"Commercial music is music that a lot of people connect to at the same time, but that doesn't mean it has to be something shallow or without personality."

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If two parties, instead of being a bank and an individual, were an individual and an individual, they could not inflate the circulating medium by a loan transaction, for the simple reason that the lender could not lend what he didn't have, as banks can do. Only commercial banks and trust companies can lend money that they manufacture by lending it.

— Irving Fisher