Money
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Knowledge is like money: to be of value it must circulate, and in circulating it can increase in quantity and, hopefully, in value.
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People first, then money, then things.
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Bank failures are caused by depositors who don't deposit enough money to cover losses due to mismanagement.
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Sure, I have friends, plenty of friends, and they all come around wantin' to borrow money. I've always been generous with my friends and family, with money, but selfish with the important stuff like love.
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In fact, the confidence of the people is worth more than money.