to my parents account each month same system 1 min workbank transfer again for situation 2 or bank cheque (quite different from norm cheque)</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472658</id>
	<title>Re:Sounds Hard</title>
	<author>Vintermann</author>
	<datestamp>1261061580000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>&gt; In most reasonable countries you can make money transfers between private accounts in an ATM.</p><p>Whoa, not even here in Norway do we have that. But it sounds like a really neat thing. I can has?</p></htmltext>
<tokenext>&gt; In most reasonable countries you can make money transfers between private accounts in an ATM.Whoa , not even here in Norway do we have that .
But it sounds like a really neat thing .
I can has ?</tokentext>
<sentencetext>&gt; In most reasonable countries you can make money transfers between private accounts in an ATM.Whoa, not even here in Norway do we have that.
But it sounds like a really neat thing.
I can has?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470468</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470420</id>
	<title>the US system is ridiculous if you've lived abroad</title>
	<author>supernova87a</author>
	<datestamp>1261082460000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I lived in the UK for 2 years, and let me tell you, despite a lot of things that are annoying over there, being able to transfer money easily is one thing they do well.  <br> <br>
All you have to do is give someone your bank account and routing numbers, and they can send you money, for free.  Your landlord, friend, etc. And yes, it's free. Why do we have to let Paypal make millions off of this lack of capability in the US?<br> <br>
For all the people in the US who worry about account security, isn't it funny, they don't seem to have problems with this system where you give your account number to someone else.   Did you ever realize anyway, that every time you write someone a check, <i>you're giving out your account numbers already?  </i>And the fact that we rely on paper checks that take days to be processed opens up way more fraud opportunities than electronic means.<br> <br>The best thing was that it must have been mandated some time ago that every UK bank offer this, so every bank has to have free transfers in this way.  I think it should have been required for the US banks in their bailouts -- as long as we're helping them out, they have to get rid of a system that does nothing but cost consumers fees.  Think about it, if you could choose anew, would you have people transfer funds by writing pieces of paper (which by the way, cost like $0.20 cents each if you've looked at the cost of ordering checks) that you have to go the bank to deposit, take several days to clear, and might bounce?  Why are we tolerating this middleman system?   Why do we tolerate $35-a-pop overdraft fees as a surprise, when clearly they have the means to tell you right away if your balance is insufficient?  Boo hoo, the banks will lose some profit from the decline in overdraft fees.  Well, they shouldn't even be making huge profits off of those shady fees in the first place.  <br> <br> I read that there's one bank which lets you take a iPhone photo of checks someone gives you, and send in that image as the deposit.  Or other banks that let you scan checks in at home and send them in via their website.  At that point, why are we even having the checks?  cmon people, let's not put up with this bullshit any more.  Give us free transfer capability, honest information on our accounts, and no more idiots writing checks in supermarket lines.  What, did you drive up in your horse and buggy?  <br> <br>
sorry, this topic makes me grouchy about how behind the US is, and apologists who think it's fine and want to cut productivity-sucking banks any slack over it.</htmltext>
<tokenext>I lived in the UK for 2 years , and let me tell you , despite a lot of things that are annoying over there , being able to transfer money easily is one thing they do well .
All you have to do is give someone your bank account and routing numbers , and they can send you money , for free .
Your landlord , friend , etc .
And yes , it 's free .
Why do we have to let Paypal make millions off of this lack of capability in the US ?
For all the people in the US who worry about account security , is n't it funny , they do n't seem to have problems with this system where you give your account number to someone else .
Did you ever realize anyway , that every time you write someone a check , you 're giving out your account numbers already ?
And the fact that we rely on paper checks that take days to be processed opens up way more fraud opportunities than electronic means .
The best thing was that it must have been mandated some time ago that every UK bank offer this , so every bank has to have free transfers in this way .
I think it should have been required for the US banks in their bailouts -- as long as we 're helping them out , they have to get rid of a system that does nothing but cost consumers fees .
Think about it , if you could choose anew , would you have people transfer funds by writing pieces of paper ( which by the way , cost like $ 0.20 cents each if you 've looked at the cost of ordering checks ) that you have to go the bank to deposit , take several days to clear , and might bounce ?
Why are we tolerating this middleman system ?
Why do we tolerate $ 35-a-pop overdraft fees as a surprise , when clearly they have the means to tell you right away if your balance is insufficient ?
Boo hoo , the banks will lose some profit from the decline in overdraft fees .
Well , they should n't even be making huge profits off of those shady fees in the first place .
I read that there 's one bank which lets you take a iPhone photo of checks someone gives you , and send in that image as the deposit .
Or other banks that let you scan checks in at home and send them in via their website .
At that point , why are we even having the checks ?
cmon people , let 's not put up with this bullshit any more .
Give us free transfer capability , honest information on our accounts , and no more idiots writing checks in supermarket lines .
What , did you drive up in your horse and buggy ?
sorry , this topic makes me grouchy about how behind the US is , and apologists who think it 's fine and want to cut productivity-sucking banks any slack over it .</tokentext>
<sentencetext>I lived in the UK for 2 years, and let me tell you, despite a lot of things that are annoying over there, being able to transfer money easily is one thing they do well.
All you have to do is give someone your bank account and routing numbers, and they can send you money, for free.
Your landlord, friend, etc.
And yes, it's free.
Why do we have to let Paypal make millions off of this lack of capability in the US?
For all the people in the US who worry about account security, isn't it funny, they don't seem to have problems with this system where you give your account number to someone else.
Did you ever realize anyway, that every time you write someone a check, you're giving out your account numbers already?
And the fact that we rely on paper checks that take days to be processed opens up way more fraud opportunities than electronic means.
The best thing was that it must have been mandated some time ago that every UK bank offer this, so every bank has to have free transfers in this way.
I think it should have been required for the US banks in their bailouts -- as long as we're helping them out, they have to get rid of a system that does nothing but cost consumers fees.
Think about it, if you could choose anew, would you have people transfer funds by writing pieces of paper (which by the way, cost like $0.20 cents each if you've looked at the cost of ordering checks) that you have to go the bank to deposit, take several days to clear, and might bounce?
Why are we tolerating this middleman system?
Why do we tolerate $35-a-pop overdraft fees as a surprise, when clearly they have the means to tell you right away if your balance is insufficient?
Boo hoo, the banks will lose some profit from the decline in overdraft fees.
Well, they shouldn't even be making huge profits off of those shady fees in the first place.
I read that there's one bank which lets you take a iPhone photo of checks someone gives you, and send in that image as the deposit.
Or other banks that let you scan checks in at home and send them in via their website.
At that point, why are we even having the checks?
cmon people, let's not put up with this bullshit any more.
Give us free transfer capability, honest information on our accounts, and no more idiots writing checks in supermarket lines.
What, did you drive up in your horse and buggy?
sorry, this topic makes me grouchy about how behind the US is, and apologists who think it's fine and want to cut productivity-sucking banks any slack over it.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470458</id>
	<title>Re:How do people pay eachother?</title>
	<author>rve</author>
	<datestamp>1261082820000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>4</modscore>
	<htmltext><p><div class="quote"><p>Bank transfers, Mr. Conspiracy Theorist. Cheques have been obsolete in much of Europe for years, yet there's no crushing dictatorship preventing people from giving money to one another.</p></div><p>Continental Europe here. Haven't used checks since the 80's, I didn't know they still existed. You used to put a bank transfer order in your bank's mailbox or mail it to them, but even that is something I haven't done this century, as it's so much more convenient to just enter a bank transfer order on your online banking web site.</p></div>
	</htmltext>
<tokenext>Bank transfers , Mr. Conspiracy Theorist .
Cheques have been obsolete in much of Europe for years , yet there 's no crushing dictatorship preventing people from giving money to one another.Continental Europe here .
Have n't used checks since the 80 's , I did n't know they still existed .
You used to put a bank transfer order in your bank 's mailbox or mail it to them , but even that is something I have n't done this century , as it 's so much more convenient to just enter a bank transfer order on your online banking web site .</tokentext>
<sentencetext>Bank transfers, Mr. Conspiracy Theorist.
Cheques have been obsolete in much of Europe for years, yet there's no crushing dictatorship preventing people from giving money to one another.Continental Europe here.
Haven't used checks since the 80's, I didn't know they still existed.
You used to put a bank transfer order in your bank's mailbox or mail it to them, but even that is something I haven't done this century, as it's so much more convenient to just enter a bank transfer order on your online banking web site.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470146</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30474552</id>
	<title>Re:In ong run should just switch to digital cash</title>
	<author>Blue Stone</author>
	<datestamp>1261070220000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext><p>&gt;We have cryptographically secure algorithms for anonymous digital cash. [...] We really should be working to switch to such a system.</p><p>Never going to happen.</p><p>The government - any technologically advanced 'Western' government, but specifically the British - will never accept anonymous over monitored; tracked; recorded or vetted *anything* where there is the option of doing one or the other or both.</p><p>Information is power - and they like their power over the serfs too much.</p></htmltext>
<tokenext>&gt; We have cryptographically secure algorithms for anonymous digital cash .
[ ... ] We really should be working to switch to such a system.Never going to happen.The government - any technologically advanced 'Western ' government , but specifically the British - will never accept anonymous over monitored ; tracked ; recorded or vetted * anything * where there is the option of doing one or the other or both.Information is power - and they like their power over the serfs too much .</tokentext>
<sentencetext>&gt;We have cryptographically secure algorithms for anonymous digital cash.
[...] We really should be working to switch to such a system.Never going to happen.The government - any technologically advanced 'Western' government, but specifically the British - will never accept anonymous over monitored; tracked; recorded or vetted *anything* where there is the option of doing one or the other or both.Information is power - and they like their power over the serfs too much.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470052</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471422</id>
	<title>They're called "Cheques" not "Checks"</title>
	<author>wirah</author>
	<datestamp>1261049280000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>If you're writing an article about the UK, it helps to use the correct spelling.

I looked at "phase out checks" and thought, what?! Checks for what?!</htmltext>
<tokenext>If you 're writing an article about the UK , it helps to use the correct spelling .
I looked at " phase out checks " and thought , what ? !
Checks for what ?
!</tokentext>
<sentencetext>If you're writing an article about the UK, it helps to use the correct spelling.
I looked at "phase out checks" and thought, what?!
Checks for what?
!</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472420</id>
	<title>Brilliant!</title>
	<author>geminidomino</author>
	<datestamp>1261059540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>1. Require anyone who doesn't want to deal in straight cash only to get a merchant account.<br>2. ????<br>3. Profit!</p><p>Apparently 2. is "See #1"</p></htmltext>
<tokenext>1 .
Require anyone who does n't want to deal in straight cash only to get a merchant account.2 .
? ? ? ? 3. Profit ! Apparently 2. is " See # 1 "</tokentext>
<sentencetext>1.
Require anyone who doesn't want to deal in straight cash only to get a merchant account.2.
????3. Profit!Apparently 2. is "See #1"</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471936</id>
	<title>Re:Sounds Hard</title>
	<author>DriveMelter</author>
	<datestamp>1261054440000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>A standing order would be the most appropriate choice here.</htmltext>
<tokenext>A standing order would be the most appropriate choice here .</tokentext>
<sentencetext>A standing order would be the most appropriate choice here.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472642</id>
	<title>Re:Sounds Hard</title>
	<author>Vintermann</author>
	<datestamp>1261061520000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Go to nearest ATM and get cash, problem solved with minimal hassle.</p><p>But it's not as unlikely as you think that the seller rented a wireless terminal. These things become more and more common.</p></htmltext>
<tokenext>Go to nearest ATM and get cash , problem solved with minimal hassle.But it 's not as unlikely as you think that the seller rented a wireless terminal .
These things become more and more common .</tokentext>
<sentencetext>Go to nearest ATM and get cash, problem solved with minimal hassle.But it's not as unlikely as you think that the seller rented a wireless terminal.
These things become more and more common.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470938</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470204</id>
	<title>Disaster planning?</title>
	<author>Fractal Dice</author>
	<datestamp>1261080540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>What's the backup plan in case a massive solar flare fries our power and computing infrastructure?   Have we reached the point where that's the end of civilization anyway?  Or am I underestimating the ability of people to muddle through on cash an informal IOUs for a while in a pinch?</p></htmltext>
<tokenext>What 's the backup plan in case a massive solar flare fries our power and computing infrastructure ?
Have we reached the point where that 's the end of civilization anyway ?
Or am I underestimating the ability of people to muddle through on cash an informal IOUs for a while in a pinch ?</tokentext>
<sentencetext>What's the backup plan in case a massive solar flare fries our power and computing infrastructure?
Have we reached the point where that's the end of civilization anyway?
Or am I underestimating the ability of people to muddle through on cash an informal IOUs for a while in a pinch?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471078</id>
	<title>Re:Gold</title>
	<author>Anonymous</author>
	<datestamp>1261046160000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext>But what can you make out of gold? What can you grow on gold? How do you eat gold? Can i get energy out of gold?</htmltext>
<tokenext>But what can you make out of gold ?
What can you grow on gold ?
How do you eat gold ?
Can i get energy out of gold ?</tokentext>
<sentencetext>But what can you make out of gold?
What can you grow on gold?
How do you eat gold?
Can i get energy out of gold?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470224</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472576</id>
	<title>Re:In ong run should just switch to digital cash</title>
	<author>Vintermann</author>
	<datestamp>1261061040000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Bah, digital cash systems are a waste of breath. All these protocols rely on a third party facilitator, and the best that facilitator can hope to get is deniability. But that wouldn't help them. If some bank started dealing in blind-signature money orders, the government would call them up and ask <b>"What the hell do you think you are doing?"</b>.</p><p>And justly so. If these protocols worked as advertised, every form of economic crime would become immensely more profitable since the huge risks and expenses of old-fashioned money laundering would disappear. Corruption at all levels would explode, since it would be 100\% impossible to prove anything. Any criminal enterprise, no matter how evil, could raise funding as easily a tech startup.</p><p>But it won't happen. There can be no cryptographic solution to the need for a facilitator: Assume I'm exchanging cash for a service, but both me and my counterparty are 100\% anonymous through some perfect protocol. If I pay first, what will prevent the counterparty from taking the money and running? If I get the service first, why on earth should I bother paying? (If I buy information instead, I can effectively arrange for the transaction to be simultaneous, but I have no guarantee that what I get is the secret documents I want, as opposed to Aunt Tilly's brownies recipe.)</p><p>There can be no transactions without trust, and no protocol can create trust between two completely anonymous parties. It's a pipe dream, get over it.</p></htmltext>
<tokenext>Bah , digital cash systems are a waste of breath .
All these protocols rely on a third party facilitator , and the best that facilitator can hope to get is deniability .
But that would n't help them .
If some bank started dealing in blind-signature money orders , the government would call them up and ask " What the hell do you think you are doing ?
" .And justly so .
If these protocols worked as advertised , every form of economic crime would become immensely more profitable since the huge risks and expenses of old-fashioned money laundering would disappear .
Corruption at all levels would explode , since it would be 100 \ % impossible to prove anything .
Any criminal enterprise , no matter how evil , could raise funding as easily a tech startup.But it wo n't happen .
There can be no cryptographic solution to the need for a facilitator : Assume I 'm exchanging cash for a service , but both me and my counterparty are 100 \ % anonymous through some perfect protocol .
If I pay first , what will prevent the counterparty from taking the money and running ?
If I get the service first , why on earth should I bother paying ?
( If I buy information instead , I can effectively arrange for the transaction to be simultaneous , but I have no guarantee that what I get is the secret documents I want , as opposed to Aunt Tilly 's brownies recipe .
) There can be no transactions without trust , and no protocol can create trust between two completely anonymous parties .
It 's a pipe dream , get over it .</tokentext>
<sentencetext>Bah, digital cash systems are a waste of breath.
All these protocols rely on a third party facilitator, and the best that facilitator can hope to get is deniability.
But that wouldn't help them.
If some bank started dealing in blind-signature money orders, the government would call them up and ask "What the hell do you think you are doing?
".And justly so.
If these protocols worked as advertised, every form of economic crime would become immensely more profitable since the huge risks and expenses of old-fashioned money laundering would disappear.
Corruption at all levels would explode, since it would be 100\% impossible to prove anything.
Any criminal enterprise, no matter how evil, could raise funding as easily a tech startup.But it won't happen.
There can be no cryptographic solution to the need for a facilitator: Assume I'm exchanging cash for a service, but both me and my counterparty are 100\% anonymous through some perfect protocol.
If I pay first, what will prevent the counterparty from taking the money and running?
If I get the service first, why on earth should I bother paying?
(If I buy information instead, I can effectively arrange for the transaction to be simultaneous, but I have no guarantee that what I get is the secret documents I want, as opposed to Aunt Tilly's brownies recipe.
)There can be no transactions without trust, and no protocol can create trust between two completely anonymous parties.
It's a pipe dream, get over it.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470052</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471500</id>
	<title>Re:Gold</title>
	<author>6031769</author>
	<datestamp>1261050000000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Unfortunately the British government has already <a href="http://en.wikipedia.org/wiki/Brown\_Bottom" title="wikipedia.org">phased out gold</a> [wikipedia.org].<nobr> <wbr></nobr>:-(</p></htmltext>
<tokenext>Unfortunately the British government has already phased out gold [ wikipedia.org ] .
: - (</tokentext>
<sentencetext>Unfortunately the British government has already phased out gold [wikipedia.org].
:-(</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470224</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470214</id>
	<title>Obligatory</title>
	<author>Himuanam</author>
	<datestamp>1261080660000</datestamp>
	<modclass>Funny</modclass>
	<modscore>2</modscore>
	<htmltext>I felt a great disturbance in the Force, as if millions of slow-writing middle aged women suddenly cried out in terror.</htmltext>
<tokenext>I felt a great disturbance in the Force , as if millions of slow-writing middle aged women suddenly cried out in terror .</tokentext>
<sentencetext>I felt a great disturbance in the Force, as if millions of slow-writing middle aged women suddenly cried out in terror.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472562</id>
	<title>Re:Small Businesses Will Take a Hit</title>
	<author>Linker3000</author>
	<datestamp>1261060980000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>"that &pound;400 represents our profit for an entire summer."</p><p>You're doing it wrong.<nobr> <wbr></nobr>..actually, considering Summer over here is about 2 days and a nice evening... maybe you're on the button.</p></htmltext>
<tokenext>" that   400 represents our profit for an entire summer .
" You 're doing it wrong .
..actually , considering Summer over here is about 2 days and a nice evening... maybe you 're on the button .</tokentext>
<sentencetext>"that £400 represents our profit for an entire summer.
"You're doing it wrong.
..actually, considering Summer over here is about 2 days and a nice evening... maybe you're on the button.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470704</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30473490</id>
	<title>Re:How do people pay eachother?</title>
	<author>Slashdot Parent</author>
	<datestamp>1261066020000</datestamp>
	<modclass>Flamebait</modclass>
	<modscore>0</modscore>
	<htmltext><p><div class="quote"><p>it's so much more convenient to just enter a bank transfer order on your online banking web site.</p></div><p>And what do you do if you aren't near a trustworthy, network-connected computer?</p><p>I'm not trying to defend checks.  My clients and customers all pay me by check, and I despise it.  I would 100x prefer to log into my bank account and see who paid me what, when and download that into quickbooks than to participate in the massive paper check shuffle.</p></div>
	</htmltext>
<tokenext>it 's so much more convenient to just enter a bank transfer order on your online banking web site.And what do you do if you are n't near a trustworthy , network-connected computer ? I 'm not trying to defend checks .
My clients and customers all pay me by check , and I despise it .
I would 100x prefer to log into my bank account and see who paid me what , when and download that into quickbooks than to participate in the massive paper check shuffle .</tokentext>
<sentencetext>it's so much more convenient to just enter a bank transfer order on your online banking web site.And what do you do if you aren't near a trustworthy, network-connected computer?I'm not trying to defend checks.
My clients and customers all pay me by check, and I despise it.
I would 100x prefer to log into my bank account and see who paid me what, when and download that into quickbooks than to participate in the massive paper check shuffle.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470458</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472376</id>
	<title>They also handle cash better</title>
	<author>Antique Geekmeister</author>
	<datestamp>1261059060000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>In the UK for pounds and in Europe for euros, the different bills are different sizes, and they use different physically sized currency, they use one and two "dollar" coins extensively, and they don't charge fees for most ATM withdrawals. The result is that cash transactions can be less painful, and the checks don't save you money over using an ATM card or withdrawing a bit of cash when you need it.</p><p>The flaw is that people get used to using plastic to buy everything, and can become very casual about credit card use, and \_that\_ has tremendous dangers.</p></htmltext>
<tokenext>In the UK for pounds and in Europe for euros , the different bills are different sizes , and they use different physically sized currency , they use one and two " dollar " coins extensively , and they do n't charge fees for most ATM withdrawals .
The result is that cash transactions can be less painful , and the checks do n't save you money over using an ATM card or withdrawing a bit of cash when you need it.The flaw is that people get used to using plastic to buy everything , and can become very casual about credit card use , and \ _that \ _ has tremendous dangers .</tokentext>
<sentencetext>In the UK for pounds and in Europe for euros, the different bills are different sizes, and they use different physically sized currency, they use one and two "dollar" coins extensively, and they don't charge fees for most ATM withdrawals.
The result is that cash transactions can be less painful, and the checks don't save you money over using an ATM card or withdrawing a bit of cash when you need it.The flaw is that people get used to using plastic to buy everything, and can become very casual about credit card use, and \_that\_ has tremendous dangers.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470736</id>
	<title>Re:Sounds Hard</title>
	<author>Alioth</author>
	<datestamp>1261042380000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>When I was renting in the UK over 15 years ago, I paid the landlord with a "standing order", a monthly, regular payment done direct from bank to bank. Cheques haven't actually been necessary for things like this for decades in advanced countries like the UK.</p><p>I tried to do the same when I was renting in the US. It's not possible - well, it is, sort of - what the bank does is mails a check monthly to your landlord instead of making a direct transfer. Sometimes this check gets lost and you get home to a nasty letter telling you "pay up or get evicted". If you look at the statement you already find the money has gone from the bank, then it takes a month of wrangling to get it sorted out.</p></htmltext>
<tokenext>When I was renting in the UK over 15 years ago , I paid the landlord with a " standing order " , a monthly , regular payment done direct from bank to bank .
Cheques have n't actually been necessary for things like this for decades in advanced countries like the UK.I tried to do the same when I was renting in the US .
It 's not possible - well , it is , sort of - what the bank does is mails a check monthly to your landlord instead of making a direct transfer .
Sometimes this check gets lost and you get home to a nasty letter telling you " pay up or get evicted " .
If you look at the statement you already find the money has gone from the bank , then it takes a month of wrangling to get it sorted out .</tokentext>
<sentencetext>When I was renting in the UK over 15 years ago, I paid the landlord with a "standing order", a monthly, regular payment done direct from bank to bank.
Cheques haven't actually been necessary for things like this for decades in advanced countries like the UK.I tried to do the same when I was renting in the US.
It's not possible - well, it is, sort of - what the bank does is mails a check monthly to your landlord instead of making a direct transfer.
Sometimes this check gets lost and you get home to a nasty letter telling you "pay up or get evicted".
If you look at the statement you already find the money has gone from the bank, then it takes a month of wrangling to get it sorted out.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472270</id>
	<title>Re:Wrong</title>
	<author>mickwd</author>
	<datestamp>1261058100000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>It isn't spelt 'checks' or 'cheques' - it's Czechs.</p><p>We want to "phase them out" by pretending to prefer American Budweiser to the wonderful Budweiser Budvar they make.</p></htmltext>
<tokenext>It is n't spelt 'checks ' or 'cheques ' - it 's Czechs.We want to " phase them out " by pretending to prefer American Budweiser to the wonderful Budweiser Budvar they make .</tokentext>
<sentencetext>It isn't spelt 'checks' or 'cheques' - it's Czechs.We want to "phase them out" by pretending to prefer American Budweiser to the wonderful Budweiser Budvar they make.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30473308</id>
	<title>no more mail-in rebates please</title>
	<author>Anonymous</author>
	<datestamp>1261065180000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I know they'll devise an alternative way of doing this, but I at least like to dream that this might kill off mail-in rebates.</p><p>No longer will I have to wait 3-6 months for a $5 check that never comes.</p></htmltext>
<tokenext>I know they 'll devise an alternative way of doing this , but I at least like to dream that this might kill off mail-in rebates.No longer will I have to wait 3-6 months for a $ 5 check that never comes .</tokentext>
<sentencetext>I know they'll devise an alternative way of doing this, but I at least like to dream that this might kill off mail-in rebates.No longer will I have to wait 3-6 months for a $5 check that never comes.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470078</id>
	<title>Re:How do people pay eachother?</title>
	<author>BorgDrone</author>
	<datestamp>1259697180000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>4</modscore>
	<htmltext><p>&gt; If I wanted to buy a car from somebody, how would I do it?</p><p>Transfer money from your bank account directly to theirs ?</p></htmltext>
<tokenext>&gt; If I wanted to buy a car from somebody , how would I do it ? Transfer money from your bank account directly to theirs ?</tokentext>
<sentencetext>&gt; If I wanted to buy a car from somebody, how would I do it?Transfer money from your bank account directly to theirs ?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469958</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470640</id>
	<title>Re:Sounds Hard</title>
	<author>Idiomatick</author>
	<datestamp>1261041360000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>The only thing I got from that was that I should buy a bunch of bikes to hide behind your car at home, at work, grocery store, clubs... It might even be worth it to just bike in front of your car.</htmltext>
<tokenext>The only thing I got from that was that I should buy a bunch of bikes to hide behind your car at home , at work , grocery store , clubs... It might even be worth it to just bike in front of your car .</tokentext>
<sentencetext>The only thing I got from that was that I should buy a bunch of bikes to hide behind your car at home, at work, grocery store, clubs... It might even be worth it to just bike in front of your car.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471534</id>
	<title>I'm 40 years old, never used checks</title>
	<author>freek254</author>
	<datestamp>1261050360000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I'm 40 years old, and I've never used a check. In Sweden, where I live, checks are OBSOLETE. Since long time back.

I think some people in the banking industry in the UK (and the US) needs to start learning about computers and information technology. It's about time.</htmltext>
<tokenext>I 'm 40 years old , and I 've never used a check .
In Sweden , where I live , checks are OBSOLETE .
Since long time back .
I think some people in the banking industry in the UK ( and the US ) needs to start learning about computers and information technology .
It 's about time .</tokentext>
<sentencetext>I'm 40 years old, and I've never used a check.
In Sweden, where I live, checks are OBSOLETE.
Since long time back.
I think some people in the banking industry in the UK (and the US) needs to start learning about computers and information technology.
It's about time.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30474266</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261068960000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>1</modscore>
	<htmltext><p>You appear to  unaware of the (pretty obvious) alternative model which exists in plenty of other places - USA != the rest of the world.</p><p>Speaking as someone who just moved to the US from a country with a sensible banking system, it's absolutely baffling that noone here - banks or customers - seems to have cottoned onto the idea of free account to account transfers.</p><p>That's the way I have always transferred sums of money to friends or relatives when cash wasn't convenient - it's just so much easier and more convenient - I can log into the bank website, put in the persons account number and transfer the money in a couple of minutes, with the full sum showing up their account the next day.  No waiting for cheques to clear, no trips to the bank for depositing cheques, no having to keep track of how much of your account balance is earmarked for cheques you've already writting.</p><p>It must be cheaper for the banks to provide than the processing of paper checks, yet citibank charge some absurd fee for domestic wire transfers.</p></htmltext>
<tokenext>You appear to unaware of the ( pretty obvious ) alternative model which exists in plenty of other places - USA ! = the rest of the world.Speaking as someone who just moved to the US from a country with a sensible banking system , it 's absolutely baffling that noone here - banks or customers - seems to have cottoned onto the idea of free account to account transfers.That 's the way I have always transferred sums of money to friends or relatives when cash was n't convenient - it 's just so much easier and more convenient - I can log into the bank website , put in the persons account number and transfer the money in a couple of minutes , with the full sum showing up their account the next day .
No waiting for cheques to clear , no trips to the bank for depositing cheques , no having to keep track of how much of your account balance is earmarked for cheques you 've already writting.It must be cheaper for the banks to provide than the processing of paper checks , yet citibank charge some absurd fee for domestic wire transfers .</tokentext>
<sentencetext>You appear to  unaware of the (pretty obvious) alternative model which exists in plenty of other places - USA != the rest of the world.Speaking as someone who just moved to the US from a country with a sensible banking system, it's absolutely baffling that noone here - banks or customers - seems to have cottoned onto the idea of free account to account transfers.That's the way I have always transferred sums of money to friends or relatives when cash wasn't convenient - it's just so much easier and more convenient - I can log into the bank website, put in the persons account number and transfer the money in a couple of minutes, with the full sum showing up their account the next day.
No waiting for cheques to clear, no trips to the bank for depositing cheques, no having to keep track of how much of your account balance is earmarked for cheques you've already writting.It must be cheaper for the banks to provide than the processing of paper checks, yet citibank charge some absurd fee for domestic wire transfers.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470054</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470938</id>
	<title>Re:Sounds Hard</title>
	<author>artg</author>
	<datestamp>1261044900000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>If you make a personal transaction such as buying at a boot sale and don't have sufficient cash, and your bank hasn't thoughtfully provided a terminal in the middle of a field, how do you pay ?</htmltext>
<tokenext>If you make a personal transaction such as buying at a boot sale and do n't have sufficient cash , and your bank has n't thoughtfully provided a terminal in the middle of a field , how do you pay ?</tokentext>
<sentencetext>If you make a personal transaction such as buying at a boot sale and don't have sufficient cash, and your bank hasn't thoughtfully provided a terminal in the middle of a field, how do you pay ?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470438</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471328</id>
	<title>Re:In ong run should just switch to digital cash</title>
	<author>pdunning</author>
	<datestamp>1261048620000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>If the government is driving the removal of cheques, then the government is creating the replacement. The thing is that the UK government has proved time and time again that it is technologically incompetent (eg the various databases and top secret documents that are lost or left on trains) so this won't be properly implemented.</htmltext>
<tokenext>If the government is driving the removal of cheques , then the government is creating the replacement .
The thing is that the UK government has proved time and time again that it is technologically incompetent ( eg the various databases and top secret documents that are lost or left on trains ) so this wo n't be properly implemented .</tokentext>
<sentencetext>If the government is driving the removal of cheques, then the government is creating the replacement.
The thing is that the UK government has proved time and time again that it is technologically incompetent (eg the various databases and top secret documents that are lost or left on trains) so this won't be properly implemented.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470052</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471648</id>
	<title>Where is the "Sudenoutbreakofcommonsense" tag?!</title>
	<author>Anonymous</author>
	<datestamp>1261051260000</datestamp>
	<modclass>Troll</modclass>
	<modscore>0</modscore>
	<htmltext><p>Where is the "Sudenoutbreakofcommonsense" tag when one needs one?! When I moved to the UK about two years ago I was quite shocked that cheques did exists here and have been used so much. We are in the 21st century and one still writes paper slips which takes an insane long time to be processed and cleared!? In all the countries I lived before payment by bank transfer was the most convenient thing to do. Even transfering between states in Europa (those who are modern enough to use the same currency) is free and works nowadays like a charm! So why is UK still so much behind the state of the art?</p></htmltext>
<tokenext>Where is the " Sudenoutbreakofcommonsense " tag when one needs one ? !
When I moved to the UK about two years ago I was quite shocked that cheques did exists here and have been used so much .
We are in the 21st century and one still writes paper slips which takes an insane long time to be processed and cleared ! ?
In all the countries I lived before payment by bank transfer was the most convenient thing to do .
Even transfering between states in Europa ( those who are modern enough to use the same currency ) is free and works nowadays like a charm !
So why is UK still so much behind the state of the art ?</tokentext>
<sentencetext>Where is the "Sudenoutbreakofcommonsense" tag when one needs one?!
When I moved to the UK about two years ago I was quite shocked that cheques did exists here and have been used so much.
We are in the 21st century and one still writes paper slips which takes an insane long time to be processed and cleared!?
In all the countries I lived before payment by bank transfer was the most convenient thing to do.
Even transfering between states in Europa (those who are modern enough to use the same currency) is free and works nowadays like a charm!
So why is UK still so much behind the state of the art?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30480766</id>
	<title>Re:Wrong</title>
	<author>Anonymous</author>
	<datestamp>1261051080000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><blockquote><div><p>It isn't spelt 'checks' it's 'cheques' in the UK - for fucks sake get it right.</p></div>
</blockquote><p>For fuck's sake, get "fuck's sake" right.</p></div>
	</htmltext>
<tokenext>It is n't spelt 'checks ' it 's 'cheques ' in the UK - for fucks sake get it right .
For fuck 's sake , get " fuck 's sake " right .</tokentext>
<sentencetext>It isn't spelt 'checks' it's 'cheques' in the UK - for fucks sake get it right.
For fuck's sake, get "fuck's sake" right.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30479504</id>
	<title>Checks does not exist here.</title>
	<author>PMBjornerud</author>
	<datestamp>1261045800000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I also live in a country where checks does not exist. At least I have never seen one. So the grandparent comment of <i>"I guess it could be done, but it might take some creativity."</i> is pretty much mindboggling.</p><p>Account number + amount, transfer money. Zero or low fees, depending on bank. Trust me, this is the future.</p></htmltext>
<tokenext>I also live in a country where checks does not exist .
At least I have never seen one .
So the grandparent comment of " I guess it could be done , but it might take some creativity .
" is pretty much mindboggling.Account number + amount , transfer money .
Zero or low fees , depending on bank .
Trust me , this is the future .</tokentext>
<sentencetext>I also live in a country where checks does not exist.
At least I have never seen one.
So the grandparent comment of "I guess it could be done, but it might take some creativity.
" is pretty much mindboggling.Account number + amount, transfer money.
Zero or low fees, depending on bank.
Trust me, this is the future.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470320</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472168</id>
	<title>Plenty of replacements here in Australia</title>
	<author>jonwil</author>
	<datestamp>1261056840000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I have never written a cheque in my life and the last time I received a cheque was as a present from the grandparents. Even the government was able to transfer my income tax refund directly into my bank account.</p></htmltext>
<tokenext>I have never written a cheque in my life and the last time I received a cheque was as a present from the grandparents .
Even the government was able to transfer my income tax refund directly into my bank account .</tokentext>
<sentencetext>I have never written a cheque in my life and the last time I received a cheque was as a present from the grandparents.
Even the government was able to transfer my income tax refund directly into my bank account.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471644</id>
	<title>Re:How do people pay eachother?</title>
	<author>BorgDrone</author>
	<datestamp>1261051260000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><blockquote><div><p>Taking it one step further, we could have a piece of paper that says how much to transfer, signed by the transferer to make it legal. Then there'd even be a paper trail that could be checked if there were any problems!</p><p>Not sure what to call something like that, maybe "instant signed bank-to-bank transfer guarantee on paper receipt" (or "isbtobtgopr" for short)?</p></div></blockquote><p>Except that it isn't reliable, or instant, or guaranteed (when we still had cheques here, they were only guaranteed up to 300 guilders (about 125 euro). So you'd still need a whole stack of them to pay for a car, cash would be easier.)</p><p>If someone pays me via a direct online bank transfer, I can check if the money is in my account immediately, usually doesn't take more than a minute. Also, it'll show up on my and their bank statement so you do have a paper trail.</p></div>
	</htmltext>
<tokenext>Taking it one step further , we could have a piece of paper that says how much to transfer , signed by the transferer to make it legal .
Then there 'd even be a paper trail that could be checked if there were any problems ! Not sure what to call something like that , maybe " instant signed bank-to-bank transfer guarantee on paper receipt " ( or " isbtobtgopr " for short ) ? Except that it is n't reliable , or instant , or guaranteed ( when we still had cheques here , they were only guaranteed up to 300 guilders ( about 125 euro ) .
So you 'd still need a whole stack of them to pay for a car , cash would be easier .
) If someone pays me via a direct online bank transfer , I can check if the money is in my account immediately , usually does n't take more than a minute .
Also , it 'll show up on my and their bank statement so you do have a paper trail .</tokentext>
<sentencetext>Taking it one step further, we could have a piece of paper that says how much to transfer, signed by the transferer to make it legal.
Then there'd even be a paper trail that could be checked if there were any problems!Not sure what to call something like that, maybe "instant signed bank-to-bank transfer guarantee on paper receipt" (or "isbtobtgopr" for short)?Except that it isn't reliable, or instant, or guaranteed (when we still had cheques here, they were only guaranteed up to 300 guilders (about 125 euro).
So you'd still need a whole stack of them to pay for a car, cash would be easier.
)If someone pays me via a direct online bank transfer, I can check if the money is in my account immediately, usually doesn't take more than a minute.
Also, it'll show up on my and their bank statement so you do have a paper trail.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470578</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471036</id>
	<title>Re:the US system is ridiculous if you've lived abr</title>
	<author>IrquiM</author>
	<datestamp>1261045800000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>I lived in the UK for 2 years, and let me tell you, despite a lot of things that are annoying over there, being able to transfer money easily is one thing they do well.</p></div><p>UK banks are by far the worst ones in Western Europe! And I work with banks every day, so I should know.</p><p>Personal story:<br>Couple of years ago I wanted to pay something to a UK bank, and got the answer "No, we don't accept foreign transfers!". WTF?</p></div>
	</htmltext>
<tokenext>I lived in the UK for 2 years , and let me tell you , despite a lot of things that are annoying over there , being able to transfer money easily is one thing they do well.UK banks are by far the worst ones in Western Europe !
And I work with banks every day , so I should know.Personal story : Couple of years ago I wanted to pay something to a UK bank , and got the answer " No , we do n't accept foreign transfers ! " .
WTF ?</tokentext>
<sentencetext>I lived in the UK for 2 years, and let me tell you, despite a lot of things that are annoying over there, being able to transfer money easily is one thing they do well.UK banks are by far the worst ones in Western Europe!
And I work with banks every day, so I should know.Personal story:Couple of years ago I wanted to pay something to a UK bank, and got the answer "No, we don't accept foreign transfers!".
WTF?
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470420</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471338</id>
	<title>Re:Gold</title>
	<author>MadUndergrad</author>
	<datestamp>1261048680000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Not true. Women and sheep will also be accepted at most retail outlets. Jon Stewart said so!</p></htmltext>
<tokenext>Not true .
Women and sheep will also be accepted at most retail outlets .
Jon Stewart said so !</tokentext>
<sentencetext>Not true.
Women and sheep will also be accepted at most retail outlets.
Jon Stewart said so!</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470224</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472072</id>
	<title>Re:Disaster planning?</title>
	<author>u38cg</author>
	<datestamp>1261055760000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Pay no attention to that man behind the curtain.</htmltext>
<tokenext>Pay no attention to that man behind the curtain .</tokentext>
<sentencetext>Pay no attention to that man behind the curtain.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470204</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470320</id>
	<title>Re:Sounds Hard</title>
	<author>MichaelSmith</author>
	<datestamp>1261081500000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>3</modscore>
	<htmltext><p>Here in Australia direct bank transfers pretty much fill the niche not filled by cash. The other person gives you their bank account details. You use your bank web site to transfer money to the other account.</p></htmltext>
<tokenext>Here in Australia direct bank transfers pretty much fill the niche not filled by cash .
The other person gives you their bank account details .
You use your bank web site to transfer money to the other account .</tokentext>
<sentencetext>Here in Australia direct bank transfers pretty much fill the niche not filled by cash.
The other person gives you their bank account details.
You use your bank web site to transfer money to the other account.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470526</id>
	<title>Paper Reciepts</title>
	<author>Anonymous</author>
	<datestamp>1261040400000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>I still want a paper reciept for every transaction, but dealing with them each time could be a pain. It would be easier if the banks managed them and collected them to send with your statement. They could scan them for paperless bills, and paper ones too. Obviously we'll want a standard size and layout that everyone can recognize legitimate ones vs. fakes.

Wait a minute...</htmltext>
<tokenext>I still want a paper reciept for every transaction , but dealing with them each time could be a pain .
It would be easier if the banks managed them and collected them to send with your statement .
They could scan them for paperless bills , and paper ones too .
Obviously we 'll want a standard size and layout that everyone can recognize legitimate ones vs. fakes . Wait a minute.. .</tokentext>
<sentencetext>I still want a paper reciept for every transaction, but dealing with them each time could be a pain.
It would be easier if the banks managed them and collected them to send with your statement.
They could scan them for paperless bills, and paper ones too.
Obviously we'll want a standard size and layout that everyone can recognize legitimate ones vs. fakes.

Wait a minute...</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472242</id>
	<title>Crushing dictatorships aren't needed if...</title>
	<author>Anonymous</author>
	<datestamp>1261057560000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>1</modscore>
	<htmltext><p>If whoever is in power (and it isn't necessarily the politicians) can monitor what you do, have control of your means of communications and can, on a whim, prevent you from travelling, then they don't need to put you in a concentration camp. You are already effectively under house arrest.</p><p>You know this. Somewhere in the back of your mind you realise that you are being monitored and that your movements are tracked, your behaviour has changed (well maybe you were compliant already). Good. No need for big brother to intervene there either.</p><p>A crushing dictatorship doesn't need jackboots and marching troops, nor does it need to use physical violence in order for it to exist. With the right technology there will be no need for all that. You are the perfect product of this technology. Compliant and blind.</p></htmltext>
<tokenext>If whoever is in power ( and it is n't necessarily the politicians ) can monitor what you do , have control of your means of communications and can , on a whim , prevent you from travelling , then they do n't need to put you in a concentration camp .
You are already effectively under house arrest.You know this .
Somewhere in the back of your mind you realise that you are being monitored and that your movements are tracked , your behaviour has changed ( well maybe you were compliant already ) .
Good. No need for big brother to intervene there either.A crushing dictatorship does n't need jackboots and marching troops , nor does it need to use physical violence in order for it to exist .
With the right technology there will be no need for all that .
You are the perfect product of this technology .
Compliant and blind .</tokentext>
<sentencetext>If whoever is in power (and it isn't necessarily the politicians) can monitor what you do, have control of your means of communications and can, on a whim, prevent you from travelling, then they don't need to put you in a concentration camp.
You are already effectively under house arrest.You know this.
Somewhere in the back of your mind you realise that you are being monitored and that your movements are tracked, your behaviour has changed (well maybe you were compliant already).
Good. No need for big brother to intervene there either.A crushing dictatorship doesn't need jackboots and marching troops, nor does it need to use physical violence in order for it to exist.
With the right technology there will be no need for all that.
You are the perfect product of this technology.
Compliant and blind.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470146</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30476596</id>
	<title>Electronic civilization</title>
	<author>SpaghettiPattern</author>
	<datestamp>1261078680000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I have huge respect of what the UK has brought us. But how is it that surrounding countries do not even consider checks any longer but the UK does?<br>
Provide better alternatives and checks will vanish automatically. Shouldn't be too hard as the sole advantage of a check is that you have a bit of a credit for a limited time.<br>
Where I live you mostly pay with a direct debit card with amounts up to USD 5'000. Larger purchases you pay through bank transactions that arrive on the booking day. I never ever have more than USD 200 in cash on me.</htmltext>
<tokenext>I have huge respect of what the UK has brought us .
But how is it that surrounding countries do not even consider checks any longer but the UK does ?
Provide better alternatives and checks will vanish automatically .
Should n't be too hard as the sole advantage of a check is that you have a bit of a credit for a limited time .
Where I live you mostly pay with a direct debit card with amounts up to USD 5'000 .
Larger purchases you pay through bank transactions that arrive on the booking day .
I never ever have more than USD 200 in cash on me .</tokentext>
<sentencetext>I have huge respect of what the UK has brought us.
But how is it that surrounding countries do not even consider checks any longer but the UK does?
Provide better alternatives and checks will vanish automatically.
Shouldn't be too hard as the sole advantage of a check is that you have a bit of a credit for a limited time.
Where I live you mostly pay with a direct debit card with amounts up to USD 5'000.
Larger purchases you pay through bank transactions that arrive on the booking day.
I never ever have more than USD 200 in cash on me.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471912</id>
	<title>Just as long as they don't phase out Cheques</title>
	<author>Anonymous</author>
	<datestamp>1261054140000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I think this is a daft idea, there are still lots of times where electronic banking doesn't cut it, such as payments between individuals.</p></htmltext>
<tokenext>I think this is a daft idea , there are still lots of times where electronic banking does n't cut it , such as payments between individuals .</tokentext>
<sentencetext>I think this is a daft idea, there are still lots of times where electronic banking doesn't cut it, such as payments between individuals.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470468</id>
	<title>Re:Sounds Hard</title>
	<author>olman</author>
	<datestamp>1261083000000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>I guess it could be done, but it might take some creativity.</p></div><p>Umm. No. Since most of the world can handle electronic cash transfers between banks without any hassle, there's hardly any creativity involved. Just copy the system of your preference from another country.</p><p>In most reasonable countries you can make money transfers between private accounts in an ATM. So if you're making a deal, take the guy to the ATM and give/show him the receipt of the transfer. Plus, you're going to make any deal involving reasonable money in writing, right? You can naturally do this online as well if you preferer.</p><p>Most commercial bills come with a pre-filled form you can take to a bank (if you're a granny with technophobia) or pay it on a machine or online. Bill has necessary details to make the bank transfer and a reference number that the recipients automated billing system can recognize.</p><p>In practise any semi-decent bank will let you set up a recurring payment to a private account as well so you don't have to bother to remember to do it every time when the rent is due.</p><p>Paper trail? Old fashioned people get a statement once a month on paper, rest have online account management which shows transfers for last 2 years or whatever. (and up to 5 years for a fee).</p><p>What's hard is waiting in line to turn in some daft piece of paper which is then scanned and sent as an image to a check clearing house.. At least these days they don't apparently send the physical piece around anymore which means your money is in limbo for weeks.</p></div>
	</htmltext>
<tokenext>I guess it could be done , but it might take some creativity.Umm .
No. Since most of the world can handle electronic cash transfers between banks without any hassle , there 's hardly any creativity involved .
Just copy the system of your preference from another country.In most reasonable countries you can make money transfers between private accounts in an ATM .
So if you 're making a deal , take the guy to the ATM and give/show him the receipt of the transfer .
Plus , you 're going to make any deal involving reasonable money in writing , right ?
You can naturally do this online as well if you preferer.Most commercial bills come with a pre-filled form you can take to a bank ( if you 're a granny with technophobia ) or pay it on a machine or online .
Bill has necessary details to make the bank transfer and a reference number that the recipients automated billing system can recognize.In practise any semi-decent bank will let you set up a recurring payment to a private account as well so you do n't have to bother to remember to do it every time when the rent is due.Paper trail ?
Old fashioned people get a statement once a month on paper , rest have online account management which shows transfers for last 2 years or whatever .
( and up to 5 years for a fee ) .What 's hard is waiting in line to turn in some daft piece of paper which is then scanned and sent as an image to a check clearing house.. At least these days they do n't apparently send the physical piece around anymore which means your money is in limbo for weeks .</tokentext>
<sentencetext>I guess it could be done, but it might take some creativity.Umm.
No. Since most of the world can handle electronic cash transfers between banks without any hassle, there's hardly any creativity involved.
Just copy the system of your preference from another country.In most reasonable countries you can make money transfers between private accounts in an ATM.
So if you're making a deal, take the guy to the ATM and give/show him the receipt of the transfer.
Plus, you're going to make any deal involving reasonable money in writing, right?
You can naturally do this online as well if you preferer.Most commercial bills come with a pre-filled form you can take to a bank (if you're a granny with technophobia) or pay it on a machine or online.
Bill has necessary details to make the bank transfer and a reference number that the recipients automated billing system can recognize.In practise any semi-decent bank will let you set up a recurring payment to a private account as well so you don't have to bother to remember to do it every time when the rent is due.Paper trail?
Old fashioned people get a statement once a month on paper, rest have online account management which shows transfers for last 2 years or whatever.
(and up to 5 years for a fee).What's hard is waiting in line to turn in some daft piece of paper which is then scanned and sent as an image to a check clearing house.. At least these days they don't apparently send the physical piece around anymore which means your money is in limbo for weeks.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30481842</id>
	<title>Re:Good riddance! Welcoming a cheque-free world</title>
	<author>Lunzo</author>
	<datestamp>1261057260000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Great post. Your two advantages of Cheques aren't really advantages of cheques. For both examples you could just use cash. Some other solutions to your causal gift in Australia are store gift cards or prepaid visa cards. You buy it and it comes loaded up with $X. You can usually specify the amount. Some shopping centres also let you purchase gift cards that can be used at any store in the centre. To make a purchase you just swipe it through like a normal EFT card.</htmltext>
<tokenext>Great post .
Your two advantages of Cheques are n't really advantages of cheques .
For both examples you could just use cash .
Some other solutions to your causal gift in Australia are store gift cards or prepaid visa cards .
You buy it and it comes loaded up with $ X .
You can usually specify the amount .
Some shopping centres also let you purchase gift cards that can be used at any store in the centre .
To make a purchase you just swipe it through like a normal EFT card .</tokentext>
<sentencetext>Great post.
Your two advantages of Cheques aren't really advantages of cheques.
For both examples you could just use cash.
Some other solutions to your causal gift in Australia are store gift cards or prepaid visa cards.
You buy it and it comes loaded up with $X.
You can usually specify the amount.
Some shopping centres also let you purchase gift cards that can be used at any store in the centre.
To make a purchase you just swipe it through like a normal EFT card.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471138</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30473092</id>
	<title>Re:Sounds Hard</title>
	<author>Cimexus</author>
	<datestamp>1261064280000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I suppose theoretically that is a problem<nobr> <wbr></nobr>... but in practice I've NEVER run into it (coming from someone who has never used or even really seen a cheque in their life. If you're going to someone's random garage sale or something, you know to bring cash. Everyone else (i.e. everyone who is an actual retailer) has a EFT/debit/credit card swipe thingy.</p></htmltext>
<tokenext>I suppose theoretically that is a problem ... but in practice I 've NEVER run into it ( coming from someone who has never used or even really seen a cheque in their life .
If you 're going to someone 's random garage sale or something , you know to bring cash .
Everyone else ( i.e .
everyone who is an actual retailer ) has a EFT/debit/credit card swipe thingy .</tokentext>
<sentencetext>I suppose theoretically that is a problem ... but in practice I've NEVER run into it (coming from someone who has never used or even really seen a cheque in their life.
If you're going to someone's random garage sale or something, you know to bring cash.
Everyone else (i.e.
everyone who is an actual retailer) has a EFT/debit/credit card swipe thingy.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470938</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472678</id>
	<title>Re:Gold</title>
	<author>Vintermann</author>
	<datestamp>1261061760000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>You can build huts out of gold.</p><p>Or at least, you could in the stone age.</p><p>Or at least, there is a rather oddly themed board game that suggests this.</p></htmltext>
<tokenext>You can build huts out of gold.Or at least , you could in the stone age.Or at least , there is a rather oddly themed board game that suggests this .</tokentext>
<sentencetext>You can build huts out of gold.Or at least, you could in the stone age.Or at least, there is a rather oddly themed board game that suggests this.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470802</id>
	<title>Re:How do people pay eachother?</title>
	<author>footnmouth</author>
	<datestamp>1261043340000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>It's &pound;9,999 here in the UK, not that many people realise it, but in theory if you are offered more than this as cash you have to report it to the FSA, our wonderful govmnt institution that had no idea that the banks were massively over geared, despite this being one of their more important tasks.</htmltext>
<tokenext>It 's   9,999 here in the UK , not that many people realise it , but in theory if you are offered more than this as cash you have to report it to the FSA , our wonderful govmnt institution that had no idea that the banks were massively over geared , despite this being one of their more important tasks .</tokentext>
<sentencetext>It's £9,999 here in the UK, not that many people realise it, but in theory if you are offered more than this as cash you have to report it to the FSA, our wonderful govmnt institution that had no idea that the banks were massively over geared, despite this being one of their more important tasks.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470054</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30476320</id>
	<title>Huge problem for the poor and non-profits (church)</title>
	<author>markdj</author>
	<datestamp>1261077660000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>The poor and many small non-profits do not have access to mechanisms where they can accept credit or debit cards. Most churches get their contributions by cash or check (cheque?). You can't put a credit card in the collection plate! Poor people who have no bank account also cannot accept cards or electronic funds transfer</htmltext>
<tokenext>The poor and many small non-profits do not have access to mechanisms where they can accept credit or debit cards .
Most churches get their contributions by cash or check ( cheque ? ) .
You ca n't put a credit card in the collection plate !
Poor people who have no bank account also can not accept cards or electronic funds transfer</tokentext>
<sentencetext>The poor and many small non-profits do not have access to mechanisms where they can accept credit or debit cards.
Most churches get their contributions by cash or check (cheque?).
You can't put a credit card in the collection plate!
Poor people who have no bank account also cannot accept cards or electronic funds transfer</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30473036</id>
	<title>Re:Sounds Hard</title>
	<author>Cimexus</author>
	<datestamp>1261063980000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Indeed. Cheques are essentially dead in Australia (and most other countries). I've never had a cheque account. Neither has anyone else I know. But the first time I visited the US, I saw people paying for stuff at a supermarket with a cheque, and I was amazed. I barely knew what a cheque even was, to be honest<nobr> <wbr></nobr>... I don't think I've even ~seen~ a cheque in over 15 years here in Australia.</p><p>EFTPOS (EFT at the Point of Sale, aka. debit cards) has replaced cheques for retail purposes. I think you'd be hard pressed to find a store in Australia that accepted a cheque now.</p><p>As for "paying random people", you just go onto your bank's website, click "transfer", enter their account name and account number, and click 'Send'. They'll receive the money almost instantly if they are with the same bank, otherwise it's usually the next business day. Very handy actually because once you send money to someone the first time, they are added to your little 'address book' on the bank site and you can pay them with about 2 clicks from then on. This is also how things like rent is usually paid.</p></htmltext>
<tokenext>Indeed .
Cheques are essentially dead in Australia ( and most other countries ) .
I 've never had a cheque account .
Neither has anyone else I know .
But the first time I visited the US , I saw people paying for stuff at a supermarket with a cheque , and I was amazed .
I barely knew what a cheque even was , to be honest ... I do n't think I 've even ~ seen ~ a cheque in over 15 years here in Australia.EFTPOS ( EFT at the Point of Sale , aka .
debit cards ) has replaced cheques for retail purposes .
I think you 'd be hard pressed to find a store in Australia that accepted a cheque now.As for " paying random people " , you just go onto your bank 's website , click " transfer " , enter their account name and account number , and click 'Send' .
They 'll receive the money almost instantly if they are with the same bank , otherwise it 's usually the next business day .
Very handy actually because once you send money to someone the first time , they are added to your little 'address book ' on the bank site and you can pay them with about 2 clicks from then on .
This is also how things like rent is usually paid .</tokentext>
<sentencetext>Indeed.
Cheques are essentially dead in Australia (and most other countries).
I've never had a cheque account.
Neither has anyone else I know.
But the first time I visited the US, I saw people paying for stuff at a supermarket with a cheque, and I was amazed.
I barely knew what a cheque even was, to be honest ... I don't think I've even ~seen~ a cheque in over 15 years here in Australia.EFTPOS (EFT at the Point of Sale, aka.
debit cards) has replaced cheques for retail purposes.
I think you'd be hard pressed to find a store in Australia that accepted a cheque now.As for "paying random people", you just go onto your bank's website, click "transfer", enter their account name and account number, and click 'Send'.
They'll receive the money almost instantly if they are with the same bank, otherwise it's usually the next business day.
Very handy actually because once you send money to someone the first time, they are added to your little 'address book' on the bank site and you can pay them with about 2 clicks from then on.
This is also how things like rent is usually paid.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470320</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30473456</id>
	<title>Re:Small Businesses Will Take a Hit</title>
	<author>Anonymous</author>
	<datestamp>1261065900000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I take it as a sign of the backwards nature of the US banking system that US slashdot users have no even heard of the concept of an electronic funds transfer.</p><p>To Europe and Australia it is the idea of cheques that are unthinkable since we've been phasing them out for so long.  I wrote my first cheque ever when I moved to Canada, having spent over a decade without even owning a cheque book in Australia.</p></htmltext>
<tokenext>I take it as a sign of the backwards nature of the US banking system that US slashdot users have no even heard of the concept of an electronic funds transfer.To Europe and Australia it is the idea of cheques that are unthinkable since we 've been phasing them out for so long .
I wrote my first cheque ever when I moved to Canada , having spent over a decade without even owning a cheque book in Australia .</tokentext>
<sentencetext>I take it as a sign of the backwards nature of the US banking system that US slashdot users have no even heard of the concept of an electronic funds transfer.To Europe and Australia it is the idea of cheques that are unthinkable since we've been phasing them out for so long.
I wrote my first cheque ever when I moved to Canada, having spent over a decade without even owning a cheque book in Australia.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470704</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30475300</id>
	<title>Best of both worlds?</title>
	<author>orangedan</author>
	<datestamp>1261073340000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>Can we not get nice European bank transfers as well as keep cheques?  I use cheques and online banking about the same amount, and find both useful.</htmltext>
<tokenext>Can we not get nice European bank transfers as well as keep cheques ?
I use cheques and online banking about the same amount , and find both useful .</tokentext>
<sentencetext>Can we not get nice European bank transfers as well as keep cheques?
I use cheques and online banking about the same amount, and find both useful.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470578</id>
	<title>Re:How do people pay eachother?</title>
	<author>Weirsbaski</author>
	<datestamp>1261040940000</datestamp>
	<modclass>Funny</modclass>
	<modscore>4</modscore>
	<htmltext><blockquote><div><p> &gt; If I wanted to buy a car from somebody, how would I do it?<br>
<br>
Transfer money from your bank account directly to theirs ?</p></div>
</blockquote><p>
Taking it one step further, we could have a piece of paper that says how much to transfer, signed by the transferer to make it legal.  Then there'd even be a paper trail that could be checked if there were any problems!<br>
<br>
Not sure what to call something like that, maybe "instant signed bank-to-bank transfer guarantee on paper receipt" (or "isbtobtgopr" for short)?</p></div>
	</htmltext>
<tokenext>&gt; If I wanted to buy a car from somebody , how would I do it ?
Transfer money from your bank account directly to theirs ?
Taking it one step further , we could have a piece of paper that says how much to transfer , signed by the transferer to make it legal .
Then there 'd even be a paper trail that could be checked if there were any problems !
Not sure what to call something like that , maybe " instant signed bank-to-bank transfer guarantee on paper receipt " ( or " isbtobtgopr " for short ) ?</tokentext>
<sentencetext> &gt; If I wanted to buy a car from somebody, how would I do it?
Transfer money from your bank account directly to theirs ?
Taking it one step further, we could have a piece of paper that says how much to transfer, signed by the transferer to make it legal.
Then there'd even be a paper trail that could be checked if there were any problems!
Not sure what to call something like that, maybe "instant signed bank-to-bank transfer guarantee on paper receipt" (or "isbtobtgopr" for short)?
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470224</id>
	<title>Gold</title>
	<author>Anonymous</author>
	<datestamp>1261080720000</datestamp>
	<modclass>Funny</modclass>
	<modscore>4</modscore>
	<htmltext><p>Gold is about the only thing that's going to be worth anything by 2018. Maybe they should be phasing out cash too.</p></htmltext>
<tokenext>Gold is about the only thing that 's going to be worth anything by 2018 .
Maybe they should be phasing out cash too .</tokentext>
<sentencetext>Gold is about the only thing that's going to be worth anything by 2018.
Maybe they should be phasing out cash too.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469970</id>
	<title>Spelling nazi...</title>
	<author>Anonymous</author>
	<datestamp>1259696460000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>1</modscore>
	<htmltext><p>It's cheque.</p></htmltext>
<tokenext>It 's cheque .</tokentext>
<sentencetext>It's cheque.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471192</id>
	<title>Re:Wrong</title>
	<author>bigdaisy</author>
	<datestamp>1261047240000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Should that be, "for fuque's sake"?</p></htmltext>
<tokenext>Should that be , " for fuque 's sake " ?</tokentext>
<sentencetext>Should that be, "for fuque's sake"?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470012</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470994</id>
	<title>Re:the US system is ridiculous if you've lived abr</title>
	<author>IBBoard</author>
	<datestamp>1261045500000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><blockquote><div><p>For all the people in the US who worry about account security, isn't it funny, they don't seem to have problems with this system where you give your account number to someone else.</p></div> </blockquote><p>Well, Jeremy Clarkson <a href="http://news.bbc.co.uk/1/hi/7174760.stm" title="bbc.co.uk">may disagree with you</a> [bbc.co.uk]. He was stung after putting his account details in a national paper. Granted, it was only possible with a charity (apparently), but still, people can take as well as deposit money using your account details<nobr> <wbr></nobr>:)</p></div>
	</htmltext>
<tokenext>For all the people in the US who worry about account security , is n't it funny , they do n't seem to have problems with this system where you give your account number to someone else .
Well , Jeremy Clarkson may disagree with you [ bbc.co.uk ] .
He was stung after putting his account details in a national paper .
Granted , it was only possible with a charity ( apparently ) , but still , people can take as well as deposit money using your account details : )</tokentext>
<sentencetext>For all the people in the US who worry about account security, isn't it funny, they don't seem to have problems with this system where you give your account number to someone else.
Well, Jeremy Clarkson may disagree with you [bbc.co.uk].
He was stung after putting his account details in a national paper.
Granted, it was only possible with a charity (apparently), but still, people can take as well as deposit money using your account details :)
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470420</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30482534</id>
	<title>Re:Sounds Hard</title>
	<author>MattXonn</author>
	<datestamp>1261061760000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>To add some more context to this, in Australia I would prefer to receive month from a direct bank transfer than a cheque. Cheques still exist but the bank will charge me for depositing a cheque. An electronic deposit is free. The banks have realised that it costs them to process a cheque more than a direct bank transfer.

Now if you were charged for depositing a check but not for direct bank transfers that you can be done easily by the payer using their internet banking, which would you choose?</htmltext>
<tokenext>To add some more context to this , in Australia I would prefer to receive month from a direct bank transfer than a cheque .
Cheques still exist but the bank will charge me for depositing a cheque .
An electronic deposit is free .
The banks have realised that it costs them to process a cheque more than a direct bank transfer .
Now if you were charged for depositing a check but not for direct bank transfers that you can be done easily by the payer using their internet banking , which would you choose ?</tokentext>
<sentencetext>To add some more context to this, in Australia I would prefer to receive month from a direct bank transfer than a cheque.
Cheques still exist but the bank will charge me for depositing a cheque.
An electronic deposit is free.
The banks have realised that it costs them to process a cheque more than a direct bank transfer.
Now if you were charged for depositing a check but not for direct bank transfers that you can be done easily by the payer using their internet banking, which would you choose?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470320</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471414</id>
	<title>Re:Checks and transfers</title>
	<author>cgenman</author>
	<datestamp>1261049160000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext><p>At the risk of overposting in this thread, never accept a normal check for a car.  You want a money order or a bank certified check (which really isn't a check at all).  Accepting a normal check for a car is just asking for fraud.</p></htmltext>
<tokenext>At the risk of overposting in this thread , never accept a normal check for a car .
You want a money order or a bank certified check ( which really is n't a check at all ) .
Accepting a normal check for a car is just asking for fraud .</tokentext>
<sentencetext>At the risk of overposting in this thread, never accept a normal check for a car.
You want a money order or a bank certified check (which really isn't a check at all).
Accepting a normal check for a car is just asking for fraud.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470538</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30474530</id>
	<title>Re:How do people pay eachother?</title>
	<author>cbreak</author>
	<datestamp>1261070100000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>I'd call it "sale contract"</p></htmltext>
<tokenext>I 'd call it " sale contract "</tokentext>
<sentencetext>I'd call it "sale contract"</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470578</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470492</id>
	<title>Once the cheques and bank notes are gone ...</title>
	<author>dltaylor</author>
	<datestamp>1261083300000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>1</modscore>
	<htmltext><p>Every transaction will be traceable by the "benevolent" power-that-be; not for anything but the purest of motives, of course.</p><p>Just from the absolutely ludicrous statement "... the board will be especially concerned that the needs of elderly and vulnerable people are met", which anyone with enough functional brain cells to form a synapse can tell is pure propaganda, you should know that there is another agenda entirely.</p></htmltext>
<tokenext>Every transaction will be traceable by the " benevolent " power-that-be ; not for anything but the purest of motives , of course.Just from the absolutely ludicrous statement " ... the board will be especially concerned that the needs of elderly and vulnerable people are met " , which anyone with enough functional brain cells to form a synapse can tell is pure propaganda , you should know that there is another agenda entirely .</tokentext>
<sentencetext>Every transaction will be traceable by the "benevolent" power-that-be; not for anything but the purest of motives, of course.Just from the absolutely ludicrous statement "... the board will be especially concerned that the needs of elderly and vulnerable people are met", which anyone with enough functional brain cells to form a synapse can tell is pure propaganda, you should know that there is another agenda entirely.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471324</id>
	<title>Re:WTF is a check?</title>
	<author>Tim C</author>
	<datestamp>1261048620000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><i>I don't understand this fear of online payment in the US.</i></p><p>I know they spelt it wrong, but you do realise that this is a story about <b>UK</b> banks wanting to phase out cheques, right?</p><p>Besides, online payment isn't always an option - do you expect a pensioner who has no PC to be able to use an online service to pay a bill, or a tradesman, etc?</p></htmltext>
<tokenext>I do n't understand this fear of online payment in the US.I know they spelt it wrong , but you do realise that this is a story about UK banks wanting to phase out cheques , right ? Besides , online payment is n't always an option - do you expect a pensioner who has no PC to be able to use an online service to pay a bill , or a tradesman , etc ?</tokentext>
<sentencetext>I don't understand this fear of online payment in the US.I know they spelt it wrong, but you do realise that this is a story about UK banks wanting to phase out cheques, right?Besides, online payment isn't always an option - do you expect a pensioner who has no PC to be able to use an online service to pay a bill, or a tradesman, etc?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470758</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470762</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261042680000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>In Finland at least we just use bank transfer. I just bought a car - I just logged into my web bank, made the transfer, printed out the receipt of the payment at the car shop (they can see the transfer immediatly on their web bank too).</p><p>I've never, ever seen anyone using (or even accepting) checks here =P</p><p>Oh yeah, and my bank officially supports Firefox, Opera, IE, Safari, and even a freaking Netscape (!)<nobr> <wbr></nobr>:-)</p></htmltext>
<tokenext>In Finland at least we just use bank transfer .
I just bought a car - I just logged into my web bank , made the transfer , printed out the receipt of the payment at the car shop ( they can see the transfer immediatly on their web bank too ) .I 've never , ever seen anyone using ( or even accepting ) checks here = POh yeah , and my bank officially supports Firefox , Opera , IE , Safari , and even a freaking Netscape ( !
) : - )</tokentext>
<sentencetext>In Finland at least we just use bank transfer.
I just bought a car - I just logged into my web bank, made the transfer, printed out the receipt of the payment at the car shop (they can see the transfer immediatly on their web bank too).I've never, ever seen anyone using (or even accepting) checks here =POh yeah, and my bank officially supports Firefox, Opera, IE, Safari, and even a freaking Netscape (!
) :-)</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470054</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470254</id>
	<title>Re:In ong run should just switch to digital cash</title>
	<author>Anonymous</author>
	<datestamp>1261080900000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>No.</p><p>The more the government tightens its grip, the more stagnant the economomy becomes.  I believe they'll only push digital cash if the government can tax every red cent that it can.  They first came for the gold in the 1930s and what was left were fiat greenbacks.</p><p>Now all that will be left are binary 1s and 0s?</p><p>Don't sign me up.  I'll deal with the hassles of cash, thank you very much.</p><p>Oh, and replace the ridiculous and costly-to-administer-and-enforce tax system with something sane:<br><a href="http://www.apttax.com/" title="apttax.com">http://www.apttax.com/</a> [apttax.com]</p></htmltext>
<tokenext>No.The more the government tightens its grip , the more stagnant the economomy becomes .
I believe they 'll only push digital cash if the government can tax every red cent that it can .
They first came for the gold in the 1930s and what was left were fiat greenbacks.Now all that will be left are binary 1s and 0s ? Do n't sign me up .
I 'll deal with the hassles of cash , thank you very much.Oh , and replace the ridiculous and costly-to-administer-and-enforce tax system with something sane : http : //www.apttax.com/ [ apttax.com ]</tokentext>
<sentencetext>No.The more the government tightens its grip, the more stagnant the economomy becomes.
I believe they'll only push digital cash if the government can tax every red cent that it can.
They first came for the gold in the 1930s and what was left were fiat greenbacks.Now all that will be left are binary 1s and 0s?Don't sign me up.
I'll deal with the hassles of cash, thank you very much.Oh, and replace the ridiculous and costly-to-administer-and-enforce tax system with something sane:http://www.apttax.com/ [apttax.com]</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470052</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30474282</id>
	<title>Cheques are good for asychronous money transfer</title>
	<author>Valacosa</author>
	<datestamp>1261069020000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Most of the comments I've read are in the context of using cheques to pay for retail purchases. Yeah, that's bad.</p><p>I don't use cheques to pay for anything, except one item: my rent. Cheques actually solve that problem pretty well.</p><p>See, my landlord (essentially just a guy I live with) doesn't have the infrastructure set up for electronic money transfer, nor should he. So I can't pay by debit, and it would strain my withdrawal limit to hand him $425 cash every month. What to do then?</p><p>I can just leave a cheque on the fridge, and he can cash it whenever. Debit and credit are suited to retail (cashier and customer are together, money needs to be transferred <i>now</i>) but cheques are well suited to money transfers where both parties aren't at the same place at the same time. </p></htmltext>
<tokenext>Most of the comments I 've read are in the context of using cheques to pay for retail purchases .
Yeah , that 's bad.I do n't use cheques to pay for anything , except one item : my rent .
Cheques actually solve that problem pretty well.See , my landlord ( essentially just a guy I live with ) does n't have the infrastructure set up for electronic money transfer , nor should he .
So I ca n't pay by debit , and it would strain my withdrawal limit to hand him $ 425 cash every month .
What to do then ? I can just leave a cheque on the fridge , and he can cash it whenever .
Debit and credit are suited to retail ( cashier and customer are together , money needs to be transferred now ) but cheques are well suited to money transfers where both parties are n't at the same place at the same time .</tokentext>
<sentencetext>Most of the comments I've read are in the context of using cheques to pay for retail purchases.
Yeah, that's bad.I don't use cheques to pay for anything, except one item: my rent.
Cheques actually solve that problem pretty well.See, my landlord (essentially just a guy I live with) doesn't have the infrastructure set up for electronic money transfer, nor should he.
So I can't pay by debit, and it would strain my withdrawal limit to hand him $425 cash every month.
What to do then?I can just leave a cheque on the fridge, and he can cash it whenever.
Debit and credit are suited to retail (cashier and customer are together, money needs to be transferred now) but cheques are well suited to money transfers where both parties aren't at the same place at the same time. </sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471380</id>
	<title>Translation</title>
	<author>dugeen</author>
	<datestamp>1261048920000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext>'Only if alternatives are developed' = APACS will come up with some inadequate, fraud-prone solution involving debit cards. They'll claim it's an alternative and use that as an excuse for abolishing cheques. There'll be about 5-10 years of widespread abuse and then the FSA will tighten up the rules. It was the same with Chip &amp; Fraud cards, it'll be the same with contactless debit cards.</htmltext>
<tokenext>'Only if alternatives are developed ' = APACS will come up with some inadequate , fraud-prone solution involving debit cards .
They 'll claim it 's an alternative and use that as an excuse for abolishing cheques .
There 'll be about 5-10 years of widespread abuse and then the FSA will tighten up the rules .
It was the same with Chip &amp; Fraud cards , it 'll be the same with contactless debit cards .</tokentext>
<sentencetext>'Only if alternatives are developed' = APACS will come up with some inadequate, fraud-prone solution involving debit cards.
They'll claim it's an alternative and use that as an excuse for abolishing cheques.
There'll be about 5-10 years of widespread abuse and then the FSA will tighten up the rules.
It was the same with Chip &amp; Fraud cards, it'll be the same with contactless debit cards.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470866</id>
	<title>Re:How do people pay eachother?</title>
	<author>artg</author>
	<datestamp>1261044300000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>And how do you do that in a way that can be conducted between two semi-trusting parties ?

If I buy something using a cheque, I hand over my bit of paper in return for the goods. There is the possibility of refusing to hand one of the items over right up to the point of sale or even snatch it back afterwards. If I have to authorise my transfer online in advance, or check it's there afterward, where is my control over the transaction ?</htmltext>
<tokenext>And how do you do that in a way that can be conducted between two semi-trusting parties ?
If I buy something using a cheque , I hand over my bit of paper in return for the goods .
There is the possibility of refusing to hand one of the items over right up to the point of sale or even snatch it back afterwards .
If I have to authorise my transfer online in advance , or check it 's there afterward , where is my control over the transaction ?</tokentext>
<sentencetext>And how do you do that in a way that can be conducted between two semi-trusting parties ?
If I buy something using a cheque, I hand over my bit of paper in return for the goods.
There is the possibility of refusing to hand one of the items over right up to the point of sale or even snatch it back afterwards.
If I have to authorise my transfer online in advance, or check it's there afterward, where is my control over the transaction ?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472082</id>
	<title>Re:Money spinner</title>
	<author>physicsphairy</author>
	<datestamp>1261055880000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Personal cheques are a purely a cost to the average bank, shuffling paper and checking signatures does not make them scads of cash.</p></div><p>Au contraire, they make plenty of money off of <em>bounced</em> checks.

</p><p>People who use checks often do so to take advantage of the time it takes to be mailed/cashed/processed, i.e., they are living on the edge of their account's holdings.

</p><p>It is also easier to lose track of how much you actually have if you keep track on paper.

</p><p>There's not really any kind of transactions banks don't make plenty of money off us.  (why would they continue to honor any other kind?)</p></div>
	</htmltext>
<tokenext>Personal cheques are a purely a cost to the average bank , shuffling paper and checking signatures does not make them scads of cash.Au contraire , they make plenty of money off of bounced checks .
People who use checks often do so to take advantage of the time it takes to be mailed/cashed/processed , i.e. , they are living on the edge of their account 's holdings .
It is also easier to lose track of how much you actually have if you keep track on paper .
There 's not really any kind of transactions banks do n't make plenty of money off us .
( why would they continue to honor any other kind ?
)</tokentext>
<sentencetext>Personal cheques are a purely a cost to the average bank, shuffling paper and checking signatures does not make them scads of cash.Au contraire, they make plenty of money off of bounced checks.
People who use checks often do so to take advantage of the time it takes to be mailed/cashed/processed, i.e., they are living on the edge of their account's holdings.
It is also easier to lose track of how much you actually have if you keep track on paper.
There's not really any kind of transactions banks don't make plenty of money off us.
(why would they continue to honor any other kind?
)
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470446</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471242</id>
	<title>Re:How do people pay eachother?</title>
	<author>dargaud</author>
	<datestamp>1261047840000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext>I'm also in Europe and seldom use checks, but there are still many instances when you need them. Go to a store and buy something relatively expensive: a kitchen, a load of wood, a 2nd hand car... You can't use a credit card without maxing it. Granted, above a certain value you need to arrange for bank transfers.</htmltext>
<tokenext>I 'm also in Europe and seldom use checks , but there are still many instances when you need them .
Go to a store and buy something relatively expensive : a kitchen , a load of wood , a 2nd hand car... You ca n't use a credit card without maxing it .
Granted , above a certain value you need to arrange for bank transfers .</tokentext>
<sentencetext>I'm also in Europe and seldom use checks, but there are still many instances when you need them.
Go to a store and buy something relatively expensive: a kitchen, a load of wood, a 2nd hand car... You can't use a credit card without maxing it.
Granted, above a certain value you need to arrange for bank transfers.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470458</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30488436</id>
	<title>Re:Small Businesses Will Take a Hit</title>
	<author>tehcyder</author>
	<datestamp>1261156740000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><blockquote><div><p> that &pound;400 represents our profit for an entire summer.</p></div>
</blockquote><p>
What's the point then?</p></div>
	</htmltext>
<tokenext>that   400 represents our profit for an entire summer .
What 's the point then ?</tokentext>
<sentencetext> that £400 represents our profit for an entire summer.
What's the point then?
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470704</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469956</id>
	<title>Good Riddance</title>
	<author>Ethanol-fueled</author>
	<datestamp>1259696340000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>4</modscore>
	<htmltext>No more old ladies holding up the line for an hour because they're too technophobic to use a debit card. <br> <br>

I'll shit bricks when they outlaw <i>cash</i>.</htmltext>
<tokenext>No more old ladies holding up the line for an hour because they 're too technophobic to use a debit card .
I 'll shit bricks when they outlaw cash .</tokentext>
<sentencetext>No more old ladies holding up the line for an hour because they're too technophobic to use a debit card.
I'll shit bricks when they outlaw cash.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472432</id>
	<title>Re:check vs. cheque</title>
	<author>TheRaven64</author>
	<datestamp>1261059660000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>It's a US thing.  They 'simplified' the language by turning two homophones that had different spellings and meanings into the same spelling.  They also use 'check' to mean the thing that tells you how much you owe for a meal, so in US English you check the check then write a check, while in English you check the bill then pay by cheque.</htmltext>
<tokenext>It 's a US thing .
They 'simplified ' the language by turning two homophones that had different spellings and meanings into the same spelling .
They also use 'check ' to mean the thing that tells you how much you owe for a meal , so in US English you check the check then write a check , while in English you check the bill then pay by cheque .</tokentext>
<sentencetext>It's a US thing.
They 'simplified' the language by turning two homophones that had different spellings and meanings into the same spelling.
They also use 'check' to mean the thing that tells you how much you owe for a meal, so in US English you check the check then write a check, while in English you check the bill then pay by cheque.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470642</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30491410</id>
	<title>Re:Wrongue</title>
	<author>aqk</author>
	<datestamp>1261167420000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext>.  Last time I czeched, spelt was a flour.</htmltext>
<tokenext>.
Last time I czeched , spelt was a flour .</tokentext>
<sentencetext>.
Last time I czeched, spelt was a flour.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30477294</id>
	<title>Re:How about using the mobile phones?</title>
	<author>Cederic</author>
	<datestamp>1261081140000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>My phone has no IR receiver. I think.</p><p>Most phones couldn't encrypt SMS (without significant firmware upgrades). Without encryption (and digital signing) you'd be wide open to fraud.</p><p>Many consumers don't want their bank account linked to their phone; you'd struggle for acceptance of this scheme.</p><p>Mobile phones are not reliable. They break, get lost, get stolen, get loaned out and have limited battery life.</p><p>So aside from the reasons your scheme wont work, would you recommend Tandoori or Balti for the curried phone?</p></htmltext>
<tokenext>My phone has no IR receiver .
I think.Most phones could n't encrypt SMS ( without significant firmware upgrades ) .
Without encryption ( and digital signing ) you 'd be wide open to fraud.Many consumers do n't want their bank account linked to their phone ; you 'd struggle for acceptance of this scheme.Mobile phones are not reliable .
They break , get lost , get stolen , get loaned out and have limited battery life.So aside from the reasons your scheme wont work , would you recommend Tandoori or Balti for the curried phone ?</tokentext>
<sentencetext>My phone has no IR receiver.
I think.Most phones couldn't encrypt SMS (without significant firmware upgrades).
Without encryption (and digital signing) you'd be wide open to fraud.Many consumers don't want their bank account linked to their phone; you'd struggle for acceptance of this scheme.Mobile phones are not reliable.
They break, get lost, get stolen, get loaned out and have limited battery life.So aside from the reasons your scheme wont work, would you recommend Tandoori or Balti for the curried phone?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471796</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471188</id>
	<title>Re:Sounds Hard</title>
	<author>Anonymous</author>
	<datestamp>1261047180000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Ditto in Korea.  I pretty much pay everything in one of three ways: cash, debit, or bank transfer.  Bank transfers can be done via website or at any ATM.</p><p>It's super effective!</p></htmltext>
<tokenext>Ditto in Korea .
I pretty much pay everything in one of three ways : cash , debit , or bank transfer .
Bank transfers can be done via website or at any ATM.It 's super effective !</tokentext>
<sentencetext>Ditto in Korea.
I pretty much pay everything in one of three ways: cash, debit, or bank transfer.
Bank transfers can be done via website or at any ATM.It's super effective!</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470320</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</id>
	<title>Wrong</title>
	<author>Anonymous</author>
	<datestamp>1259696340000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>5</modscore>
	<htmltext>It isn't spelt 'checks' it's 'cheques' in the UK - for fucks sake get it right.</htmltext>
<tokenext>It is n't spelt 'checks ' it 's 'cheques ' in the UK - for fucks sake get it right .</tokentext>
<sentencetext>It isn't spelt 'checks' it's 'cheques' in the UK - for fucks sake get it right.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470542</id>
	<title>Checks?</title>
	<author>Anonymous</author>
	<datestamp>1261040520000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>1</modscore>
	<htmltext><p>Those paper slips that serve as criminal plot points in American movies? They're real?!</p><p>I thought they were like rotating fireplaces, rings with poison and cars that explode when they crash.</p></htmltext>
<tokenext>Those paper slips that serve as criminal plot points in American movies ?
They 're real ?
! I thought they were like rotating fireplaces , rings with poison and cars that explode when they crash .</tokentext>
<sentencetext>Those paper slips that serve as criminal plot points in American movies?
They're real?
!I thought they were like rotating fireplaces, rings with poison and cars that explode when they crash.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470126</id>
	<title>Re:I thought they were already gone in EU</title>
	<author>Reisrdok</author>
	<datestamp>1261080000000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I also thought that checks were mostly gone after year 2000<nobr> <wbr></nobr>:D I mean, I can access my bank accounts and make payments with my cell phone's browser, check seems kind of ancient. But I guess check has it's advantages then.</htmltext>
<tokenext>I also thought that checks were mostly gone after year 2000 : D I mean , I can access my bank accounts and make payments with my cell phone 's browser , check seems kind of ancient .
But I guess check has it 's advantages then .</tokentext>
<sentencetext>I also thought that checks were mostly gone after year 2000 :D I mean, I can access my bank accounts and make payments with my cell phone's browser, check seems kind of ancient.
But I guess check has it's advantages then.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469990</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472298</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261058340000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Tell you what. Give me $50,000 to drive around with, and I'll test your theory out. K?</p></htmltext>
<tokenext>Tell you what .
Give me $ 50,000 to drive around with , and I 'll test your theory out .
K ?</tokentext>
<sentencetext>Tell you what.
Give me $50,000 to drive around with, and I'll test your theory out.
K?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470054</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472986</id>
	<title>Re:Gold</title>
	<author>wtbname</author>
	<datestamp>1261063740000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Girls Like You<br>Your Net Worth<br>Very Carefully<br>Yeah about this much: E=MC^2</p></htmltext>
<tokenext>Girls Like YouYour Net WorthVery CarefullyYeah about this much : E = MC ^ 2</tokentext>
<sentencetext>Girls Like YouYour Net WorthVery CarefullyYeah about this much: E=MC^2</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470440</id>
	<title>car analogy</title>
	<author>Anonymous</author>
	<datestamp>1261082640000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>If you buy a british car in the US, you will get the steering wheel on the left side.<br>Same goes for spelling on a US site.</p><p>Oh, in case you don't know what a "steering wheel" is, it's what you call a "driving wheel".</p></htmltext>
<tokenext>If you buy a british car in the US , you will get the steering wheel on the left side.Same goes for spelling on a US site.Oh , in case you do n't know what a " steering wheel " is , it 's what you call a " driving wheel " .</tokentext>
<sentencetext>If you buy a british car in the US, you will get the steering wheel on the left side.Same goes for spelling on a US site.Oh, in case you don't know what a "steering wheel" is, it's what you call a "driving wheel".</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472364</id>
	<title>Cheques have real value</title>
	<author>joneil</author>
	<datestamp>1261058940000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>  For business purposes I use cheques all the time.  I don't know if  any of you have ever had a tax audit, but when dealing with governments, papers ALWAYS wins over any "e-statment" or any other electronic form of information keeping, or at least, that has been my direct, first hand experience.     Last time the government looked me over for anything, they never took a penny form me for two reasons : 1) I knew the law like the back of my hand;  2) I had PAPER to back up every single statement I made, including canceled cheques.</p><p>
&nbsp; &nbsp; &nbsp; You see, at least what I was told, when you have a cheque in your hand, you have physical evidence, fingerprints, personal handwriting, etc.  Heck, maybe even some left over DNA somewhere.   You cannot fake that, but some people can very easily fake electronic financial statements.</p><p>
&nbsp; &nbsp; &nbsp; &nbsp; I also find that at least once a year, somebody, somewhere, individual, business or even a government agency claims I didn't pay a bill, and then I go pull out my canceled cheque, wave it in front of them, and watch the dumbfounded look on their faces.    Now here's the thing that scares me. If I find an error at least once a year, how many errors are there out there every year, how may people are NOT looking closely at their accounts and keeping close track of them?  In find electronic statements are often wrought with error, and most people trust a computer before they trust themselves.</p><p>
&nbsp; &nbsp; &nbsp; Another thing about cheques is that you - believe it or not - have very few bad payments or even fraud or ripoffs.  Seriously.  My business take no credit card or debit card, and my bad debts/losses are almost non existent.  I am not saying you can do this with every business, not by any means, but it is easier for people to commit fraud with electronic means and credit cards than with cheques.</p><p>
&nbsp; &nbsp; &nbsp; Something else many of you seem unaware of, but credit cards and debit cards are very expensive for any business or merchant to use.  Easily 5\% of any purchase you make at most small and medium sized businesses with a credit card goes not to the store or business, but to the credit card company.   Don't ever shurg it off and say "oh, that's the cost of doing business", because IMO, that phrase is one of the most foolish things you can ever say. People who says things like that are the ones who in the past created the Enrons of this world, or who created some of the major financial messes we are in today.  so if you think the ease and use of a credit card is worth an unofficial 5\% "bank tax" on every purchase you make, go ahead, knock yourself out.</p><p>
&nbsp; &nbsp; &nbsp; One last thing - book keeping and accounting  of any kind is a major PITA, no two ways about it, but grow up and get a life before you start tossing 'attitude" at people like me who use cheques.  If I can financaily keep my head above water by using cheques, and that helps me keep my finances on an even keel, what's wrong with with that?   For what it is worth, I have zero personal debt.  I may not own much, but everything I own is paid for 100\%.  So maybe some of us cheque writers aren't that stupid after all.</p><p>
&nbsp; &nbsp; &nbsp; All I am saying is, if some of use stone age idiots like myself want to use cheques, and you don't, fine.  I'm not saying all of you should, and I don't think I have the right to tell any of you what to do, but I am asking for the same right &amp; respect back.</p></htmltext>
<tokenext>For business purposes I use cheques all the time .
I do n't know if any of you have ever had a tax audit , but when dealing with governments , papers ALWAYS wins over any " e-statment " or any other electronic form of information keeping , or at least , that has been my direct , first hand experience .
Last time the government looked me over for anything , they never took a penny form me for two reasons : 1 ) I knew the law like the back of my hand ; 2 ) I had PAPER to back up every single statement I made , including canceled cheques .
      You see , at least what I was told , when you have a cheque in your hand , you have physical evidence , fingerprints , personal handwriting , etc .
Heck , maybe even some left over DNA somewhere .
You can not fake that , but some people can very easily fake electronic financial statements .
        I also find that at least once a year , somebody , somewhere , individual , business or even a government agency claims I did n't pay a bill , and then I go pull out my canceled cheque , wave it in front of them , and watch the dumbfounded look on their faces .
Now here 's the thing that scares me .
If I find an error at least once a year , how many errors are there out there every year , how may people are NOT looking closely at their accounts and keeping close track of them ?
In find electronic statements are often wrought with error , and most people trust a computer before they trust themselves .
      Another thing about cheques is that you - believe it or not - have very few bad payments or even fraud or ripoffs .
Seriously. My business take no credit card or debit card , and my bad debts/losses are almost non existent .
I am not saying you can do this with every business , not by any means , but it is easier for people to commit fraud with electronic means and credit cards than with cheques .
      Something else many of you seem unaware of , but credit cards and debit cards are very expensive for any business or merchant to use .
Easily 5 \ % of any purchase you make at most small and medium sized businesses with a credit card goes not to the store or business , but to the credit card company .
Do n't ever shurg it off and say " oh , that 's the cost of doing business " , because IMO , that phrase is one of the most foolish things you can ever say .
People who says things like that are the ones who in the past created the Enrons of this world , or who created some of the major financial messes we are in today .
so if you think the ease and use of a credit card is worth an unofficial 5 \ % " bank tax " on every purchase you make , go ahead , knock yourself out .
      One last thing - book keeping and accounting of any kind is a major PITA , no two ways about it , but grow up and get a life before you start tossing 'attitude " at people like me who use cheques .
If I can financaily keep my head above water by using cheques , and that helps me keep my finances on an even keel , what 's wrong with with that ?
For what it is worth , I have zero personal debt .
I may not own much , but everything I own is paid for 100 \ % .
So maybe some of us cheque writers are n't that stupid after all .
      All I am saying is , if some of use stone age idiots like myself want to use cheques , and you do n't , fine .
I 'm not saying all of you should , and I do n't think I have the right to tell any of you what to do , but I am asking for the same right &amp; respect back .</tokentext>
<sentencetext>  For business purposes I use cheques all the time.
I don't know if  any of you have ever had a tax audit, but when dealing with governments, papers ALWAYS wins over any "e-statment" or any other electronic form of information keeping, or at least, that has been my direct, first hand experience.
Last time the government looked me over for anything, they never took a penny form me for two reasons : 1) I knew the law like the back of my hand;  2) I had PAPER to back up every single statement I made, including canceled cheques.
      You see, at least what I was told, when you have a cheque in your hand, you have physical evidence, fingerprints, personal handwriting, etc.
Heck, maybe even some left over DNA somewhere.
You cannot fake that, but some people can very easily fake electronic financial statements.
        I also find that at least once a year, somebody, somewhere, individual, business or even a government agency claims I didn't pay a bill, and then I go pull out my canceled cheque, wave it in front of them, and watch the dumbfounded look on their faces.
Now here's the thing that scares me.
If I find an error at least once a year, how many errors are there out there every year, how may people are NOT looking closely at their accounts and keeping close track of them?
In find electronic statements are often wrought with error, and most people trust a computer before they trust themselves.
      Another thing about cheques is that you - believe it or not - have very few bad payments or even fraud or ripoffs.
Seriously.  My business take no credit card or debit card, and my bad debts/losses are almost non existent.
I am not saying you can do this with every business, not by any means, but it is easier for people to commit fraud with electronic means and credit cards than with cheques.
      Something else many of you seem unaware of, but credit cards and debit cards are very expensive for any business or merchant to use.
Easily 5\% of any purchase you make at most small and medium sized businesses with a credit card goes not to the store or business, but to the credit card company.
Don't ever shurg it off and say "oh, that's the cost of doing business", because IMO, that phrase is one of the most foolish things you can ever say.
People who says things like that are the ones who in the past created the Enrons of this world, or who created some of the major financial messes we are in today.
so if you think the ease and use of a credit card is worth an unofficial 5\% "bank tax" on every purchase you make, go ahead, knock yourself out.
      One last thing - book keeping and accounting  of any kind is a major PITA, no two ways about it, but grow up and get a life before you start tossing 'attitude" at people like me who use cheques.
If I can financaily keep my head above water by using cheques, and that helps me keep my finances on an even keel, what's wrong with with that?
For what it is worth, I have zero personal debt.
I may not own much, but everything I own is paid for 100\%.
So maybe some of us cheque writers aren't that stupid after all.
      All I am saying is, if some of use stone age idiots like myself want to use cheques, and you don't, fine.
I'm not saying all of you should, and I don't think I have the right to tell any of you what to do, but I am asking for the same right &amp; respect back.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30477220</id>
	<title>cheques?</title>
	<author>Keep Six</author>
	<datestamp>1261080840000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>What are these cheques of which you speak?  I'm 44 and I've managed to survive so far without writing a single one.</htmltext>
<tokenext>What are these cheques of which you speak ?
I 'm 44 and I 've managed to survive so far without writing a single one .</tokentext>
<sentencetext>What are these cheques of which you speak?
I'm 44 and I've managed to survive so far without writing a single one.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470642</id>
	<title>check vs. cheque</title>
	<author>pipatron</author>
	<datestamp>1261041360000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>So is the spelling of check/cheque some british vs. american english issue?
</p><p>Because the headline would have been about 87\% easier to understand with the spelling <i>cheque</i>. My first thought here was something like, "great, they are phasing out the checks at the airport or border" or something. Of course, that's completely utopian since the article also mentioned the UK, but one can always hope.</p></htmltext>
<tokenext>So is the spelling of check/cheque some british vs. american english issue ?
Because the headline would have been about 87 \ % easier to understand with the spelling cheque .
My first thought here was something like , " great , they are phasing out the checks at the airport or border " or something .
Of course , that 's completely utopian since the article also mentioned the UK , but one can always hope .</tokentext>
<sentencetext>So is the spelling of check/cheque some british vs. american english issue?
Because the headline would have been about 87\% easier to understand with the spelling cheque.
My first thought here was something like, "great, they are phasing out the checks at the airport or border" or something.
Of course, that's completely utopian since the article also mentioned the UK, but one can always hope.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30474072</id>
	<title>NOT NOW.....!!!!!</title>
	<author>IHC Navistar</author>
	<datestamp>1261068060000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Checks:<br>Pros -<br>1) Variable payment.<br>2) Can be made on the spot.<br>3) More convenient (can only be deposited by who it is made out to, and is not valid without a signature).<br>4) Safer (Not carrying around a massive billfold, especially for large amounts).<br>5) Can be post-dated.<br>Cons-<br>1) Can be stolen.<br>2) Signature can be forged.<br>3) Very slow clearance time (Because retailers like to sit on them and wait for them to hatch!).</p><p>E-Banking:<br>Pros-<br>1) Fast(er).<br>2) Paperless<br>3) Less to worry about getting stolen.<br>Cons-<br>1) Need some form of access to Internet.<br>2) Electronic passwords can be stolen.<br>3) Account information easier to steal.<br>4) Transaction dates do not necessarily reflect actual dates (The idea of a 'Valid Transfer Date' is absolutely USELESS!).<br>5) E-Banking using your CrackBerry/iPhone/PDA may require the purchase of data plans, and additional data/usage charges.<br>6) Technical issues can make simple purchases impossible.</p><p>Before a move is made to switch away from checks, there needs to be a level of compatibility and functioning that is several orders of magnitude higher than the level that we are at now:</p><p>1) Single Standard - Every bank and vendor uses the SAME standard, so there are no technical issues. Software vendors and credit card companies all like to think that *THEIR* product is the best, and try to 'lock-in' as many businesses as possible, leading to problems. An example of this is where certain retailers only accept certain credit cards.</p><p>Some businesses only accept certain cards for certain things. My University, CSU Monterey Bay, accepts different cards for different things: Parking tickets, making payments in person, making payments on-line (PLUS a $2.00 'convenience' fee). If online payments are going to be used, then the convenience fee needs to be outlawed, since people will be trapped, and the charge can be imposed at will by either the retailer or credit card issuer, or both.</p><p>There needs to be some regulation where retailers/vendors must accept ALL cards, and not pick and choose which ones they want to carry.</p></htmltext>
<tokenext>Checks : Pros -1 ) Variable payment.2 ) Can be made on the spot.3 ) More convenient ( can only be deposited by who it is made out to , and is not valid without a signature ) .4 ) Safer ( Not carrying around a massive billfold , especially for large amounts ) .5 ) Can be post-dated.Cons-1 ) Can be stolen.2 ) Signature can be forged.3 ) Very slow clearance time ( Because retailers like to sit on them and wait for them to hatch !
) .E-Banking : Pros-1 ) Fast ( er ) .2 ) Paperless3 ) Less to worry about getting stolen.Cons-1 ) Need some form of access to Internet.2 ) Electronic passwords can be stolen.3 ) Account information easier to steal.4 ) Transaction dates do not necessarily reflect actual dates ( The idea of a 'Valid Transfer Date ' is absolutely USELESS !
) .5 ) E-Banking using your CrackBerry/iPhone/PDA may require the purchase of data plans , and additional data/usage charges.6 ) Technical issues can make simple purchases impossible.Before a move is made to switch away from checks , there needs to be a level of compatibility and functioning that is several orders of magnitude higher than the level that we are at now : 1 ) Single Standard - Every bank and vendor uses the SAME standard , so there are no technical issues .
Software vendors and credit card companies all like to think that * THEIR * product is the best , and try to 'lock-in ' as many businesses as possible , leading to problems .
An example of this is where certain retailers only accept certain credit cards.Some businesses only accept certain cards for certain things .
My University , CSU Monterey Bay , accepts different cards for different things : Parking tickets , making payments in person , making payments on-line ( PLUS a $ 2.00 'convenience ' fee ) .
If online payments are going to be used , then the convenience fee needs to be outlawed , since people will be trapped , and the charge can be imposed at will by either the retailer or credit card issuer , or both.There needs to be some regulation where retailers/vendors must accept ALL cards , and not pick and choose which ones they want to carry .</tokentext>
<sentencetext>Checks:Pros -1) Variable payment.2) Can be made on the spot.3) More convenient (can only be deposited by who it is made out to, and is not valid without a signature).4) Safer (Not carrying around a massive billfold, especially for large amounts).5) Can be post-dated.Cons-1) Can be stolen.2) Signature can be forged.3) Very slow clearance time (Because retailers like to sit on them and wait for them to hatch!
).E-Banking:Pros-1) Fast(er).2) Paperless3) Less to worry about getting stolen.Cons-1) Need some form of access to Internet.2) Electronic passwords can be stolen.3) Account information easier to steal.4) Transaction dates do not necessarily reflect actual dates (The idea of a 'Valid Transfer Date' is absolutely USELESS!
).5) E-Banking using your CrackBerry/iPhone/PDA may require the purchase of data plans, and additional data/usage charges.6) Technical issues can make simple purchases impossible.Before a move is made to switch away from checks, there needs to be a level of compatibility and functioning that is several orders of magnitude higher than the level that we are at now:1) Single Standard - Every bank and vendor uses the SAME standard, so there are no technical issues.
Software vendors and credit card companies all like to think that *THEIR* product is the best, and try to 'lock-in' as many businesses as possible, leading to problems.
An example of this is where certain retailers only accept certain credit cards.Some businesses only accept certain cards for certain things.
My University, CSU Monterey Bay, accepts different cards for different things: Parking tickets, making payments in person, making payments on-line (PLUS a $2.00 'convenience' fee).
If online payments are going to be used, then the convenience fee needs to be outlawed, since people will be trapped, and the charge can be imposed at will by either the retailer or credit card issuer, or both.There needs to be some regulation where retailers/vendors must accept ALL cards, and not pick and choose which ones they want to carry.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</id>
	<title>Sounds Hard</title>
	<author>pgn674</author>
	<datestamp>1259697420000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>3</modscore>
	<htmltext>Every month, I pay my landlord (a professor; I'm his only tenant) with a check. I wonder what system would replace that, that would be significantly different from checks, but that my landlord could accept?<br> <br>Also, what if I run over someone's bicycle, and I want to give him a blank check to pay for it? Or, more realistically, what if I need to pay an individual that I have only just met more money than I have in cash? What system could replace that that would be significantly different from checks?<br> <br>I guess it could be done, but it might take some creativity.</htmltext>
<tokenext>Every month , I pay my landlord ( a professor ; I 'm his only tenant ) with a check .
I wonder what system would replace that , that would be significantly different from checks , but that my landlord could accept ?
Also , what if I run over someone 's bicycle , and I want to give him a blank check to pay for it ?
Or , more realistically , what if I need to pay an individual that I have only just met more money than I have in cash ?
What system could replace that that would be significantly different from checks ?
I guess it could be done , but it might take some creativity .</tokentext>
<sentencetext>Every month, I pay my landlord (a professor; I'm his only tenant) with a check.
I wonder what system would replace that, that would be significantly different from checks, but that my landlord could accept?
Also, what if I run over someone's bicycle, and I want to give him a blank check to pay for it?
Or, more realistically, what if I need to pay an individual that I have only just met more money than I have in cash?
What system could replace that that would be significantly different from checks?
I guess it could be done, but it might take some creativity.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470790</id>
	<title>Re:Wrong</title>
	<author>Anonymous</author>
	<datestamp>1261043160000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Don't you mean "for the sake of fuck"?</p></htmltext>
<tokenext>Do n't you mean " for the sake of fuck " ?</tokentext>
<sentencetext>Don't you mean "for the sake of fuck"?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470052</id>
	<title>In  ong run should just switch to digital cash</title>
	<author>JoshuaZ</author>
	<datestamp>1259697000000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>4</modscore>
	<htmltext>We have cryptographically secure algorithms for anonymous digital cash. These schemes are easy to implement using blind signatures. <a href="http://en.wikipedia.org/wiki/Blind\_signature" title="wikipedia.org">http://en.wikipedia.org/wiki/Blind\_signature</a> [wikipedia.org]. If properly implemented such a system provides far more anonymity than cash, checks, credit cards or debit cards. We really should be working to switch to such a system.</htmltext>
<tokenext>We have cryptographically secure algorithms for anonymous digital cash .
These schemes are easy to implement using blind signatures .
http : //en.wikipedia.org/wiki/Blind \ _signature [ wikipedia.org ] .
If properly implemented such a system provides far more anonymity than cash , checks , credit cards or debit cards .
We really should be working to switch to such a system .</tokentext>
<sentencetext>We have cryptographically secure algorithms for anonymous digital cash.
These schemes are easy to implement using blind signatures.
http://en.wikipedia.org/wiki/Blind\_signature [wikipedia.org].
If properly implemented such a system provides far more anonymity than cash, checks, credit cards or debit cards.
We really should be working to switch to such a system.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471138</id>
	<title>Good riddance!  Welcoming a cheque-free world</title>
	<author>200\_success</author>
	<datestamp>1261046700000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>5</modscore>
	<htmltext><p>
Having lived in Switzerland for a while and experienced the cheque-free banking system there, I can say that cheques suck on so many levels.  Handing or mailing someone an IOU in the form of a cheque is stupid when you consider the alternative.
</p><p>
In Switzerland, and I believe in most of Europe, payments are pushed rather than pulled.  The receiving party sends the paying party a standard slip with the receiver's account information and amount being billed (or the payer could fill out a blank slip manually).  The payer feeds the slip to his own bank's ATM and authorizes the payment.  Or, he keys in the information to his bank's e-banking website.  Alternatively, they payer can take the slip to any post office and pay with cash.  The transaction clears the same day.
</p><p>
Compare that with a cheque-based system:
</p><ul>
<li>The receiver's bank has to demand money from the payer's bank, and typically imposes a hold period on that money.</li><li>The payer doesn't know when the receiver will deposit the cheque; the possible delay makes reconciling accounts a bit messy.</li><li>The receiver doesn't know whether the cheque will bounce -- he's just getting an IOU.</li><li>The payer can easily overdraw his account, through carelessness or maliciousness, and be penalized by both his bank and the receiver.</li><li>The receiver can claim that the payment wasn't received on time, due to mail delays, hold periods, etc.</li><li>The payer can claim that the "cheque is in the mail", when of course it hasn't been sent yet.</li><li>The payer has to worry about whether the receiver has tampered with the cheque (e.g. altering the amount).</li><li>The bank has to authenticate the cheque by verifying the signature, which probably doesn't happen properly in most cases.</li><li>Because the authentication system is basically based on trust, the payer is <a href="http://www-cs-faculty.stanford.edu/~knuth/news08.html" title="stanford.edu">exposed to massive cheque fraud</a> [stanford.edu]!  Sending a cheque means giving out your account information, which is just as bad as giving out your credit card number.  A receiver-pull system is inherently less secure than sender-push.  If everyone agrees to do sender-push only, there is no risk involved in revealing your account information.</li></ul><p>
There are only two advantages of cheques that I can think of:
</p><ul>
<li>Giving someone a casual gift.  You can easily write a cheque as a birthday or wedding gift, knowing just the recipient's name.  In those situations, it could be socially awkward to ask for the recipient's account information.</li><li>Paying someone who doesn't have a bank account.  I understand that many poor people (illegal immigrants?) in the U.S. don't have bank accounts.  They end up taking their paychecks to some check-cashing place that charges a hefty fee.  This is a rather weak "advantage", since checks are a sub-optimal solution anyway -- possible sane solutions would be to stop hiring illegal immigrants, or let them have bank accounts, or pay them in cash.</li></ul><p>In summary, a cheque-based banking system is so completely backwards and broken, it's amazing that such a system could exist in the modern world.
</p></htmltext>
<tokenext>Having lived in Switzerland for a while and experienced the cheque-free banking system there , I can say that cheques suck on so many levels .
Handing or mailing someone an IOU in the form of a cheque is stupid when you consider the alternative .
In Switzerland , and I believe in most of Europe , payments are pushed rather than pulled .
The receiving party sends the paying party a standard slip with the receiver 's account information and amount being billed ( or the payer could fill out a blank slip manually ) .
The payer feeds the slip to his own bank 's ATM and authorizes the payment .
Or , he keys in the information to his bank 's e-banking website .
Alternatively , they payer can take the slip to any post office and pay with cash .
The transaction clears the same day .
Compare that with a cheque-based system : The receiver 's bank has to demand money from the payer 's bank , and typically imposes a hold period on that money.The payer does n't know when the receiver will deposit the cheque ; the possible delay makes reconciling accounts a bit messy.The receiver does n't know whether the cheque will bounce -- he 's just getting an IOU.The payer can easily overdraw his account , through carelessness or maliciousness , and be penalized by both his bank and the receiver.The receiver can claim that the payment was n't received on time , due to mail delays , hold periods , etc.The payer can claim that the " cheque is in the mail " , when of course it has n't been sent yet.The payer has to worry about whether the receiver has tampered with the cheque ( e.g .
altering the amount ) .The bank has to authenticate the cheque by verifying the signature , which probably does n't happen properly in most cases.Because the authentication system is basically based on trust , the payer is exposed to massive cheque fraud [ stanford.edu ] !
Sending a cheque means giving out your account information , which is just as bad as giving out your credit card number .
A receiver-pull system is inherently less secure than sender-push .
If everyone agrees to do sender-push only , there is no risk involved in revealing your account information .
There are only two advantages of cheques that I can think of : Giving someone a casual gift .
You can easily write a cheque as a birthday or wedding gift , knowing just the recipient 's name .
In those situations , it could be socially awkward to ask for the recipient 's account information.Paying someone who does n't have a bank account .
I understand that many poor people ( illegal immigrants ?
) in the U.S. do n't have bank accounts .
They end up taking their paychecks to some check-cashing place that charges a hefty fee .
This is a rather weak " advantage " , since checks are a sub-optimal solution anyway -- possible sane solutions would be to stop hiring illegal immigrants , or let them have bank accounts , or pay them in cash.In summary , a cheque-based banking system is so completely backwards and broken , it 's amazing that such a system could exist in the modern world .</tokentext>
<sentencetext>
Having lived in Switzerland for a while and experienced the cheque-free banking system there, I can say that cheques suck on so many levels.
Handing or mailing someone an IOU in the form of a cheque is stupid when you consider the alternative.
In Switzerland, and I believe in most of Europe, payments are pushed rather than pulled.
The receiving party sends the paying party a standard slip with the receiver's account information and amount being billed (or the payer could fill out a blank slip manually).
The payer feeds the slip to his own bank's ATM and authorizes the payment.
Or, he keys in the information to his bank's e-banking website.
Alternatively, they payer can take the slip to any post office and pay with cash.
The transaction clears the same day.
Compare that with a cheque-based system:

The receiver's bank has to demand money from the payer's bank, and typically imposes a hold period on that money.The payer doesn't know when the receiver will deposit the cheque; the possible delay makes reconciling accounts a bit messy.The receiver doesn't know whether the cheque will bounce -- he's just getting an IOU.The payer can easily overdraw his account, through carelessness or maliciousness, and be penalized by both his bank and the receiver.The receiver can claim that the payment wasn't received on time, due to mail delays, hold periods, etc.The payer can claim that the "cheque is in the mail", when of course it hasn't been sent yet.The payer has to worry about whether the receiver has tampered with the cheque (e.g.
altering the amount).The bank has to authenticate the cheque by verifying the signature, which probably doesn't happen properly in most cases.Because the authentication system is basically based on trust, the payer is exposed to massive cheque fraud [stanford.edu]!
Sending a cheque means giving out your account information, which is just as bad as giving out your credit card number.
A receiver-pull system is inherently less secure than sender-push.
If everyone agrees to do sender-push only, there is no risk involved in revealing your account information.
There are only two advantages of cheques that I can think of:

Giving someone a casual gift.
You can easily write a cheque as a birthday or wedding gift, knowing just the recipient's name.
In those situations, it could be socially awkward to ask for the recipient's account information.Paying someone who doesn't have a bank account.
I understand that many poor people (illegal immigrants?
) in the U.S. don't have bank accounts.
They end up taking their paychecks to some check-cashing place that charges a hefty fee.
This is a rather weak "advantage", since checks are a sub-optimal solution anyway -- possible sane solutions would be to stop hiring illegal immigrants, or let them have bank accounts, or pay them in cash.In summary, a cheque-based banking system is so completely backwards and broken, it's amazing that such a system could exist in the modern world.
</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472304</id>
	<title>Re:Good riddance! Welcoming a cheque-free world</title>
	<author>ThatsNotPudding</author>
	<datestamp>1261058460000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>So in a totally che(ck)que-free system, a bill could arrive electronically with demand for full payment within the hour, as that is eons of time to automated systems.  Brave new world, indeed.</htmltext>
<tokenext>So in a totally che ( ck ) que-free system , a bill could arrive electronically with demand for full payment within the hour , as that is eons of time to automated systems .
Brave new world , indeed .</tokentext>
<sentencetext>So in a totally che(ck)que-free system, a bill could arrive electronically with demand for full payment within the hour, as that is eons of time to automated systems.
Brave new world, indeed.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471138</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471952</id>
	<title>Re:Sounds Hard</title>
	<author>DriveMelter</author>
	<datestamp>1261054560000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>The electronic equivalent of a blank cheque is called a "Direct Debit" it authorises the company to take as much money from your account as they want as often as they want.</htmltext>
<tokenext>The electronic equivalent of a blank cheque is called a " Direct Debit " it authorises the company to take as much money from your account as they want as often as they want .</tokentext>
<sentencetext>The electronic equivalent of a blank cheque is called a "Direct Debit" it authorises the company to take as much money from your account as they want as often as they want.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472120</id>
	<title>Re:Disaster planning?</title>
	<author>fluch</author>
	<datestamp>1261056420000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>"What's the backup plan in case a massive solar flare fries our power and computing infrastructure?"<nobr> <wbr></nobr>... in this case the existence or non-existence of cheques would be one of the least problems. And a cheque would not buy you food or fuel. Neither would the electronic tilts work and much more...</p></htmltext>
<tokenext>" What 's the backup plan in case a massive solar flare fries our power and computing infrastructure ?
" ... in this case the existence or non-existence of cheques would be one of the least problems .
And a cheque would not buy you food or fuel .
Neither would the electronic tilts work and much more.. .</tokentext>
<sentencetext>"What's the backup plan in case a massive solar flare fries our power and computing infrastructure?
" ... in this case the existence or non-existence of cheques would be one of the least problems.
And a cheque would not buy you food or fuel.
Neither would the electronic tilts work and much more...</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470204</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471014</id>
	<title>Re:Money spinner</title>
	<author>IBBoard</author>
	<datestamp>1261045680000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Annual fees for using credit cards? What kind of backward system as you using where you get charged to have access to your own money? Here in the UK credit cards are generally free, unless you specifically pick one that charges you to give you extra features (like lower interest, car insurance, etc).</p></htmltext>
<tokenext>Annual fees for using credit cards ?
What kind of backward system as you using where you get charged to have access to your own money ?
Here in the UK credit cards are generally free , unless you specifically pick one that charges you to give you extra features ( like lower interest , car insurance , etc ) .</tokentext>
<sentencetext>Annual fees for using credit cards?
What kind of backward system as you using where you get charged to have access to your own money?
Here in the UK credit cards are generally free, unless you specifically pick one that charges you to give you extra features (like lower interest, car insurance, etc).</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470446</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30475334</id>
	<title>Re:Wrong</title>
	<author>teh kurisu</author>
	<datestamp>1261073520000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>'Check' is still a word, it just means something different to 'cheque'.</p><p>Just like 'metre' and 'meter' are both words meaning different things.</p></htmltext>
<tokenext>'Check ' is still a word , it just means something different to 'cheque'.Just like 'metre ' and 'meter ' are both words meaning different things .</tokentext>
<sentencetext>'Check' is still a word, it just means something different to 'cheque'.Just like 'metre' and 'meter' are both words meaning different things.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470012</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470560</id>
	<title>speaking as a charity volunteer</title>
	<author>Anonymous</author>
	<datestamp>1261040760000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>this seems designed to destroy community groups. I send precisely two cheques each year, through the post, one to an individual, and one to a small village shop. That pays for our village Christmas party. I only do this job because it's so easy (I do have other commitments): community work like this only survives because it can be broken down into extremely easy steps. Any other form of payment would make my job ten times harder, due to needing personal visits, easy to lose cards, etc.</p></htmltext>
<tokenext>this seems designed to destroy community groups .
I send precisely two cheques each year , through the post , one to an individual , and one to a small village shop .
That pays for our village Christmas party .
I only do this job because it 's so easy ( I do have other commitments ) : community work like this only survives because it can be broken down into extremely easy steps .
Any other form of payment would make my job ten times harder , due to needing personal visits , easy to lose cards , etc .</tokentext>
<sentencetext>this seems designed to destroy community groups.
I send precisely two cheques each year, through the post, one to an individual, and one to a small village shop.
That pays for our village Christmas party.
I only do this job because it's so easy (I do have other commitments): community work like this only survives because it can be broken down into extremely easy steps.
Any other form of payment would make my job ten times harder, due to needing personal visits, easy to lose cards, etc.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471224</id>
	<title>Re:Once the cheques and bank notes are gone ...</title>
	<author>jimicus</author>
	<datestamp>1261047540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>And of course cheques, which hold the sender's bank details and as soon as they are presented go into a database which also holds the recipients bank details for said cheque, are completely untraceable.</p></htmltext>
<tokenext>And of course cheques , which hold the sender 's bank details and as soon as they are presented go into a database which also holds the recipients bank details for said cheque , are completely untraceable .</tokentext>
<sentencetext>And of course cheques, which hold the sender's bank details and as soon as they are presented go into a database which also holds the recipients bank details for said cheque, are completely untraceable.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470492</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470598</id>
	<title>umy757</title>
	<author>umy757</author>
	<datestamp>1261041000000</datestamp>
	<modclass>Offtopic</modclass>
	<modscore>-1</modscore>
	<htmltext>Seo Tips
<a href="http://www.seotrainingbook.com/" title="seotrainingbook.com" rel="nofollow">http://www.seotrainingbook.com/</a> [seotrainingbook.com]
seo, training, Training book, optimization
The SEO Traning Book course has been taught on college campuses, in local SBDC centers, in companies, and online. Over the past several years we have developed a simple yet effective way for learning SEO. Our students have created some very successful Internet businesses.</htmltext>
<tokenext>Seo Tips http : //www.seotrainingbook.com/ [ seotrainingbook.com ] seo , training , Training book , optimization The SEO Traning Book course has been taught on college campuses , in local SBDC centers , in companies , and online .
Over the past several years we have developed a simple yet effective way for learning SEO .
Our students have created some very successful Internet businesses .</tokentext>
<sentencetext>Seo Tips
http://www.seotrainingbook.com/ [seotrainingbook.com]
seo, training, Training book, optimization
The SEO Traning Book course has been taught on college campuses, in local SBDC centers, in companies, and online.
Over the past several years we have developed a simple yet effective way for learning SEO.
Our students have created some very successful Internet businesses.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471986</id>
	<title>Sword-knot</title>
	<author>Anonymous</author>
	<datestamp>1261054740000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Cheque is nice. In the last noble decades, the end of 19th century, military officers ruined by gambling often forged cheques to cover their debts. When found out, they had to shoot themselves in the head. Nowadays we see most evil crooks, like the Maddoff jew, who steal dozens of billions electronically to amass illegal wealth and even if caught, they laugh all the way to the cooler, knowing fully well that in a mere few years they will be pardoned out of triple life term and fly straight to their Haifa luxury mansions.</p></htmltext>
<tokenext>Cheque is nice .
In the last noble decades , the end of 19th century , military officers ruined by gambling often forged cheques to cover their debts .
When found out , they had to shoot themselves in the head .
Nowadays we see most evil crooks , like the Maddoff jew , who steal dozens of billions electronically to amass illegal wealth and even if caught , they laugh all the way to the cooler , knowing fully well that in a mere few years they will be pardoned out of triple life term and fly straight to their Haifa luxury mansions .</tokentext>
<sentencetext>Cheque is nice.
In the last noble decades, the end of 19th century, military officers ruined by gambling often forged cheques to cover their debts.
When found out, they had to shoot themselves in the head.
Nowadays we see most evil crooks, like the Maddoff jew, who steal dozens of billions electronically to amass illegal wealth and even if caught, they laugh all the way to the cooler, knowing fully well that in a mere few years they will be pardoned out of triple life term and fly straight to their Haifa luxury mansions.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472910</id>
	<title>adequate alternatives?</title>
	<author>wisnoskij</author>
	<datestamp>1261063260000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>"the target of Oct. 2018 would only be realized if adequate alternatives are developed."
<br>
<br>
So they want to faze out checks but they do not have any adequate alternatives? and they even have a date they want they fazed out by?
<br>
Seems like they are really getting ahead of themselves here.</htmltext>
<tokenext>" the target of Oct. 2018 would only be realized if adequate alternatives are developed .
" So they want to faze out checks but they do not have any adequate alternatives ?
and they even have a date they want they fazed out by ?
Seems like they are really getting ahead of themselves here .</tokentext>
<sentencetext>"the target of Oct. 2018 would only be realized if adequate alternatives are developed.
"


So they want to faze out checks but they do not have any adequate alternatives?
and they even have a date they want they fazed out by?
Seems like they are really getting ahead of themselves here.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470244</id>
	<title>Re:I thought they were already gone in EU</title>
	<author>Anonymous</author>
	<datestamp>1261080780000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>When I first moved to the UK I found cheques a curious anachronism. I have come to appreciate them a lot though.</p><p>For paying bills it is a fantastic way of doing it. It is an effective payment between two parties. Above all it does not involve a direct debit which every company tries to force you to set up - I have always refused those whereever possible since they effectively allow the company to have a direct line into your bank account. And all companies are behaving fair and ethically, right? And they would never, ever screw up their billing system, would they?</p><p>It is a pity. The cheque, whilst not perfect, has a good function.</p></htmltext>
<tokenext>When I first moved to the UK I found cheques a curious anachronism .
I have come to appreciate them a lot though.For paying bills it is a fantastic way of doing it .
It is an effective payment between two parties .
Above all it does not involve a direct debit which every company tries to force you to set up - I have always refused those whereever possible since they effectively allow the company to have a direct line into your bank account .
And all companies are behaving fair and ethically , right ?
And they would never , ever screw up their billing system , would they ? It is a pity .
The cheque , whilst not perfect , has a good function .</tokentext>
<sentencetext>When I first moved to the UK I found cheques a curious anachronism.
I have come to appreciate them a lot though.For paying bills it is a fantastic way of doing it.
It is an effective payment between two parties.
Above all it does not involve a direct debit which every company tries to force you to set up - I have always refused those whereever possible since they effectively allow the company to have a direct line into your bank account.
And all companies are behaving fair and ethically, right?
And they would never, ever screw up their billing system, would they?It is a pity.
The cheque, whilst not perfect, has a good function.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469990</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469990</id>
	<title>I thought they were already gone in EU</title>
	<author>Anonymous</author>
	<datestamp>1259696580000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>4</modscore>
	<htmltext><p>I hadn't seen a check in Finland for over 10 years. Then I come to US and find out it's the common way to pay bills. And transfers from bank account to another one are difficult or even impossible between two random people.</p></htmltext>
<tokenext>I had n't seen a check in Finland for over 10 years .
Then I come to US and find out it 's the common way to pay bills .
And transfers from bank account to another one are difficult or even impossible between two random people .</tokentext>
<sentencetext>I hadn't seen a check in Finland for over 10 years.
Then I come to US and find out it's the common way to pay bills.
And transfers from bank account to another one are difficult or even impossible between two random people.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30475080</id>
	<title>Re:How do people pay eachother?</title>
	<author>zippthorne</author>
	<datestamp>1261072320000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Yeah, but checks are a terrible way to do this.  There is no security.  Just a routing number that's the same on every check, an account number that's the same on every check, and check number that probably is, but need not be, unique.</p><p>Those numbers are all that protects you from someone draining your checking account.  You might as well do business by giving people your SSN (in the US) and counting on them to only take the agreed upon amount from whatever account they care to.</p><p>Checks are bad.  Almost anything would be a better option.  Even better-designed checks.</p></htmltext>
<tokenext>Yeah , but checks are a terrible way to do this .
There is no security .
Just a routing number that 's the same on every check , an account number that 's the same on every check , and check number that probably is , but need not be , unique.Those numbers are all that protects you from someone draining your checking account .
You might as well do business by giving people your SSN ( in the US ) and counting on them to only take the agreed upon amount from whatever account they care to.Checks are bad .
Almost anything would be a better option .
Even better-designed checks .</tokentext>
<sentencetext>Yeah, but checks are a terrible way to do this.
There is no security.
Just a routing number that's the same on every check, an account number that's the same on every check, and check number that probably is, but need not be, unique.Those numbers are all that protects you from someone draining your checking account.
You might as well do business by giving people your SSN (in the US) and counting on them to only take the agreed upon amount from whatever account they care to.Checks are bad.
Almost anything would be a better option.
Even better-designed checks.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470578</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470140</id>
	<title>Does this include bank drafts?</title>
	<author>aristotle-dude</author>
	<datestamp>1261080120000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I can understand wanting to phase out personal cheques but a bank draft is a payment instrument that is drawn ahead of time into the account of the bank that issues it. How do they handle large purchases without at least a bank draft?</htmltext>
<tokenext>I can understand wanting to phase out personal cheques but a bank draft is a payment instrument that is drawn ahead of time into the account of the bank that issues it .
How do they handle large purchases without at least a bank draft ?</tokentext>
<sentencetext>I can understand wanting to phase out personal cheques but a bank draft is a payment instrument that is drawn ahead of time into the account of the bank that issues it.
How do they handle large purchases without at least a bank draft?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472346</id>
	<title>Re:Sounds Hard</title>
	<author>Anonymous</author>
	<datestamp>1261058820000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><blockquote><div><p><nobr> <wbr></nobr><tt>...I want to give him a blank check...</tt></p></div> </blockquote><p>I have an old bicycle laying around, wanna try?</p></div>
	</htmltext>
<tokenext>...I want to give him a blank check... I have an old bicycle laying around , wan na try ?</tokentext>
<sentencetext> ...I want to give him a blank check... I have an old bicycle laying around, wanna try?
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470164</id>
	<title>Re:I thought they were already gone in EU</title>
	<author>Anonymous</author>
	<datestamp>1261080300000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>They are still used a lot in France, which was quite surprising for me moving here from Austria.</p></htmltext>
<tokenext>They are still used a lot in France , which was quite surprising for me moving here from Austria .</tokentext>
<sentencetext>They are still used a lot in France, which was quite surprising for me moving here from Austria.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469990</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30476042</id>
	<title>Re:Good riddance! Welcoming a cheque-free world</title>
	<author>Anonymous</author>
	<datestamp>1261076640000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Many illegal immigrants have bank accounts. Many poor citizens don't. I think it's because once you've left one heavily overdrawn account it's hard to get another.<br>Those folks deal in cash, and more and more retail purchases nowadays use debit cards. I almost never carry cash anymore.<br>But checks still fill an important niche, as has been explained.<br>Not having to know someone else's bank account details is a huge convenience, not easily overcome.<br>You can even make out a check to "CASH".</p></htmltext>
<tokenext>Many illegal immigrants have bank accounts .
Many poor citizens do n't .
I think it 's because once you 've left one heavily overdrawn account it 's hard to get another.Those folks deal in cash , and more and more retail purchases nowadays use debit cards .
I almost never carry cash anymore.But checks still fill an important niche , as has been explained.Not having to know someone else 's bank account details is a huge convenience , not easily overcome.You can even make out a check to " CASH " .</tokentext>
<sentencetext>Many illegal immigrants have bank accounts.
Many poor citizens don't.
I think it's because once you've left one heavily overdrawn account it's hard to get another.Those folks deal in cash, and more and more retail purchases nowadays use debit cards.
I almost never carry cash anymore.But checks still fill an important niche, as has been explained.Not having to know someone else's bank account details is a huge convenience, not easily overcome.You can even make out a check to "CASH".</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471138</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470446</id>
	<title>Money spinner</title>
	<author>GumphMaster</author>
	<datestamp>1261082700000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>3</modscore>
	<htmltext><p>Personal cheques are a purely a cost to the average bank, shuffling paper and checking signatures does not make them scads of cash.  They'd dearly love to replace them with credit cards for which they get to charge an annual fee to the card holder, monthly and annual fee plus a percentage commission from the merchant, and any interest accrued by the card holder at the usual inflated rates, and all riding on the back of a process that is essentially automated (reduced staff costs).  Even the direct deposit substitute is a good money spinner with limited numbers of "free" transactions per month before fees kick in, and charges for daring to use an ATM. What's not for a bank bean counter to like about this?</p></htmltext>
<tokenext>Personal cheques are a purely a cost to the average bank , shuffling paper and checking signatures does not make them scads of cash .
They 'd dearly love to replace them with credit cards for which they get to charge an annual fee to the card holder , monthly and annual fee plus a percentage commission from the merchant , and any interest accrued by the card holder at the usual inflated rates , and all riding on the back of a process that is essentially automated ( reduced staff costs ) .
Even the direct deposit substitute is a good money spinner with limited numbers of " free " transactions per month before fees kick in , and charges for daring to use an ATM .
What 's not for a bank bean counter to like about this ?</tokentext>
<sentencetext>Personal cheques are a purely a cost to the average bank, shuffling paper and checking signatures does not make them scads of cash.
They'd dearly love to replace them with credit cards for which they get to charge an annual fee to the card holder, monthly and annual fee plus a percentage commission from the merchant, and any interest accrued by the card holder at the usual inflated rates, and all riding on the back of a process that is essentially automated (reduced staff costs).
Even the direct deposit substitute is a good money spinner with limited numbers of "free" transactions per month before fees kick in, and charges for daring to use an ATM.
What's not for a bank bean counter to like about this?</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471848</id>
	<title>UK vs USA vs AUS</title>
	<author>SirKveldulv</author>
	<datestamp>1261053360000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>2</modscore>
	<htmltext>Good! Checks are a pain in the ass, and (imo) an unnecessary hassle for me every time I have to cash one.

<p> Other than the cashflow benefits of not paying things immediately, I honestly can't see what benefit they have over other payment methods.

</p><p> Time it takes me to get $$$ from a US check: 3-6 weeks.

</p><p> Time it takes a wire transfer from anywhere else; 1-8 days max.</p></htmltext>
<tokenext>Good !
Checks are a pain in the ass , and ( imo ) an unnecessary hassle for me every time I have to cash one .
Other than the cashflow benefits of not paying things immediately , I honestly ca n't see what benefit they have over other payment methods .
Time it takes me to get $ $ $ from a US check : 3-6 weeks .
Time it takes a wire transfer from anywhere else ; 1-8 days max .</tokentext>
<sentencetext>Good!
Checks are a pain in the ass, and (imo) an unnecessary hassle for me every time I have to cash one.
Other than the cashflow benefits of not paying things immediately, I honestly can't see what benefit they have over other payment methods.
Time it takes me to get $$$ from a US check: 3-6 weeks.
Time it takes a wire transfer from anywhere else; 1-8 days max.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470704</id>
	<title>Small Businesses Will Take a Hit</title>
	<author>CaptainOfSpray</author>
	<datestamp>1261041960000</datestamp>
	<modclass>Interestin</modclass>
	<modscore>2</modscore>
	<htmltext>There are lots of small businesses that will be damaged or made unprofitable. When taking low volumes of payments, where a cheque is much more cost-effective than taking cards, for instance the weekends-only kind of bed &amp; breakfast - getting a card terminal costs &pound;400 and just isn't worth it - that &pound;400 represents our profit for an entire summer.</htmltext>
<tokenext>There are lots of small businesses that will be damaged or made unprofitable .
When taking low volumes of payments , where a cheque is much more cost-effective than taking cards , for instance the weekends-only kind of bed &amp; breakfast - getting a card terminal costs   400 and just is n't worth it - that   400 represents our profit for an entire summer .</tokentext>
<sentencetext>There are lots of small businesses that will be damaged or made unprofitable.
When taking low volumes of payments, where a cheque is much more cost-effective than taking cards, for instance the weekends-only kind of bed &amp; breakfast - getting a card terminal costs £400 and just isn't worth it - that £400 represents our profit for an entire summer.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471574</id>
	<title>The US will likely resist</title>
	<author>thetoadwarrior</author>
	<datestamp>1261050540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>I can see people in the US holding out longer but that's because being the capitalist free-market beacon that it is, the banks don't do anything to help consumers they just fuck their customers up the ass all day. This is despite the fact credit unions offer much better deals.
<br> <br>
Last time I was over there you still had to pay a fee to use a ATM machine not owned by your bank. In fact just about everything you do has a fee attached. Having less than a certain amount of money in a chequeing account can result in a fee. If I have less than $200 in my account maybe I'm a bit strapped for cash. Charging me a fucking fee won't improve that.
<br> <br>
I think the UK is actually more of a free market than the US. Things are more likely to go in the consumer's favour to help win them over.</htmltext>
<tokenext>I can see people in the US holding out longer but that 's because being the capitalist free-market beacon that it is , the banks do n't do anything to help consumers they just fuck their customers up the ass all day .
This is despite the fact credit unions offer much better deals .
Last time I was over there you still had to pay a fee to use a ATM machine not owned by your bank .
In fact just about everything you do has a fee attached .
Having less than a certain amount of money in a chequeing account can result in a fee .
If I have less than $ 200 in my account maybe I 'm a bit strapped for cash .
Charging me a fucking fee wo n't improve that .
I think the UK is actually more of a free market than the US .
Things are more likely to go in the consumer 's favour to help win them over .</tokentext>
<sentencetext>I can see people in the US holding out longer but that's because being the capitalist free-market beacon that it is, the banks don't do anything to help consumers they just fuck their customers up the ass all day.
This is despite the fact credit unions offer much better deals.
Last time I was over there you still had to pay a fee to use a ATM machine not owned by your bank.
In fact just about everything you do has a fee attached.
Having less than a certain amount of money in a chequeing account can result in a fee.
If I have less than $200 in my account maybe I'm a bit strapped for cash.
Charging me a fucking fee won't improve that.
I think the UK is actually more of a free market than the US.
Things are more likely to go in the consumer's favour to help win them over.</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470202</id>
	<title>Re:Wrong</title>
	<author>bertoelcon</author>
	<datestamp>1261080540000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>They spelled it both ways in the summary.</htmltext>
<tokenext>They spelled it both ways in the summary .</tokentext>
<sentencetext>They spelled it both ways in the summary.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30469962</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470298</id>
	<title>Re:Sounds Hard</title>
	<author>Richard\_at\_work</author>
	<datestamp>1261081260000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>In Europe you typically pay rent and regular services by either a Standing Order (your bank sends them a set amount of money on a set day) or a Direct Debit (the other party requests money from your bank and it gets paid - Direct Debit has an industry wide guarantee which allows you to claim back from your bank any incorrect amounts payed).  I haven't used a cheque in 10 years.</htmltext>
<tokenext>In Europe you typically pay rent and regular services by either a Standing Order ( your bank sends them a set amount of money on a set day ) or a Direct Debit ( the other party requests money from your bank and it gets paid - Direct Debit has an industry wide guarantee which allows you to claim back from your bank any incorrect amounts payed ) .
I have n't used a cheque in 10 years .</tokentext>
<sentencetext>In Europe you typically pay rent and regular services by either a Standing Order (your bank sends them a set amount of money on a set day) or a Direct Debit (the other party requests money from your bank and it gets paid - Direct Debit has an industry wide guarantee which allows you to claim back from your bank any incorrect amounts payed).
I haven't used a cheque in 10 years.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470110</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472180</id>
	<title>Re:Sounds Hard</title>
	<author>Anonymous</author>
	<datestamp>1261056960000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I moved to america about 7 years ago from Australia. In my entire life in Australia I'd never written a single check. It seemed like a quaint antiquated technology. Since I've been in the US I have written a TON of checks.</p><p>There's currently no way to just log into most bank websites and enter the account details of someone else then just send the money over. In Australia you need two numbers - BSB and account # and then you can do a transfer in a matter of seconds with no fee to you directly via online banking.</p><p>I got excited a while back when my bank offered the ability to 'send money online via internet banking'. I logged in to send some money to someone only to discover that the process involved them printing/creating a check for me and mailing it for me. What a joke.</p><p>If only the US would realise a little more than sometimes there ARE better ways to do things than the way they do them.</p></htmltext>
<tokenext>I moved to america about 7 years ago from Australia .
In my entire life in Australia I 'd never written a single check .
It seemed like a quaint antiquated technology .
Since I 've been in the US I have written a TON of checks.There 's currently no way to just log into most bank websites and enter the account details of someone else then just send the money over .
In Australia you need two numbers - BSB and account # and then you can do a transfer in a matter of seconds with no fee to you directly via online banking.I got excited a while back when my bank offered the ability to 'send money online via internet banking' .
I logged in to send some money to someone only to discover that the process involved them printing/creating a check for me and mailing it for me .
What a joke.If only the US would realise a little more than sometimes there ARE better ways to do things than the way they do them .</tokentext>
<sentencetext>I moved to america about 7 years ago from Australia.
In my entire life in Australia I'd never written a single check.
It seemed like a quaint antiquated technology.
Since I've been in the US I have written a TON of checks.There's currently no way to just log into most bank websites and enter the account details of someone else then just send the money over.
In Australia you need two numbers - BSB and account # and then you can do a transfer in a matter of seconds with no fee to you directly via online banking.I got excited a while back when my bank offered the ability to 'send money online via internet banking'.
I logged in to send some money to someone only to discover that the process involved them printing/creating a check for me and mailing it for me.
What a joke.If only the US would realise a little more than sometimes there ARE better ways to do things than the way they do them.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470320</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30474528</id>
	<title>Re:How do people pay eachother?</title>
	<author>waterford0069</author>
	<datestamp>1261070040000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>"bank transfer order" which equals "a cheque"???? Effectively it's the same thing; isn't it.</htmltext>
<tokenext>" bank transfer order " which equals " a cheque " ? ? ? ?
Effectively it 's the same thing ; is n't it .</tokentext>
<sentencetext>"bank transfer order" which equals "a cheque"????
Effectively it's the same thing; isn't it.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470458</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471698</id>
	<title>Re:car analogy</title>
	<author>itsdapead</author>
	<datestamp>1261052040000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>Maybe - but will it have a "trunk" or a "boot"?</p></htmltext>
<tokenext>Maybe - but will it have a " trunk " or a " boot " ?</tokentext>
<sentencetext>Maybe - but will it have a "trunk" or a "boot"?</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470440</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471076</id>
	<title>How far they will succeed, still can't explain ?</title>
	<author>chrstaylor7</author>
	<datestamp>1261046160000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext>the board of UK payment council is leading to a good alternative but could not know how far is it going to succeed till 2018 or does the overall motive should be fulfilled? a little unknown...</htmltext>
<tokenext>the board of UK payment council is leading to a good alternative but could not know how far is it going to succeed till 2018 or does the overall motive should be fulfilled ?
a little unknown.. .</tokentext>
<sentencetext>the board of UK payment council is leading to a good alternative but could not know how far is it going to succeed till 2018 or does the overall motive should be fulfilled?
a little unknown...</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470212</id>
	<title>god damn yankees</title>
	<author>Anonymous</author>
	<datestamp>1261080600000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext><p>we call em cheques</p><p>oh and "how do people pay each other?"   = in kind</p></htmltext>
<tokenext>we call em chequesoh and " how do people pay each other ?
" = in kind</tokentext>
<sentencetext>we call em chequesoh and "how do people pay each other?
"   = in kind</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471454</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261049520000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>Same here. I think my mother used checks here in Finland... but last time I saw that was probably sometime in the latter part of the eighties. There just hasn't been any need for them since; debit and credit cards are accepted almost everywhere, and where they are not, it's either pocket change (100 euros) or bank transfers (that absolutely everybody, or at least 99.9\% of people use and recipients accept, especially for such things as rent).</p><p>I don't even know if any mentionable portion of Finnish businesses accept checks, or if they're in use at all nowadays, or if they can even be considered a legal tender of any kind. Travel cheques are accepted in tourist-oriented locations though, I believe.</p></htmltext>
<tokenext>Same here .
I think my mother used checks here in Finland... but last time I saw that was probably sometime in the latter part of the eighties .
There just has n't been any need for them since ; debit and credit cards are accepted almost everywhere , and where they are not , it 's either pocket change ( 100 euros ) or bank transfers ( that absolutely everybody , or at least 99.9 \ % of people use and recipients accept , especially for such things as rent ) .I do n't even know if any mentionable portion of Finnish businesses accept checks , or if they 're in use at all nowadays , or if they can even be considered a legal tender of any kind .
Travel cheques are accepted in tourist-oriented locations though , I believe .</tokentext>
<sentencetext>Same here.
I think my mother used checks here in Finland... but last time I saw that was probably sometime in the latter part of the eighties.
There just hasn't been any need for them since; debit and credit cards are accepted almost everywhere, and where they are not, it's either pocket change (100 euros) or bank transfers (that absolutely everybody, or at least 99.9\% of people use and recipients accept, especially for such things as rent).I don't even know if any mentionable portion of Finnish businesses accept checks, or if they're in use at all nowadays, or if they can even be considered a legal tender of any kind.
Travel cheques are accepted in tourist-oriented locations though, I believe.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470458</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30486000</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261145820000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>My (UK) bank wont let me do electronic transfers over &pound;2000.</p></htmltext>
<tokenext>My ( UK ) bank wont let me do electronic transfers over   2000 .</tokentext>
<sentencetext>My (UK) bank wont let me do electronic transfers over £2000.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30475838</id>
	<title>Re:Gold</title>
	<author>JesseMcDonald</author>
	<datestamp>1261075680000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>But what can you make out of gold?</p></div><p>Quite a bit, actually. Gold has industrial and medical uses, both as a raw component and as a catalyst, not to mention its suitability for artistic endeavors, e.g. jewelry. It has a unique combination of useful material properties: extremely malleable, highly conductive, non-reactive, plus a low melting-point (for a metal). Gold wasn't chosen arbitrarily; it's value as a currency is a consequence of its enduring value as a commodity trade-good, along with its easy divisibility and resistance to rust/decay. As with any currency, of course, its present value owes both to its direct uses and the demand resulting from marketability.</p><p><div class="quote"><p>Can i get energy out of gold?</p></div><p>Yes, actually. As with any metal you can combine it with an electrolytic solution and any other metal to construct a battery. Gold-based batteries should produce a decent voltage, although they're not very efficient economically due to the cost of the gold.</p><p><div class="quote"><p>What can you grow on gold? How do you eat gold?</p></div><p>What can you grow on iron, coal, oil, or most other valuable (and inedible) commodities? Food, though necessary, is not the only good worth having.</p></div>
	</htmltext>
<tokenext>But what can you make out of gold ? Quite a bit , actually .
Gold has industrial and medical uses , both as a raw component and as a catalyst , not to mention its suitability for artistic endeavors , e.g .
jewelry. It has a unique combination of useful material properties : extremely malleable , highly conductive , non-reactive , plus a low melting-point ( for a metal ) .
Gold was n't chosen arbitrarily ; it 's value as a currency is a consequence of its enduring value as a commodity trade-good , along with its easy divisibility and resistance to rust/decay .
As with any currency , of course , its present value owes both to its direct uses and the demand resulting from marketability.Can i get energy out of gold ? Yes , actually .
As with any metal you can combine it with an electrolytic solution and any other metal to construct a battery .
Gold-based batteries should produce a decent voltage , although they 're not very efficient economically due to the cost of the gold.What can you grow on gold ?
How do you eat gold ? What can you grow on iron , coal , oil , or most other valuable ( and inedible ) commodities ?
Food , though necessary , is not the only good worth having .</tokentext>
<sentencetext>But what can you make out of gold?Quite a bit, actually.
Gold has industrial and medical uses, both as a raw component and as a catalyst, not to mention its suitability for artistic endeavors, e.g.
jewelry. It has a unique combination of useful material properties: extremely malleable, highly conductive, non-reactive, plus a low melting-point (for a metal).
Gold wasn't chosen arbitrarily; it's value as a currency is a consequence of its enduring value as a commodity trade-good, along with its easy divisibility and resistance to rust/decay.
As with any currency, of course, its present value owes both to its direct uses and the demand resulting from marketability.Can i get energy out of gold?Yes, actually.
As with any metal you can combine it with an electrolytic solution and any other metal to construct a battery.
Gold-based batteries should produce a decent voltage, although they're not very efficient economically due to the cost of the gold.What can you grow on gold?
How do you eat gold?What can you grow on iron, coal, oil, or most other valuable (and inedible) commodities?
Food, though necessary, is not the only good worth having.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471078</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472528</id>
	<title>Re:Small Businesses Will Take a Hit</title>
	<author>pbhj</author>
	<datestamp>1261060680000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>We use handepay and don't pay anywhere near the apparent percentage you're claiming. Good per transaction rates too. You need to shop around though.</p><p><a href="http://www.handepay.co.uk/index.html" title="handepay.co.uk">http://www.handepay.co.uk/index.html</a> [handepay.co.uk]</p></htmltext>
<tokenext>We use handepay and do n't pay anywhere near the apparent percentage you 're claiming .
Good per transaction rates too .
You need to shop around though.http : //www.handepay.co.uk/index.html [ handepay.co.uk ]</tokentext>
<sentencetext>We use handepay and don't pay anywhere near the apparent percentage you're claiming.
Good per transaction rates too.
You need to shop around though.http://www.handepay.co.uk/index.html [handepay.co.uk]</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470704</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470146</id>
	<title>Re:How do people pay eachother?</title>
	<author>Anonymous</author>
	<datestamp>1261080180000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>3</modscore>
	<htmltext><p>Bank transfers, Mr. Conspiracy Theorist. Cheques have been obsolete in much of Europe for years, yet there's no crushing dictatorship preventing people from giving money to one another.</p></htmltext>
<tokenext>Bank transfers , Mr. Conspiracy Theorist .
Cheques have been obsolete in much of Europe for years , yet there 's no crushing dictatorship preventing people from giving money to one another .</tokentext>
<sentencetext>Bank transfers, Mr. Conspiracy Theorist.
Cheques have been obsolete in much of Europe for years, yet there's no crushing dictatorship preventing people from giving money to one another.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470054</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30475004</id>
	<title>Re:Money spinner</title>
	<author>Slashdot Parent</author>
	<datestamp>1261072020000</datestamp>
	<modclass>Flamebait</modclass>
	<modscore>0</modscore>
	<htmltext><p>Most US credit cards carry no annual fee, and all debit cards are free.</p></htmltext>
<tokenext>Most US credit cards carry no annual fee , and all debit cards are free .</tokentext>
<sentencetext>Most US credit cards carry no annual fee, and all debit cards are free.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30471014</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470758</id>
	<title>WTF is a check?</title>
	<author>cbope</author>
	<datestamp>1261042680000</datestamp>
	<modclass>Informativ</modclass>
	<modscore>2</modscore>
	<htmltext><p>Checks? We haven't had those in wide use in Finland for at least 15 years. Every bank here and many local shops have secure electronic terminals where you can pay your bills, if you do not want to do it online. I have paid all my bills online for about 10 years now, and never had a single issue. We can also order from many Finnish-based online stores and make transfers directly from personal bank accounts, a direct debit transaction. No credit cards are needed in many cases and the approval takes no longer than a credit card transaction. Direct-debit from your own bank account is also possible in practically any shop using a so-called "bank card". In most cases, the credit cards issued by the local banks are also bank cards. When I ring up a purchase, I just tell the clerk to either charge the purchase to credit or direct-debit from my account. Easy, simple. I absolutely hated paper checks when I was living in the US. Keeping the checkbook balanced (which it never was), etc.</p><p>I don't understand this fear of online payment in the US. It seems most people in the US would gladly give out their credit card number over an unsecure landline to an unknown person/company at the other end, but paying bills online using a secure site is just too risky. Get over it and join the 21st century already.</p><p>As an American living abroad, it really frustrates me to see how totally awful some systems are in the US, when I have seen the alternatives available elsewhere. Don't get me started on healthcare, or mobile phone providers, or ISPs... or...</p></htmltext>
<tokenext>Checks ?
We have n't had those in wide use in Finland for at least 15 years .
Every bank here and many local shops have secure electronic terminals where you can pay your bills , if you do not want to do it online .
I have paid all my bills online for about 10 years now , and never had a single issue .
We can also order from many Finnish-based online stores and make transfers directly from personal bank accounts , a direct debit transaction .
No credit cards are needed in many cases and the approval takes no longer than a credit card transaction .
Direct-debit from your own bank account is also possible in practically any shop using a so-called " bank card " .
In most cases , the credit cards issued by the local banks are also bank cards .
When I ring up a purchase , I just tell the clerk to either charge the purchase to credit or direct-debit from my account .
Easy , simple .
I absolutely hated paper checks when I was living in the US .
Keeping the checkbook balanced ( which it never was ) , etc.I do n't understand this fear of online payment in the US .
It seems most people in the US would gladly give out their credit card number over an unsecure landline to an unknown person/company at the other end , but paying bills online using a secure site is just too risky .
Get over it and join the 21st century already.As an American living abroad , it really frustrates me to see how totally awful some systems are in the US , when I have seen the alternatives available elsewhere .
Do n't get me started on healthcare , or mobile phone providers , or ISPs... or.. .</tokentext>
<sentencetext>Checks?
We haven't had those in wide use in Finland for at least 15 years.
Every bank here and many local shops have secure electronic terminals where you can pay your bills, if you do not want to do it online.
I have paid all my bills online for about 10 years now, and never had a single issue.
We can also order from many Finnish-based online stores and make transfers directly from personal bank accounts, a direct debit transaction.
No credit cards are needed in many cases and the approval takes no longer than a credit card transaction.
Direct-debit from your own bank account is also possible in practically any shop using a so-called "bank card".
In most cases, the credit cards issued by the local banks are also bank cards.
When I ring up a purchase, I just tell the clerk to either charge the purchase to credit or direct-debit from my account.
Easy, simple.
I absolutely hated paper checks when I was living in the US.
Keeping the checkbook balanced (which it never was), etc.I don't understand this fear of online payment in the US.
It seems most people in the US would gladly give out their credit card number over an unsecure landline to an unknown person/company at the other end, but paying bills online using a secure site is just too risky.
Get over it and join the 21st century already.As an American living abroad, it really frustrates me to see how totally awful some systems are in the US, when I have seen the alternatives available elsewhere.
Don't get me started on healthcare, or mobile phone providers, or ISPs... or...</sentencetext>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30474198</id>
	<title>Re:Gold</title>
	<author>Anonymous</author>
	<datestamp>1261068660000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p><div class="quote"><p>Gold is about the only thing that's going to be worth anything by 2018. Maybe they should be phasing out cash too.</p></div><p>Well, now I know what Glen Beck's username is on Slashdot.</p></div>
	</htmltext>
<tokenext>Gold is about the only thing that 's going to be worth anything by 2018 .
Maybe they should be phasing out cash too.Well , now I know what Glen Beck 's username is on Slashdot .</tokentext>
<sentencetext>Gold is about the only thing that's going to be worth anything by 2018.
Maybe they should be phasing out cash too.Well, now I know what Glen Beck's username is on Slashdot.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470224</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470484</id>
	<title>Re:Does this include bank drafts?</title>
	<author>bloobloo</author>
	<datestamp>1261083180000</datestamp>
	<modclass>None</modclass>
	<modscore>1</modscore>
	<htmltext><p>As you have to pay the bank for a draft, I don't think they will be eliminated.</p></htmltext>
<tokenext>As you have to pay the bank for a draft , I do n't think they will be eliminated .</tokentext>
<sentencetext>As you have to pay the bank for a draft, I don't think they will be eliminated.</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470140</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470400</id>
	<title>There will never be anonymous digital cash.</title>
	<author>Valdrax</author>
	<datestamp>1261082280000</datestamp>
	<modclass>Insightful</modclass>
	<modscore>4</modscore>
	<htmltext><p><div class="quote"><p>We have cryptographically secure algorithms for anonymous digital cash.</p></div><p>But who wants that?  The little people?  Hah.</p><p>There are only two institutions that could create and support an anonymous cash-free financial system:  the government and big financial institutions.  Where is a motive for either one that is more juicy than the possibilities of being able to track <em>every</em> monetary transaction you engage in?</p><p>Privacy is a tool of the people to evade control by those with too much interest in their day to day lives.  No one with power wants to give <em>that</em> to the common man, and if some of us little people got together to try to build a network for handling cash out of the government's and the banks' eyes, it would be tied up in anti-terror laws faster than you can say, "Hawala."</p><p>Honestly, cash is something that would not be allowed to be invented today if it didn't already exist and wasn't too hard to get rid of.</p></div>
	</htmltext>
<tokenext>We have cryptographically secure algorithms for anonymous digital cash.But who wants that ?
The little people ?
Hah.There are only two institutions that could create and support an anonymous cash-free financial system : the government and big financial institutions .
Where is a motive for either one that is more juicy than the possibilities of being able to track every monetary transaction you engage in ? Privacy is a tool of the people to evade control by those with too much interest in their day to day lives .
No one with power wants to give that to the common man , and if some of us little people got together to try to build a network for handling cash out of the government 's and the banks ' eyes , it would be tied up in anti-terror laws faster than you can say , " Hawala .
" Honestly , cash is something that would not be allowed to be invented today if it did n't already exist and was n't too hard to get rid of .</tokentext>
<sentencetext>We have cryptographically secure algorithms for anonymous digital cash.But who wants that?
The little people?
Hah.There are only two institutions that could create and support an anonymous cash-free financial system:  the government and big financial institutions.
Where is a motive for either one that is more juicy than the possibilities of being able to track every monetary transaction you engage in?Privacy is a tool of the people to evade control by those with too much interest in their day to day lives.
No one with power wants to give that to the common man, and if some of us little people got together to try to build a network for handling cash out of the government's and the banks' eyes, it would be tied up in anti-terror laws faster than you can say, "Hawala.
"Honestly, cash is something that would not be allowed to be invented today if it didn't already exist and wasn't too hard to get rid of.
	</sentencetext>
	<parent>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30470052</parent>
</comment>
<comment>
	<id>http://www.semanticweb.org/ontologies/ConversationInstances.owl#comment09_12_16_2346231.30472130</id>
	<title>Personal??</title>
	<author>Anonymous</author>
	<datestamp>1261056480000</datestamp>
	<modclass>None</modclass>
	<modscore>0</modscore>
	<htmltext><p>I used to have a personal czech, but I dumped her!</p></htmltext>
<tokenext>I used to have a personal czech , but I dumped her !</tokentext>
<sentencetext>I used to have a personal czech, but I dumped her!</sentencetext>
</comment>
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