أعوذ بال من الشيطان الرجيمIn Allah I seek refuge from the outcast (accursed) shaitaan

بسم ا الرحمن الرحيمIn the name of Allah most gracious, most merciful.

Lord of the Rings – The Fellowship of the Ring

The One Ring was forged by the Dark Lord Sauron during the Second Age in order to gaindominion over the free peoples of Middle earth

On the one ring the following was inscribed in the dark speech, that only fire could reveal

One ring to rule them all, one ring to find them,One ring to bring them all and in the darkness bind them

It is a disaster and a terrible thing indeed, and I can only imagine, to spend a lifetime, or part of alifetime as a banker, or in collusion with the bankers, working in pursuit of building an (business)empire, thinking yourself one of the few 'contributors' to society. And when you pass by, turningthe heads of people and winning the admiring looks of ladies and pretty damsels; thinking that youare some kind of angel or an 'endowment' to mankind. And then one day, you look in the mirror,and instead of seeing the reflection that endures in your mind's eye – the handsome clean cut, wellheeled, 'good', man you thought yourself to be - you see a visage staring back, red in complexion,with two horns protruding from it's head, dreadful to behold. It is a terrible thing indeed. And Ican only imagine.

Gandalf: '"Tell me, 'friend', when did Saruman the wise abandon reason for madness?!"

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Dear Brothers and Sisters – For your consideration

RIBA – THE UNJUST AND AMMORAL INCREASE IN AN INDIVIDUAL’S WEALTH

I bear witness that there is no one worthy of worship besides Allah and thatMuhammed (عليه السلم ) is the seal of the prophets.

“O Allah, let Your Blessings comeupon Muhammad and the family ofMuhammad, as you have blessedIbrahim and his family. Truly, Youare Praiseworthy and Glorious.Allah, bless Muhammad and thefamily of Muhammad, as you haveblessed Ibrahim and his family. TrulyYou are Praiseworthy and Glorious.”

د مد حم لمى آل مح عم د وم مد لمى مححم ل عم اللدهحمد صماه يمم لمى آل إ بررم عم اه يمم وم لمى إ بررم لديرتم عم ا صم مم كم

يٌد. ج يٌد مم م إ ندكم حمد مد لمى آل مححم عم ، وم د مد لمى مححم اللدهحمد بمار كر عم

اه يمم لمى آل إ بررم عم اه يمم وم لمى إ بررم تم عم كر ا بمارم مم كم. ي ج يٌد مم م ٌدإ ندكم حم

As-salaam-wa-alaikum

Here follows a number arguments that I have posted on various internet forums and thathave not been answered directly yet. Except that I have been banned from one andhave had my posts deleted from others. I will start with a few quotations from Quranand hadith:

Surah 2. Al-Baqara, Ayah 275 – 276

275 يرطمانح بدطحهح الشد ا يمقحومح الدذ ي يمتمخم مم بما لم يمقحومحونم إ لد كم لحونم الر ينم يمأركح الدذ ح الربميرعم لد اد أمحم بما وم ثرلح الر ا الربميرعح م ل كم ب أمندهحمر قمالحوا إ ندمم

نم الرممس ذمل م لمفم ا سم ب ه فمانرتمهمىل فملمهح مم نر رم ظمةٌ م ع ور هح مم اءم نر جم بما فممم مم الر رد حم وم

ال دحونم ابح الندار هحمر ف يهما خم حم ئ كم أمصر نر ادم فمأحولمل مم هح إ لمى اد وم رح أممر وم276 فدار أمث يم ب كحلد كم ح لم يحح ا قمات وم دم ب ي الصد يحرر بما وم ح الرر قح ا حم يممرMuhammedAsad - 275

Those who gorge themselves on usury behave but as he might behavewhom Satan has confounded with his touch; for they say, "Buying andselling is but a kind of usury" - that while Allah has made buying andselling lawful and usury unlawful. Hence, whoever becomes aware ofHIS (Sustainer's) admonition, and thereupon desists [from usury], maykeep his past gains, and it will be for Allah to judge him; but as for thosewho return to it - they are destined for the fire, therein to abide!

276 Allah will deprive usury of all blessing, but will give increase for deedsof charity: For He loveth not creatures ungrateful and wicked.

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Surah 3. Al-Imran, Ayah 130

ونم مر تحفرل حح لدكح م لمعم اتدقحوار ا فمة وم اعم افا م ضم عم بما أمضر لحوار الر نحوار لم تمأركح ينم آمم يما أمي هما الدذ

Mohammed Marmaduke

O ye who believe! Devour not usury, doubling and quadrupling (the sumlent). Observe your duty to Allah, that ye may be successful.

Yusuf Ali O ye who believe! Devour not usury, doubled and multiplied; but fearAllah; that ye may (really) prosper.

Surah 11. Al-Hud, Ayah 84

لم هح وم يررح ه غم نر إ لـم ا لمكحم م م مم بحدحوار ا م اعر يربا قمالم يما قمور عم اهحمر شح يمنم أمخم در إ لمى مم ومم ابم يمور ذم مر عم لميركح افح عم إ ن يم أمخم يرر وم اكحم ب خم انم إ ن يم أمرم يزم الرم يمالم وم كر وار الرم تمنقحصح

يط ح م

Mohammed Marmaduke William Pickthall

And unto Midian (We sent) their brother Shu'eyb. He said: O my people!Serve Allah. Ye have no other Allah save Him! And give not shortmeasure and short weight. Lo! I see you well-to-do, and lo! I fear foryou the doom of a besetting Day.

Yusuf Ali To the Madyan People (We sent) Shu'aib, one of their own brethren: hesaid: "O my people! Worship Allah: Ye have no other god but Him. Andgive not short measure or weight: I see you in prosperity, but I fear foryou the penalty of a day that will compass (you) all round.

Surah 11. Al-Hud, Ayah 85

ار ثمور لم تمعر يماءهحمر وم سحوار النداسم أمشر لم تمبرخم ط وم انم ب الرق سر يزم الرم يمالم وم كر فحوار الرم م أمور يما قمور ومينم د فرس ض مح ف ي المرر

Mohammed William Pickthall

"O my people! Give full measure and weight in justice, and wrong notpeople in respect of their goods. And do not evil in the earth, causingcorruption.

Yusuf Ali "And O my people! Give just measure and weight, nor withhold from thepeople the things that are their due: commit not evil in the land withintent to do mischief."

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Surah 2. Al-Baqara, Ayah 251

ا مد هح م لدمم عم ةم وم مم كر الرح لركم وم ح الرمح آتماهح ا الحوتم وم ودح جم اوح قمتملم دم ن ا وم محوهحم ب إ ذر فمهمزمل م ذحو فمضر ك ند ا لـم ضح وم دمت المرر ض لدفمسم هحمر ب بمعر ضم فرعح ا النداسم بمعر لم دم لمور اءح وم يمشم

ينم المم لمى الرعم عم

Mohammed Marmaduke William Pickthall

So they routed them by Allah's leave and David slew Goliath; and Allahgave him the kingdom and wisdom, and taught him of that which Hewilleth. And if Allah had not repelled some men by others the earthwould have been corrupted. But Allah is a Lord of Kindness to (His)creatures.

Yusuf Ali By Allah's will they routed them; and David slew Goliath; and Allah gavehim power and wisdom and taught him whatever (else) He willed. Anddid not Allah check one set of people by means of another, the earthwould indeed be full of mischief: But Allah is full of bounty to all theworlds.

Surah 3. Al-Imran, Ayah 137

ب ينم ذد كم اق بمةح الرمح انم عم يرفم كم وار كم ض فمانرظحرح وار ف ي المرر يرح نمٌن فمس مر سح ن قمبرل كح لمتر م قمدر خم

Pickthall Systems have passed away before you. Do but travel in the land and seethe nature of the consequences for those who did deny.

Yusuf Ali Many were the ways of Life that have passed away before you: travelthrough the earth, and see what the end of those who rejected Truth.

Surah 11. Al-Hud, Ayah 86

ف يظ لميركحم ب حم ا أمنمار عم مم ن ينم وم م ؤر نتحم م مر إ ن كح يرٌر لدكح بمق يدةح ا خم

William Pickthall

That which Allah leaveth with you is better for you if ye are believers;and I am not a keeper over you.

Yusuf Ali "That which is left you by Allah is best for you, if ye (but) believed! but Iam not set over you to keep watch!"

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The Prophet (pbuh) has explained this ignominy in a very telling way (a major sin):

Note: I have searched high and low to find the following two ahadeeth which I used tofind easily. I've quoted them by doing a cut and paste from the internet. As thisdocument was collated an edited in electronic format it is quite susceptible to mischiefmongers, so gentle reader, beware, and verify the authenticity; especially of quotations.In any event, the hadith in question seems to have been excised from mainstreamcollections – and Allah knows best.

Reported by al-Haakim in al-Mustadrak, 2:37; see also Saheeh al-Jaami’, 3533.

Abdullaah ibn Mas’ood reported: The Prophet (pbuh) said: “There are seventy-threetypes of riba, the least of which is as abhorrent as a man having intercourse with hisown mother and worst of which is [violating] a Muslim's honour and sanctity.

Reported by Imam Ahmad, 5:225; see also Saheeh al-Jaami’, 3375.

‘Abdullah ibn Hanzalah reported: The Prophet (pbuh) said: “Knowingly consuming adirham of riba is worse for a man than committing adultery thirty-six times.”

Tirmidhi Volume 3 Chapter 2 Hadith 1206

Narrated by Ibn Mas'ud:"The Messenger of Allah cursed the one who consumed Riba,and the one who charged it, those who witnessed it, and the one who recorded it."(Hasan)

Surah 4. An-Nisaa, Ayah 10

نم لمور يمصر سم لحونم ف ي بحطحون ه مر نمارا وم ا يمأركح الم الريمتماممى ظحلرما إ ندمم وم لحونم أممر ينم يمأركح إ ند الدذ يرا ع سم

Marmaduke William Pickthall

Lo! Those who devour the wealth of orphans wrongfully, they do butswallow fire into their bellies, and they will be exposed to burningflame.

Yusuf Ali Those who unjustly eat up the property of orphans, eat up a Fire intotheir own bodies: They will soon be enduring a Blazing Fire!

Bukahri: Volume 4: Chapter 23 Hadith 2766

Narrated AbU Hurairah (رضي ا عنه) The Prophet (pbuh), said, "Avoid the seven greatdestructive sins." The people enquired, "O Allah's Messenger (pbuh)! What are they?"He said, "(1) To join others in worship along with Allah (swt); (2) To practise sorcery,(3) To kill the life which Allah has forbidden except for a just cause, (according to

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Islamic law); (4) To eat up Riba (usury); (5) To eat up an orphan's wealth; (6) To showone's back to the enemy and fleeing from the battlefield at the time of fighting, and (7)To accuse chaste women, who never even think of anything touching chastity and aregood believers."

In his farewell speech the Prophet Muhammed (عليه السلم) said: O people, listen to mywords, for I do not know whether we shall ever meet again and perform Hajj after thisyear. “O ye people, Allah says: O people! We created you from one male and onefemale and made you into tribes and nations, so as to be known to one another. Verilyin the sight of Allah, the most honoured amongst you is the one who is most Allah-fearing.” There is no superiority for an Arab over a non-Arab and for a non-Arab overan Arab, nor for the white over the black nor for the black over the white, except inAllah-consciousness. … All interest and usurious (RIBA) dues accruing from thetime of ignorance stand wiped out. And the first amount of interest (RIBA) that I remitthat which Abbas bin Abd-al-Muttalib had to receive. Verily it is remitted entirely.

… O people, verily your blood, your property and your honour are sacred andinviolable until you appear before your Lord, as the sacred inviolability of this day ofyours, this month of yours and this very town (of yours). Verily, you will soon meetyour Lord and you will be held answerable for your actions ...

… All debts must be repaid, all borrowed property must be retuned, gifts should bereciprocated and a surety must make good the loss to the assured … Nothing of hisbrother is lawful for a Muslim except what he himself gives willingly. So do not wrongyourselves. O people, every Muslim is the brother of the other Muslim, and all theMuslims form one Brotherhood. And your slaves! See that you feed them with suchfood as your eat yourselves, and clothe them with the same clothes that you, yourselveswear. Take heed not to go astray after me, and strike one another's necks … O people!Listen and obey, though a mangled Abyssinian slave is appointed as your Amir,provided he executes (the Ordinance of) the Book of Allah amongst you.

… Verily I have left amongst you that which will never lead you astray, the Book ofAllah (and the sunnat of his prophet (pbuh)), which, if you hold fast, you shall never goastray. And beware of transgressing the limits set in the matters of religion, for it istransgression of (the proper bounds of) religion, that brought destruction to (manypeople) before you.

Verily, the Satan is disappointed at never being worshipped in this land of yours, but ifobedience in anything (short of worship is expected, that is): he will be pleased inmatters you may be disposed to think insignificant, so beware of him in your matters ofreligion. … Let him that is present, convey it unto him who is absent. For it may bethat people to whom the message is conveyed, may be more mindful of it than theaudience.

Da'wah Acadmy International Islamic University. P.O. Box 1485, Islamabad, Pakistan.

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Argument No 1: Usurping the power of the market.

Ibn Taymiyyah detailed a fundamental analysis of the market mechanism, with atheoretical insight unusual in his time. His economic discourses included a discussionof welfare advantages and disadvantages of market regulation and deregulation.

Ibn Taymiyyah commenting on the power of Supply and Demand:

"If desire for goods increases while its availability decreases, its price rises. On the other hand, if availability of the good increases and the desire for it decreases, the price comes down."

Essentially the price of goods in the market reflect an equilibrium point between whatsuppliers are willing to sell at and what demanders are willing to pay. You can use thesimilitude of a market being equivalent to a pool, the size of the pool to represent thesize of the market, the price of a commodity in the market as equivalent to the level ofwater in a swimming pool, the amount of water to be equivalent to the amount ofmoney (liquidity) in the market and finally and movement in the level of the pool as achange in suppliers and demanders (getting in and out of the pool). Note the followingtwo points; one, that it doesn't matter whether a supplier or a demander gets into thepool; the overall demand for liquidity will increase , resulting in an equivalent increasein the level of the pool, and two, that we are not focusing on the goods being traded butrather the liquidity (money) needed to allow trade to take place. That Islam does notdistinguish between goods and money is a key component of this discussion. Both arecommodities in an Islamic market (vis a vis dates, wheat, barley, gold and silver havebeen used as money in Islamic societies). This is a subtle, but important point. One mayargue that demand for money is infinite, so the one who controls supply controls themarket.

As people get into or out of the pool (our similitude of a market), the water level (price)rises or falls with the equilibrium water level depending on how many people are in thepool at any given time. Of course, in a real market it takes some time for prices (thelevel of the pool) to find a new equilibrium. If the water in the pool represents themoney supply (liquidity), you can see how adding more money (water) would increasethe level of the pool, or prices in a market. The subsequent increase in prices reducesthe value of everybody's money by a small amount and increases the value of theinstitutions who created the money by a large amount. Having said that I would like todraw your attention to the following hadith of the Prophet Muhammed (عليه السلم):

Reported by al-Haakim, 2:37; see also Saheeh al-Jaami’, 3542.

The Prophet (pbuh) said: “Even if riba is much, it will end up being a small amount.”

Prices are affected by the money supply (liquidity), which in turn, depends on thenumber of suppliers and demander's in a market . This is known in economic terms asinflation (an increase in price level) and deflation (a drop in price level). You shouldnote, that in my living memory I have never experienced deflation for any significant

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period of time. The evidence seems to suggest only one conclusion, as it concernsbankers (who control money supply) - that in the long term, bankers are continuallyincreasing the money supply.

If any one player or group of players control the supply of money, they then have directcontrol of prices; and by extension the market. When you consider that money wentfrom being gold and silver (and other commodities), to being just printed paper, youcan then understand the ease with which markets can be controlled by increasing ordecreasing the amount of printed paper in the market. In so doing, they are able tosubvert control of the factors of production in any market to the benefit of the few (theirfavoured sons) and to the detriment of the masses (more on this later). Now, extend thismethod on a global scale (referring to the discussion on reserve currency in argument 4,below), and you can begin to understand the poverty of so called, 3rd world countriesand the apparent wealth of 1st world counties. To my mind, it appears to be a sequel tothe imperialist age. Colonialism as we knew it, merely changed its dress, and assumeda disguise. The people of the global village we live in today, have yet to truly win theirfreedom, from this continuation of slavery.

In my study of the historical process of money and the banking industry, I have foundthe 'Rothschilds', to be the most notorious of bankers on record. Their ambition, tobring to existence a new world order through the use of this mechanism of marketcontrol is expressed in this, their statements, quoted below:

"The few who understand the system, will either be so interested from it's profits or sodependant on it's favours, that there will be no opposition from that class." - RothschildBrothers of London, 1863

"Give me control of a nation's money and I care not who makes it's laws" - MayerAmschel Bauer Rothschild

At this point, let's cast our minds to the global economic and political landscape aroundthe world. It doesn't take long for one to see that most, if not all countries are modelledas Banktocrasies (that’s a combination of the words Banks and Democracies). Most'Muslim' countries represent themselves as countries based on Sharia (I'm referring togovernments, not to individual Muslims - so please don't misunderstand me). It seemsstrange to me, that these governments mirror the American Republican state in design,instead of the Prophet Muhammed's (عليWWه السWWلم) caliphate state. Apart from therepolitical structure, I would ask you to compare these countries financial and monetarysystems.

Having studied and read the Quran (as a neophyte at best – that means layman), I havefound in the Holy Book that Allah and his Prophet (pbuh) have declared WAR on RIBA. The meaning of riba is, as I understand it: 'unjust increase in wealth.' Would youagree with this interpretation as I have stated it above? If not, how would you define it?

It occurs to me that Allah has not declared WAR on any other sin in the whole Quran.

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The punishment for shirk (disbelief in the Creator of the Worlds – of everything seenand unseen), is hell fire. The next most severe punishment is WAR, especially a wardeclared by Allah (swt) and his prophet (pbuh).

Just remember: This is your last chance. After this there is no turning back. You take thered pill: the story ends, you wake up in your bed and believe whatever you want tobelieve. You take the blue pill: you stay in Wonderland and I show you how deep the'lizard' hole goes." - Morpheus, The Matrix (slightly edited by me).

(Please note that some of the web links used in this document are outdated, however, agoogle search should bear fruit).

Surah 2. Al-Baqara, Ayah 278-279

278 نتحم بما إ ن كح نم الر ا بمق يم م وار مم ذمرح م وم نحوار اتدقحوار ا ينم آمم يما أمي هما الدذ ن ينم م ؤر م

279 مر إ ن تحبرتحمر فملمكح سحول ه وم رم نم ا وم ب م رر نحوار ب حم لحوار فمأرذم فمإ ن لدمر تمفرعملم تحظرلممحونم مر لم تمظرل محونم وم ال كح وم وسح أممر ؤح رح

Mohammed Pickthall - 278

O ye who believe! Observer your duty to Allah, and give up whatremaineth (due to you) from usury, if ye are (in truth) believers.

279 And if ye do not, then be warned of WAR (against you) from Allah andHis messenger. And if ye repent, then ye have your principal (withoutinterest). Wrong not, and ye shall not be wronged.

Yusuf Ali - 278

O ye who believe! Fear Allah, and give up what remains of yourdemand for usury, if ye are indeed believers.

279 If ye do it not, take notice of WAR from Allah and His Messenger: But ifye turn back, ye shall have your capital sums: Deal not unjustly, and yeshall not be dealt with unjustly.

The usurious banking system currently implemented in both Muslim and non-Muslimcountries; banks, from the world bank down, loan money on the principal of fractionalreserve banking. The reserve requirement can be ten percent but may be as low asthree percent (and recently even less). This means that they only need to hold a smallamount of cash in relation to the total amount of money that they lend to borrowers; ineffect the money lent is not deposits (depositors money), but money that they create outof thin air (the money multiplier effect – please study this concept using a goodtextbook or internet reference). In addition they require collateral put up by theborrower to secure the loan, thus insulating themselves from any risk. In the long runthis process subverts control of the factors of production in an economy in favour of thebankers.

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So, keeping in mind that ninety percent or more of the loan is money created out of thinair, it follows, from the market law of SUPPLY AND DEMAND, that this increase inthe amount of money (liquidity) in the market, as a direct result of a usurous bankingsystem, reduces the value of everyone else's money, which is unjust and thereforeRIBA. The result is what's colloquially know as inflation, reducing the value of themoney of the masses, every time a loan is given (again; because supply is beingunjustly increased by money created out of nothing). This results in an unjust reductionof everyone's wealth and Allah has warned about reducing peoples wealth unjustly inthe Quran.

Surah 30. Ar-Rum, Ayah 39

اة تحر يدحونم كم ن زم ا آتميرتحم م مم ندم اد وم بحو ع ال النداس فملم يمرر وم بحوم ف ي أممر با ل يمرر ن ر ا آتميرتحم م مم ومفحونم ع لمئ كم هحمح الرمحضر هم اد فمأحور جر وم

Mohammed William Pickthall

That which ye give in usury in order that it may increase on (other)people's property hath no increase with Allah; but that which ye give incharity, seeking Allah's Countenance hath increase manifold.

The following quote from wikidpedia might be of interest to you, dear reader: “TheBritish Parliament had controlled colonial trade and taxed imports and exports since1660. The English Bill of rights of 1689, had forbidden the imposition of taxes withoutthe consent of Parliament. Since the colonists had no representation in Parliament, thetaxes violated the guaranteed Rights of Englishman. Parliament initially contended thatthe colonists had virtual representation, but the idea "found little support on either sideof the Atlantic". John Dunmore Lang wrote in 1852, "The person who first suggestedthe idea [of Parliamentary representation for the colonies] appears to have beenOldmixon, an American annalist of the era of Queen Anne or George I. It wasafterwards put forward with approbation by the celebrated Dr. Adam Smith, andadvocated for a time, but afterwards rejected and strongly opposed, by Dr. BenjaminFranklin."

It seems that the American war of independence was fought and won on the shibboleth(slogan) that there can be no taxation without representation (this is called shura inIslam), a position that I wholeheartedly support. Indeed the fundamental precept of anydemocratic Republic is based on liberty which by definition means that there can be notaxation without representation. And yet, under the same so called 'legal' framework,banks tax everyone, including the spending money of little children. One might ask,what is the purpose of taxation if the government and its banking clique can createcurrency at their behest (reducing the value of everyone else’s money)? To create anillusion of freedom perhaps, while they fund their secret projects? And where is thetransparency, the democracy and the liberty in that? When public servants, becomepublic masters; then let the citizen beware!

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"The refusal of King George 3rd to allow the colonies to operate an honest moneysystem, which freed the ordinary man from the clutches of the money manipulators,was probably the prime cause of the revolution." -- Benjamin Franklin, FoundingFather

Money in Islam (consider mehr (dowry) being payed), would understand what I'mtalking about), Christianity (of entiquity) and Judaisim (of entiquity) is primarilyGOLD and SILVER and when these are in short supply then other commodities, wherethe value of the MONEY is in the MONEY (intrinsic value). With this kind of moneypeople are protected from the lowering value of printed currency, as effort has to beexpanded to create money with intrinsic value. Banks immunise themselves from lossby insisting on collateral. In Islam, business (a transaction that shares the opportunityfor profit OR loss) is halaal, and riba is haraam; this means that an Islamic institutionhas to share in the opportunity for profit and loss for it to avoid the sin of riba.

Notice I have not mentioned time. Because time is NOT money. You may take anyperiod of time that you care to – it is the amount of effort that you expand, in thatperiod of time that has the potential to create value (money), through the mechanism ofthe market (by the permission of Allah) – where market participants would vote withtheir feet, or rather vote with their money – real money, that no one individual canreduce, or increase the value of, without participating in the market.

To summarise; the business strategy of banks (and fiat currency is a key component ofthis strategy) are designed so that they share in all the profits and the people share in allthe risk (through the mechanism of collateral). Debt spending, which is what banksbase their business model on, is essentially a speculative transaction that sells the'future' value of an individuals labour in the present (collateral insures the bank againstloss). It is in fact, an insidious form of slavery, by democratic consent! Why haveMuslim countries (such as Pakistan, Indonesia, Saudi Arabia, etc.) chosen to use fiatcurrency when it follows that this is the vehicle of riba (with a concomitant declarationof war from Allah). See Surah 2. Al-Baqara, Ayah 279 quoted on page 8.

Why does my research show that a thinly disguised western system of banking is beingused by these so called Islamic banks? Which has the same result as that of WesternBanking – the masses of the people being robbed of their wealth through themechanism of inflation (which is really theft) and being pushed into poverty. Whydon’t Muslim countries use primary (gold and silver coinage) and secondary (othercommodities) monies (to guard against monopolists) to avoid this very serious sinwhich Allah and his Prophets (pbuh) have repeatedly warned against.

If banks had been limited to simply facilitating the channelling of depositors money tolarge projects for the benefit of society at large there was a good chance that such abusiness model would have been successful. However their wild foray into moneycreation, within the so called 'democratic' legal framework, without any thought for thelong term sustainability of such a system; has resulted in a society where one percent ofthe population owns or controls ninety percent of the resources (factors of production).

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This one percent are primarily those who control the banks. Of course how they createcapital, through the manipulation of the law of supply and demand, robbing the massesof their wealth, through a process that they colloquially refer to as inflation is a littleknown fact and not much publicised. If you are not a banker at heart, then like me, I'msure you are wondering why this not discussed in public? Is it perhaps because theycontrol the media?

It's a strange thing to behold, in a country that is blessed with gold, silver and othermineral wealth besides, that the people will 'democratically' choose to use paper asmoney, exposing themselves to theft and collusion in theft Is this how much they valuetheir effort and their lives? It's even stranger to see, that most people with a moralcentre; who would ask their own child, if he came home with something: 'where didyou get it?', would not have the presence of mind to ask the banker, who dresses in'civilised' clothes, :'where did the money come from for the loan?', or more accurately;where did the value in the money that the banker created out of nothing, come from?After all, he may be a financial wizard, but he is certainly not illah (God), and cannotconjure value out of nothing. For a People to blindly enslave themselves to robbers andmurderers; that's a strange thing indeed.

Bonded slave labour is defined by wikidpedia as follows:

Debt bondage or bonded labour occurs when a person pledges himself or herself (orpersonal property, like their home) against a loan (which I now recognise as riba) . Theservices required to repay the debt, and their duration, may be undefined. Debtbondage can be passed on from generation to generation, with children required to payoff their parents' debt (otherwise they'll be homeless – see how pernicious this systemis). It is the most widespread form of slavery today. Debt bondage is most prevalent inSouth Asia. I would say that this form of slavery is prevalent world-wide. But ofcourse we must defer to the scholarship of wikidpedia (that's irony, in case you'rewondering). The Islamic view is that people who create and support such systems (ribabased) will be punished with a severe punishment in this world and in the afterlife.

http://en.wikipedia.org/wiki/Slavery#Chattel_slavery

The Prophet Muhammed (السلم cursed the giver of riba, the taker, the scribe (I (عليه suppose accountant, is what they are called these days – not much has changed from thedays past it seems, accept the tools of the trade), and the witnesses to such a transaction;all of them combined, are promised a place in hell-fire.

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Surah 83. Al-Khaf, Ayah 100-105

100 ضا رر اف ر ينم عم ئ ذ ل لركم مم همندمم يمور نما جم ضر رم عم وم

Pickthall On that day we shall present hell to the disbelievers, plain to view,

Yusuf Ali And We shall present Hell that day for Unbelievers to see, all spread out, -

101 عا مر يعحونم سم تمط انحوا لم يمسر كم ر ي وم كر ن ذ طماء عم يحنحهحمر ف ي غ انمتر أمعر ينم كم الدذ

Pickthall Those whose eyes were hoodwinked from My reminder, and who could notbear to hear.

Yusuf Ali (unbelievers) wose eyes had been under a veil from remembrance of Me, andwho had been unable even to hear.

102 ل ينم نحزح اف ر همندمم ل لركم نما جم تمدر ل يماء إ ندا أمعر ن دحون ي أمور بماد ي م ذحوا ع وا أمن يمتدخ فمرح ينم كم بم الدذ س أمفمحم

Pickthall Do the disbelievers reckon that they can choose My bondmen as protectingfriends beside Me? Lo! We have prepared hell as a welcome for thedisbelievers.

Yusuf Ali Do the unbelievers think that they can take My servants as protectors besidesMe? Verily We have prepared Hell for the unbelievers for (their) entertainment.

103 ال مم ر ينم أمعر سم مخر مر ب الر قحلر هملر نحنمب ئحكح

Pickthall Say: Shall We inform you who will be the greatest losers by their works?

Yusuf Ali Say: 'Shall We tell you o f those who lose most in repect of their deeds? -

104 نرعا نحونم صح س بحونم أمندهحمر يححر سم هحمر يمحر نريما وم يماة الد يحهحمر ف ي الرحم عر لد سم ينم ضم الدذ

Pickthall Those whose effort goeth astray in the life of the world, and yet they reckonthat they do good work.

Yusuf Ali "Those whose efforst have been wasted in this life, while they thought that theywere acquiring good by their works?"

105 نا زر ة وم مم الرق يمامم الحهحمر فملم نحق يمح لمهحمر يمور مم ب طمتر أمعر ل قمائ ه فمحم ب ه مر وم وا ب آيمات رم فمرح ينم كم أحولمئ كم الدذ

Pickthall Those are they who disbelieve in the revelations of their Lord and in themeeting with Him. Therefor their works are vain, and on the Day ofResurrection We assign no weight to them.

Yusuf Ali They are those who deny the Signs of their Lord and the fact of their having tomeet Him (in the Hereafter): vain will be their works, nor shall We, on the Dayof Judgement, give them any weight.

I think the above verses are self-explanatory in view of our discussions of riba thus far.However, two things stand out, one is that any business gain that is based on riba is ofno real value (castles in the air) and the second point, is that the simile used for value inthe Quran is a measure in terms of weight. Let the democrats and their 'democratically'elected officials beware of these verses. It's a universal warning to people who thinkthemselves above the natural Law of Allah. And let the reader beware!

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Argument 2: Following the Herd (instead of Quran and Sunnat).

The measure of a muslim state (and indeed of each individual muslim) is how closelythey follow Quran and Sunnat. After all, didn't the prophet Muhammed (عليه السلم) sayin his farewell speech that he leaves two things - 'Quran and sunnat'. So that must bethe benchmark for a tribe or a nation, and indeed, for the individual, calling himselfMuslim. In Islam we do believe in consultation 'shura', however, their is no such thingas democracy - where the majority or minority, as in the case of some countriesinterpretation of democracy, rules. In all cases Allah’s sovereignty is recognised assupreme in the Muslim state. In other words you cannot by majority change the law ofAllah - if a majority believe that the Americans did indeed land on the moon or that9/11 was perpetrated by 'Islamic' terrorist, as they claim - that does not necessarilymake it so. Yet America goes to war on these so called 'majority' opinions which seemto change like the wind. The very definition of being a muslim is acknowledging thecreators sovereignty and submitting to his will (Quran and sunnat). Of course thisincludes not only in how leaders are chosen, but also how we select an economic modelfor the Islamic state.

So how do these Islamic countries explain their acceptance of a western styledgovernment ruled by money, or currency if you prefer that term. And let's not throwdust in the eyes, the evidence is quite apparent that its the ones with the most moneythat make the rules (consider American lobbying groups and the vast amount of moneyspent by them in pursuit of their ambitions). This contradicts the Islamic ethos ofAllah's sovereignty completely.

And in conclusion I would like to quote a hadith of my beloved prophet Muhammad(pbuh):

“Allah's Messenger (pbuh) said: 'You will indeed follow the ways of those before you,hand span by hand span, and an arms length after another. Even if they enter into alizard’s hole, you will follow them.’ We (the Sahaba) asked, ‘Is it the Jews and theChristians?’ He replied, ‘Who else!?’” [Bukhari]

Note that the sahaba of those days used to refer colloquially to Shaitaan as the 'lizard'.

I'm sorry to say that, looking at American social, economic and monetary systems, toname just a few of these - this is exactly what has now happened; thanks to our leaderswho have betrayed us (either wittingly or unwittingly; with deliberate knowledge or inignorance).

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Argument 3: Patriotism and Nationalism.

I believe the larger issue of buying and selling (trade), is something most people don'tconsider. As long as they (the people who control the creation and lending of currency- Bankers) got us 'believing' in fiat currencies (paper), consumers will always be on theback foot, notwithstanding where you buy your products from. And this applies tosuppliers too. The nationalistic or patriotic loyalty to paper currency, whether it's adollar, euro, riyal or rand is a dangerous emotional relationship. It belies anyrationality - let me quickly illustrate:

You go to the bank for a loan to buy a car, new curtains for the wife or a new gaminglaptop (let's be honest - daddy needs something to play with when mummy isindisposed). The bank, loans you the money (fiat currency); and this is where it getsinteresting. My experience is that most people with a moral centre would not borrowmoney from someone, who, say, robs old women of their pensions, or children of theirpocket money.

But the bank, which works on the fractional reserve basis, (and please study theseterms, because this is how they pull the wool over our eyes), creates this money out ofnothing. That's right. They don't borrow you the deposits they have, they create it outof nothing, robbing everybody, including children and old women.

It is generally accepted by the scientific world that everything, and everyone existing orliving in the material (corporeal) world are subject to the physical laws of nature. Itwould be instructive at this point to recall Isaac Newton's fist Law (while it is appliedprimarily to mechanics, it has, in a philosophical sense, a much broader applicabilityconsider for example, something as 'mundane' as idle conversation and the impact it canhave through interpretation and mis-interpretation). Newton stated that: for everyaction there is an equal and opposite reaction. Gravity, as an example, has no materialform, but it projects a force of attraction between physical bodies, in like manner, thelaw of markets (the law of supply and demand), holds sway over markets. As soonas you spend this money that the bank created out of nothing it enters the market, andbecause it increases SUPPLY it gradually reduces the value of everyone else's money.Can you see what a 'devious' business model this is. The bank is essentially lendingyou 'value' that belongs rightfully to everyone else (including old women and littlechildren). And doing it without their consent (remember - this is not depositors money,or currency, if that term pleases you). This makes the borrower either an unwittingparticipant; or if they new something about monitory economics, a witting participantin this theft.

To add insult to injury, the bank requires collateral for the loan. So not everyone gets toparticipate in this theft. Just a privileged few - those of the banker class and those fromthe middle classes who have managed to save something in these 'difficult'circumstances, and are able to use that as collateral to borrow. Collateral immunises thebank from any risk. If the borrower defaults on the loan the bank recoups the value(money) that it had robbed other people of in the first instance, by simply calling in the

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collateral. You beginning to understand what dollars, euros and riyals are now? Avehicle of theft designed to entrench the ruling class - The BANKER class. The priceof entry into this class is to sell your humanity by becoming a gambler and robber.

Did you know that the dollar is defined as the 'reserve' currency' of the world. Don't weneed to question why we need a reserve currency?

At this point, I think we need to call upon six honest serving men. And you know whothey are right? There names are: who and what and when and where and how, andwhy? If you choose to use them faithfully, I give you a personal guarantee that theywill not let you down.

I'll give you a hint as to what 'reserve currency' is - nothing more then imperialism innew clothes. It adds another dimension to macro-economic slavery (colonialism, beingsomething we all get to learn about at school, at least I hope they still teach the subject),which empowers the owner's of the FEDERAL RESERVE (privately owned by thebanker ruling class) to export their 'inflation' to other countries. But I'm afraid I'vetaken too much of your precious time already, so that's going to have to be a lesson foranother time, or a later chapter.

Suffice is to say, that its the masses of the poor at the bottom of the economic ladderthat get hit the hardest by this theft. They neither have the collateral to participate insuch a morally repugnant economy, nor would they, for the most part, want to, I believe(ceteris paribus). I've met some of them. They have hearts just like the rest of us; andjust like the rest of us, are people who do not want to be guilty of robbing children andold women.

Banker theft, is what I like to call it, and it is theft by democratic consent!

p.s. I hope I've wetted your appetite to study the subject further. If you are interested,here's a youtube link I can recommend to start with.

http://www.youtube.com/watch?v=DyV0OfU3-FU

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Argument 4: Reserve currency.

Ah, I see you're still here, well in that case let's soldier on. We will quickly discuss whythe dollar is the 'reserve' currency of the world. Why would you need a 'reserve'currency? What does 'reserve currency' mean and what are it's economic implications?As always it's best to illustrate with a typical example. But before we do that letsbriefly revisit some history behind the market law of supply and demand: “Accordingto Hamid S. Hosseini, the power of supply and demand was understood to some extentby several early Muslim scholars, such as fourteenth-century Mamluk scholar IbnTaymiyyah, who wrote: "If desire for goods increases while its availability decreases,its price rises. On the other hand, if availability of the good increases and the desire forit decreases, the price comes down."

John Locke's 1691 work 'Some Considerations on the Consequences of the Lowering ofInterest and the Raising of the Value of Money' includes an early and clear descriptionof supply and demand and their relationship. In this description demand is rent: “Theprice of any commodity rises or falls by the proportion of the number of buyers andsellers” and “that which regulates the price [of goods] is nothing else but their quantityin proportion to their rent.”

The phrase "supply and demand" was first used by James Denham-Steuart in hisInquiry into the Principles of Political Economy, published in 1767. Adam Smith usedthe phrase in his 1776 book The Wealth of Nations, and David Ricardo titled onechapter of his 1817 work "Principles of Political Economy and Taxation "On theInfluence of Demand and Supply on Price"".

http://en.wikidpedia.org/wiki/Supply_and_demand#cite_note-Hosseini-12

In 1973 the US of A and Saudi Arabia (once again I'm referring to governments notindividuals) made a deal that resulted in the creation of a monopoly on oil sales, viz.,that Saudi Arabia (and indeed all OPEC countries) agrees to sell all its oil only for USdollars into the world market and in return the US guarantees the Saudi State withmilitary protection (protection money). Is there any basis for this in Islam? Did theProphet Muhammed (عليه السلم) pay quraish? Or did he break his ties with them, whenthey persecuted the Muslims? The United States currently has special forces covertlyoperating in many (reported as 75 by thepeopleshistory.net) countries around the world,many of them oil rich countries in Africa, the middle and far east, presumably to protectleadership structures that support using the dollar for international trade. But this doesnot only apply to oil, but to gold, platinum, silver, etc. By now I'm sure you've guessedthe direction in which this argument is going. What we have is essentially an AngloAmerican empire built on the principle of RIBA. We, as South Africans are an essentialpart of this global empire built on monopoly and fraud. South Africa boasts the largeststockpiles of (unbeneficiated) strategic minerals in the World – priced in dollars for themost part; and if not in dollars then some other fiat currency. Take your pick. Theoutcome is the same.

http://www.thepeopleshistory.net/2013/06/understanding-petrodollar-means.html

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By creating a global law (at least in the West), that oil could only be purchased withdollars, what was essentially being created was a monopoly, and so came about the socalled 'petro dollar'. The prophet Muhammed (عليه السلم) cursed the one who created amonopoly on an essential good:

Book 31, Number 31.24.56: Yahya related to me from Malik that he had heard that Umar ibn al-Khattab said,"There is no hoarding in our market, and men who have excess gold in their handsshould not buy up one of Allah's provisions which he has sent to our courtyard and thenhoard it up against us. Someone who brings imported goods through great fatigue tohimself in the summer and winter, that person is the guest of Umar. Let him sell whatAllah wills and keep what Allah wills."

llztikd'r: Means a planned hoarding of something for future profit. Ihtikâr is prohibitedand unlawful as it creates artificial scarcity of essential goods. To think that this wasbeing done by Saudi Arabia? A country which boasts the birthplace of the Prophet(pbuh) and openly violating Allah's law without a care of its consequences? Boggles themind, doesn't it? Is this really a Muslim government, or just part of the new worldorder? A global reserve currency enables monopolising of buying and selling ofessential commodities on the world market and allows the creator of the reservecurrency to export its inflation primarily through the mechanism of artificial demandfor its currency. This type of a monopoly (currency monopoly) undermines thefundamental precepts of a just and equitable market.

How America Exports Inflation - Explained in Ten Easy Steps

1. American people buy stuff they don’t need from foreign countries with money they don’t have on US bank credit card.

2. US Bank creates new US dollars out of thin air by creating debt for American people and giving US dollars to foreign companies including OPEC.

3. New debt stays in America while new US dollars leave America.4. Foreign companies takes new US dollars to their central banks and exchanges

for local curreny.5. Foreign central bank prints new notes in their currency out of thin air and

handed over to foreign company in exchange for US dollars.6. Foreign central bank puts US dollars in a vault out of circulation (mostley used

for buying oil)7. New US dollar’s are out of circulation, not impacting market value of existing

US dollars and therefore not impacting US dollar price inflation. 8. Foreign currencies are in circulation, negatively impacting value of existing

local currencies causing price inflation (rise in prices).9. US dollar value remains artificially high while foreign local currencies are

devalued.10.American people and other people are poorer. US banks, foreign company and

foreign central banks are wealthier. http://knowmadiclife.com/blog/2013/5/15/how-america-exports-inflation-explained-in-ten-easy-steps (quote is slightly edited by me)

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It's the masses of the people who, being unable to insulate themselves from this kind ofcurrency manipulation and inflation that suffer the most. Would the prophet (pbuh)have condoned this type of a financial and monetary system? Your conclusion is asgood as mine; if you fear a day of reckoning?

Surah 2. Al-Baqara, Ayah 122-123

122 لمى مر عم لرتحكح أمن ي فمضد مر وم لميركح تح عم مر ت يم الدت ي أمنرعم مم وار ن عر كحرح ائ يلم اذر رم يما بمن ي إ سرينم المم الرعم

123 هما لم تمنفمعح ٌل وم در نرهما عم لم يحقربملح م يرئا وم ن ندفرس شم ز ي نمفرٌس عم ما لد تمجر اتدقحوار يمور ومونم رح لم هحمر يحنصم ةٌ وم فماعم شم

MohammedPickthall - 122

O Children of Israel! Remember My favour wherewith I favoured youand how I preferred you to (all) creatures.

123 And guard (yourselves) against a day when no soul will in aught availanother, nor will compensation be accepted from it, nor will intercessionbe of use to it; nor will they be helped.

Yusuf Ali - 122

O Children of Israel! Call to mind the special favour which I bestowedupon you, and that I preferred you to all others (for my Message)

123 Then guard yourselves against a Day when one soul shall not availanother, nor shall compensation be accepted from her nor shallintercession profit her nor shall anyone be helped.

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Argument 5: Ulema.

In a world of banking, fiat currency, money created out of nothing and fractionalreserve banking; being a thief and dishonest, I'm sorry to say has become the rule ratherthan the exception. You see, if the monetary and economic foundations are based on aninherent immoral, but legally protected system, dishonesty is then imposed on thepeople. Of course, the irony is, our very participation in such an economy empowers,entrenches and legitimises it (by getting in the pool and creating demand). In otherwords in the time of dajjal even those who claim that they distance themselves fromriba will have the dust of riba upon them (paper money in my opinion). But of coursewe wouldn't know this, if someone had not informed us about it. See where I'm goingwith this? Our Ulemā need to take the reigns in regards to this subject and discuss it indetail, instead of standing on the mimbar (pulpit) and simply stating 'Money is halaal' –a statement which I unfortunately had to hear in person, from the mimbar of my localmusjid. The confusion within the ummah about paper currency can be gleaned fromthis commentary below which I extracted from the english translation of Tirmidhi:

Compiled by: Imam Hafiz Abü 'Elsa Mohammed Ibn 'Elsa At-Tirmidhi

Translated by: Abu Khaliyl (USA)

Ahãdith edited and refd by: Hfiz Abu Thhir Zubair 'Ali Za'i

Final review by: Islamic Research Section Darussalam DARUSSALAMGLOBAL

The commentary can be found in Volume 3, chapter 24, page 55 just below hadithnumber 1243 (it is NOT an isolated instance of such commentary either): "Nowadays,paper currency is in circulation instead of Dirham and Dinar, so their exchangecomes under the orders of gold and silver. Currency of one country will be dealt onequal basis with the currency of another country. Taking or giving one hundredrupees (for example) in place of a lesser or greater amount of rupees is unlawfulbecause it resembles Riba. The currency of different countries can be exchangedwith increase or decrease as in the exchange of Dollar or Pound or Riyal. Thisexchange is lawful because the kind is not the same. This exchange will be hand tohand and not on credit."

Notice how the author (wittingly or unwittingly – Allah knows best), misses the factthat fiat currency, unlike the money used by the prophets of Allah, have no real intrinsicvalue. He does not consider the relative expenditure of effort involved in creating fiatcurrency and real money like gold and silver. He also misses completely, the point ofsupply and demand law function, as it relates to fiat money creation, and in so doing isunable to come to the logical conclusion, that it is riba; because it reduces unlawfully(and we are talking Islamic law now), the wealth of everyone else. May Allah forgiveus all for the error that is done unintentionally or out of ignorance and may He inspireus with knowledge and wisdom to stay on the right path (تقيمÍÍراط المسÍÍالص - Sirāt-al-mustāqīm).

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Argument 6: Markets, Monopolies and Oligopolies.

Still here? Okay, let's continue. The power to create? Is a power that lies with Allahalone. Who creates value out of nothing. This we know because of the following ayahin the Quran:

Surah 2. Al-Baqara, Ayah 117

ا يمقحولح لمهح كحن فميمكحونح را فمإ ندمم ى أممر ا قمضم إ ذم ض وم المرر ات وم اوم يعح السدمم بمد

Mohammed Pickthall

The Originator of the heavens and the earth! When He decreeth a thing,He saith unto it only: Be! And it is.

Yusuf Ali To Him is due the primal origin of the heavens and the earth: When Hedecreeth a matter, He saith to it: “Be,” and it is.

Human beings, however, have been given power over their environment (by Allah'spermission). This power and ability given by Allah allows us to create value byinteracting with our environment through the expenditure of our time and effort. Theproduct of this effort, when exchanged between each other results in barter. Whenbarter occurs in an organised fashion on a large scale; it is known as a market. Barterhas physical limitations from an operational sense - exchanges of goods (and services)occur much more efficiently if a medium of exchange was used, that was easy to carryto the market and that had the properties of:

• A unit of account• A store of value (over the long term,e.g., gold), and was an• Efficient medium of exchange• Fungibility of money. An inherent property of 'mutual substitution' – in that

each unit of the the commodity is essentially a clone of another. This is animportant property of money that makes exchange easy.

The important point (and this is what you should be getting out of this discussion), isthat money, as with any other good (commodity) in the market, is distributed efficientlyin that market, as long as it is controlled by the market, and not by a monopoly oroligopoly, including government. What this implies is that markets are efficient as longas no single individual or small group of individuals are allowed to (or given control of)any particular commodity in the market, incl., real money (gold, silver, dates, barley,coffee, rice, etc.).

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On the other hand, 'monopoly means concentration of supply in the hands of a singlesupplier; it leads to exploitation of the consumers and the workers, and has therefore,been declared unlawful by the Holy Prophet (pbuh). The exploitation occurs becausecompanies operate under the precept of maximising profit. This drives them to hoardgoods to drive up prices to maximise profit (e.g., de Beers hoarding of diamonds).Incidentally, monopolies like Anglo American and de Beers were created primarilythrough the enablers of colonialism and the banking system. The system ofbanktocrasy (remember its banking combined with 'democracy'), has given rise, morerecently,to the so called 'black' elite in South Africa and a few other countries. This wasmade possible by massive loans given by the banks so that these 'politicallyempowered', black businessmen could buy into these monopolies. I'm sure by now youcan guess who suffered the most from these inflationary loans. Even though the valueof the money of the masses were reduced, they were the ones who benefited the least; ifthey benefited at all. I don't know about you, but I've got the bitter after-taste ofbetrayal on my tongue.

Star Wars: Episode III – Revenge of the Sith (2005): "So this is how liberty dies ... withthunderous applause." - Padme' Amidala to Bail Organa following the Declaration of aNew Order

I don't think that even these few words convey my feelings on the matter. So let mequote the character TreeBeard from LoTR the two towers:

'[Treebeard sees the devastation of Fangorn Forest] Many of these trees were myfriends. Creatures I had known from nut and acorn ... They had voices of their own ...[angrily as he looks at Isengard] Saruman! ... A wizard should know better! [he letsout a howl of rage that echoes across the forest] There is no curse in Elvish, Entish orthe tongues of Men for this treachery! ... My business is with Isengard tonight, withrock and stone! [More Ents emerge from the forest] ... Come, my friends. The Entsare going to war. It is likely that we go to our doom ... the Last March of the Ents! "

Incidentally the word for Wizard in Zulu is abatagati. The Zulu king used these words'BULALA abaTagati' when he ordered his bodygaurds to kill emmisaries of the BoerTrekkers who came to sign a land treaty (I think it was Piet Retief & Co (Pty) Ltd., ifmy memory serves). I wonder if there was more to the story then the historians aretelling us? And, as we are so often reminded by those who write history, or rather, re-write history; its the victors who author those tomes (a fact, that those who have eyes tosee, can witness the ANC, now doing). One would think, that a person would learnfrom the mistakes made in the past, or, for that matter, the mistakes made by others?Are we destined to keep repeatin the mistakes of the past...? Anyway, let's proceed ...

'Gigantic trusts, cartels and monopolies did not exist in early Islamic society. Themonopoly-dominated economic order, betrays harmony, between private and socialgood and is, thus, a negation of the principle of maximum social advantage, which theIslamic society sets out to achieve. '

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http://www.iium.edu.my/deed/hadith/muslim/010_smt.html

Incidentally, the ahadith addresses this subject. Examples are Abu Dawood Vol. 4 Ch 47Hadith No 3447:

It was narrated from Muhammad bin 'Amr bin 'Ata', from Sa'eed bin Al-Musayyab,from Ma'mar bin AN Ma'mar, one of Ban ü 'Adiyy bin Ka'b, who said: "The Messengerof Allah said: 'No one hoards but (is) a sinner." I said to Sa'eed: "You hoard." He said:"And Ma'mar used to hoard." (Sahih) Abu Dawud said: I asked Ahmad: "What is (theprohibited type of) hoarding?" He said: "(Hoarding) things that are essential to people'ssurvival."

Abu Dawood Vol. 4 Ch 49 Hadith No 3450:

It was narrated from AbU Hurairah that a man came and : said: "O Messenger of Allah,fix the prices." He said: "No, rather I shall supplicate, asking Allah (for ampleprovision)." Then a man came and said: "O Messenger of Allah, fix the prices. He said:"Rather, (it is) Allah (who) lowers and raises but I hope that I shall meet Allah with noclaim of injustice against me." (Sahih)

The knowledge of monopolies fixing prices to maximise their profits is not newknowledge. We can find prominent men throughout history who recognised the dangerof the Bankers (monopoly on money).

Thomas Jefferson famously said: “I believe that banking institutions are moredangerous to our liberties than standing armies. Already they have raised up a moneyedaristocracy that has set the government at defiance. The issuing power (of money)should be taken from the bankers and restored to the people to whom it properlybelongs”

I suspect that Thomas Jefferson was referring to the government when he said that 'theissuing powers of money should be restored to the people', as a legitimately electedgovernment, is supposed to represent the people. I would suggest that even this iswholly inadequate - that a government monopoly is as corrupt as any other (since itcommits the sin of price manipulation).

Equity can only be achieved by restoring the money creation process to the individual,which in contemporary terms would include all market participants. The only way thiscan be achieved is if money is re-defined as commodities, e.g., gold, silver, rice, barleyand dates (money with intrinsic value).

My own research into religion indicates to me that it was not possible for the Jews notto have recognised Jesus (pbuh) as a prophet of Allah, given the many and variedmiracles he performed, by the permission of Allah. This in addition to his confirmationof the teachings of Moses, Moosa (pbuh). Given my academic background in businesstheory with an MBL and PBL from Unisa, it was not a long walk at all, to conclude that

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the plot to kill the Prophet of Allah (pbuh), was concocted primarily, because, as youwould know, Jesus had overturned the tables of the money lenders in the synagogues.There really was nothing else that Jesus (pbuh) was doing that threatened the Jews asmuch as his aversion to usury and his constant public preaching against it. It wouldappear that the same issue of usury has now engulfed the so called free republics of'democratic' societies, and instead of delivering material security (which they thought itwould do), it has engulfed society in another slavery. And looking at the currenteconomic model logically and rationally one can immediately see that it is skewed infavour of the bankers and their supporters. The real duality in these democracies is thateven though Moosa (Moses), Esa (Jesus) and the seal of the Prophets Muhammed(peace be upon them all), put a ban on riba (usury), this is exactly what has engulfedthese three religions.

This pigheaded, obstinate goal of controlling the market is still the selfish aim of manyan individual, even in this day and age. I believe that this doc helps to put the puzzle ofthe ‘new world order’ together, a picture, if you will of what is happening in the worldeconomy and a little bit on who, is controlling it.

Note that the prohibition on riba is a general prohibition, that applies to every person,and every situation, at every time.

As we all know the prophet Muhammed (عليه السلم) had a sense of humour and wouldsmile and laugh at evidenced by the following two ahadith:

As related by Hasan; An old lady the Ansar (helpers of the prophet and resident ofMedina) came to the Prophet and told him: “Please make a dua (supplication) for methat I go to heaven.” The Prophet replied: “Did you not hear it? Old women cannot goto heaven.” The old lady became upset upon this.

Then the Prophet said smiling: “Did you not read the verse:

ابا با أمتررم رح ارا عح لرنماهحند أمبركم عم اء فمجم أرنماهحند إ نشم إ ندا أمنشم

"We have created their companions of special creation and made them virgin-pure andbeloved, equal in age” (Al-Waqia, 56:35-37).

Then in a pleasant manner he explained to the old lady that old women would go toheaven as young girls, and thus was she cheered.

Tirmidhi Volume 4 Chapter 2 Hadith 1990 narrated by Abu Hurairah narrated:

"They said: 'O Messenger of Allah You joke with us?' He said: 'Indeed; I do notsay except what is true." (Hasan)

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So on that note I would like to end with this quote from wikidpedia, the poem by W.Scott, a short quote from the script of the movie Mississippi Burning and finally thelyrics of a song by Johnny Cash; these follow.

Keep in mind, that to understand the nature of the theft, you first have to learn thelanguage of the thief.

A pejorative: (also term of abuse or derogatory term) is a word or grammatical form ofexpression that expresses contempt, criticism, hostility, disregard and/or disrespect. Aterm can be regarded as pejorative in some social or cultural groups but not in others,e.g., hacker is a term used for computer criminals as well as quick and clever computerexperts. Sometimes, a term may begin as a pejorative and eventually be adopted in anon-pejorative sense in some or all contexts, e.g., "punk" or "dude". In historicallinguistics, this phenomenon is known as melioration, or amelioration, reclaiming, orsemantic change.http://en.wikidpedia.org/wiki/Pejorative

So with the above quote from wikidpedia lets read the poem which follows:Incidentally, before we get to the poem, to those of you who think the commentary hasbeen somewhat harsh, especially with the demon cretins (that's democrats to yougentle reader), let me refer you to the following two verses in the Quran:

Surah 2. Al-Baqara, Ayah 159-160

159 ا بميدنداهح ل لنداس ف ي د مم ن بمعر الرهحدمى م نم الربمي نمات وم لرنما م ا أمنزم تحمحونم مم ينم يمكر إ ند الدذ نحونم ع نحهحمح اللد يملرعم ح وم نحهحمح ا ئ كم يملعم الرك تماب أحولـم

160 يمح ح ابح الرد أمنما التدود لميره مر وم ئ كم أمتحوبح عم لـم بميدنحوار فمأحور وار وم لمحح أمصر ينم تمابحوار وم إ لد الدذ Yusuf Ali159

Those who conceal the clear (Signs) We have sent down, and theGuidance, after We have made it clear for the people in the Book, onthem shall be Allah's curse, and the curse of those entitled to curse.

160 Except those who repent and make amends and openly declare (theTruth): To them I turn; for I am Oft-returning, Most Merciful.

Surah 3. Aali-Imran, Ayah 61

اءنما ن سم مر وم أمبرنماءكح عح أمبرنماءنما وم ار نمدر المور لرم فمقحلر تمعم نم الرع اءكم م ا جم د مم ن بمعر كم ف يه م آجد نر حم فمممب ينم اذ لمى الركم نمةم ا عم ل لدعر عم مر ثحمد نمبرتمه لر فمنمجر كح نما وأمنفحسم أمنفحسم مر وم اءكح ن سم وم

Mohammed Pickthall

And whoso disputeth with thee concerning him, after the knowledgewhich hath come unto thee, say (unto him): Come! We will summon oursons and your sons, and our women and your women, and ourselves andyourselves, then we pray humbly (to our lord) and (solemnly) invoke thecurse of Allah upon those who lie.

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Francis T. Palgrave, ed. (1824–1897). The Golden Treasury. 1875. Sir W. Scott Hunting Song

Waken, lords and ladies gay, The mist has left the mountain gray; Springlets in the dawn are steaming, Diamonds on the brake are gleaming; And foresters have busy been To track the buck in thicket green; Now we come to chant our lay,

"Waken, lords and ladies gay."Waken, lords and ladies gay, The mist has left the mountain gray; Springlets in the dawn are steaming, Diamonds on the brake are gleaming;And foresters have busy been To track the buck in thicket green; Now we come to chant our lay, "Waken, lords and ladies gay."

Waken, lords and ladies gay, To the greenwood haste away;We can show you where he lies,Fleet of foot and tall of size;We can show the marks he made When 'gainst the oak his antlers fray'd;You shall see him brought to bay— "Waken, lords and ladies gay."

Louder, louder chant the lay,Waken, lords and ladies gay! Tell them youth and mirth and glee Run a course as well as we; Time, stern huntsman! who can balk,Staunch as hound and fleet as hawk: Think of this, and rise with day, Gentle lords and ladies gay!

5

10

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Mississippi burning: Gene Hackman plays Agent Rupert Anderson and Willem Dafoe plays Agent Alan Ward

Agent Anderson: You admire these kids, don't you?

Agent Ward: 'Don't you?'

Agent Anderson: 'I think they're bein' used. They're sent here in theirVolkswagens and sneakers ...... just to get their heads crackedopen.

Agent Ward: Did it ever occur to you that maybe they believed in what they were doing?

Agent Anderson: - Did it occur to them they'd end up dead?

Agent Ward: - Maybe.

Agent Anderson: In Washington they sure as hell knew, didn't they?

Agent Ward: Some things are worth dying for.

Agent Anderson: Well, down here they see things a little differently. People down here, feel some things are worth killin' for.

Agent Ward: Where does it come from, all this hatred?

Agent Anderson: (introspective pause)You know, when I was a little boy ......there was an old Negro farmer lived down the road from us,name of Monroe. And he was ... well, I guess he was just alittle luckier than my daddy was. He bought himself a mule.That was a big deal around that town. My daddy hated thatmule. His friends kidded him that they saw Monroeploughin' with his new mule ...... and Monroe was gonna rentanother field, now that he had a mule. One morning thatmule just showed up dead. They poisoned the water. Afterthat, there was never any mention about that mule around mydaddy. One time, we were drivin' past Monroe's place, andwe saw it was empty. He'd just packed up and left, I guess.Gone up North, or somethin'. I looked over at my daddy'sface ...... and I knew he'd done it. And he saw that I knew.He was ashamed. I guess he was ashamed. He looked at meand he said ...... "If you ain't better than a nigger, son, whoare you better than?"

Agent Ward: Do you think, that's an excuse?

Agent Anderson: No, it's not an excuse. It's just a story, about my daddy.

Agent Ward: Where does that leave you?

Agent Anderson: With an old man who was so full of hate ...... that he didn't know, that bein' poor, was what was killin' him.

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God's Gonna Cut You Down - a song by Johnny Cash (slightly edited by me)

You can run on for a long timeRun on for a long timeRun on for a long timeSooner or later God'll cut you downSooner or later God'll cut you down

Go tell that long tongue liarGo and tell that midnight riderTell the rambler, the gambler, the back biterTell 'em that God's gonna cut 'em downTell 'em that God's gonna cut 'em down

Well my goodness gracious let me tell you the newsMy head's been wet with the midnight dewI've been down on bended knee talkin' to the Lord of GalileeHe spoke to me in the voice so sweetI thought I heard the shuffle of angel's feetHe called my name and my heart stood stillWhen he said, "John, go do My will!"

Go tell that long tongue liarGo and tell that midnight riderTell the rambler, the gambler, the back biterTell 'em that God's gonna cut 'em downTell 'em that God's gonna cut 'em down

Well you may throw your rock and hide your handWorkin' in the dark against your fellow manBut as sure as God made black and whiteWhat's done in the dark will be brought to the light

You can run on for a long timeRun on for a long timeRun on for a long timeSooner or later God'll cut you downSooner or later God'll cut you down

Go tell that long tongue liarGo and tell that midnight riderTell the rambler, the gambler, the back biterTell 'em that God's gonna cut you downTell 'em that God's gonna cut you downTell 'em that God's gonna cut you down

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Come to think of it, I've had second thoughts about how this document should end.Seeing as we began with the word of Allah, quoting from the Quran, it's onlyappropriate that we should end with words from Allah; quoting from the Quran:

Surah 83. Al-Mutaffifin, Ayah 1-36

1 - 2 . طمف ف ينم يرٌل ل لرمح فحونموم تمور لمى النداس يمسر تمالحوار عم ا اكر ينم إ ذم الدذ

Marmaduke Pickthall

Woe unto the defrauders: Those who when they take the measure from mankind demand it in full,

3 - 4 وثحونم برعح ونم أملم يمظحن أحولمئ كم أمندهحم مد رح س نحوهحمر يحخر زم الحوهحمر أمو ود ا كم إ ذم وم

Marmaduke Pickthall

But if they measure unto them or weight for them, they cause them loss. Do such (men) not consider that they will be raised again.

5 - 6 ين المم ب الرعم مم يمقحومح النداسح ل رم يم يمور ظ م عم ل يمور

Marmaduke Pickthall

Unto an Awful Day, The day when (all) mankind stand before the Lord of the Worlds?

7 - 8 ين ج ار لمف ي س يٌنكملد إ ند ك تمابم الفحجد ج ا س اكم مم رم ا أمدر مم وم

Marmaduke Pickthall

Nay, but the record of the vile is in Sijjin – Ah! What will convey unto thee what Sijjin is! -

9 - 10 ب ينم ذ كم ئ ذ ل لرمح مم يرٌل يمور قحوٌم وم رر ك تماٌب مد

Pickthall A written record. Woe unto the repudiators on that day!

11 - 12 تمد أمث يم عر ذ بح ب ه إ لد كحل مح ا يحكم مم ين وم م الد بحونم ب يمور ذ ينم يحكم الدذ

Marmaduke Pickthall

Those who deny the day of judgement. Which none denieth save each criminal transgressor,

13 - 14 ل ينم مود يرح الر اط لميره آيماتحنما قمالم أمسم ا تحترلمى عم انحواإ ذم ا كم لمى قحلحوب ه م مد انم عم كملد بملر رمبحونم س يمكر

Marmaduke Pickthall

Who, when thou readest unto him Our revelations, saith: (Mere) fables of the men of old.

وبحونم 15 جح حر ئ ذ لدمم مم ب ه مر يمور ن رد كملد إ ندهحمر عم

Marmaduke Pickthall

Nay, but surely on that day they will be covered from (the mercy of) their Lord.

16 - 17 بحونم ذ نتحم ب ه تحكم ا الدذ ي كح يم ثحمد يحقمالح همذم ح الحوا الرجم ثحمد إ ندهحمر لمصم

Marmaduke Pickthall

Then lo! They verily will burn in hell, And it will be said (unto them): This is that which ye used to deny.

18 - 19 ل ي ونم اع اكم مم رم ا أمدر مم ل ي ينم وم ار لمف ي ع مبررم كملد إ ند ك تمابم الر

Pickthall Nay, but the record of the righteous is in 'Illiyin – Ah, what will convey unto thee what 'Illiyin is! -

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20 - 21 قحوٌم رر بحونم ك تماٌب مد قمرد هح الرمح همدح يمشر

Marmaduke Pickthall

A written record, Attested by those who are brought near (unto their Lord).

22 - 23 ونم ائ ك يمنظحرح مرم لمى الر يم عم ارم لمف ي نمع مبررم إ ند الر

Marmaduke Pickthall

Lo! the righteous verily are in delight, On couches, gazing,

24 - 25 تحوم خر يق مد ح ن رد نم م قمور يم يحسر ةم الندع رم وه ه مر نمضر جح ر فح ف ي وح تمعر

Marmaduke Pickthall

Thou wilt know in their faces the radiance of delight. They are givento drink of a pure wine, sealed,

تمنماف سحونم 26 ل كم فملريمتمنمافمس الرمح ف ي ذم ٌك وم سر هح م تمامح خ

Marmaduke Pickthall

Whose seal is musk – for this let (all) those strive who strive for bliss

27 - 28 ن يم ن تمسر هح م اجح زم م بحونم وم قمرد بح ب هما الرمح رم يرنا يمشر عم

Marmaduke Pickthall

- And mixed with water of Tasnim, A spring whence those brought near (to Allah) drink.

29 - 30 ونم زح امم مر يمتمغم وار ب ه ر ا مم إ ذم كحونم وم حم نحوا يمضر ينم آمم نم الدذ انحوار م وا كم مح رم ينم أمجر إ ند الدذ

Marmaduke Pickthall

Lo! the guilty used to laugh at those who believed, And wink one to another when they passed them;

31 - 32 ال ونم ء لمضم لم هحمر قمالحوا إ ند همؤح أمور ا رم إ ذم ا انقملمبحوار إ لمى أمهرل ه مح انقملمبحوار فمك ه ينم وم إ ذم وم

Marmaduke Pickthall

And when they returned to their own folk, they returned jesting; Andwhen they saw them they said: Lo! These have gone astray.

33 - 34 كحونم حم فدار يمضر نم الركح نحوار م ينم آمم مم الدذ ينم فمالريمور اف ظ لميره مر حم لحوا عم س ا أحرر مم وم

Marmaduke Pickthall

Yet they were not sent as guardians over them. This day it is those who believe who have the laugh of disbelievers,

35 - 36 ونم . ائ ك يمنظحرح مرم لمى الر لحونم. عم انحوا يمفرعم ا كم فدارح مم بم الركح هملر ثحو

Marmaduke Pickthall

On high couches, gazing. Are not the disbelievers paid for what theyused to do?

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Surah 3. Al-Imran, Ayah 133-150

133 تدق ينم ددتر ل لرمح ضح أحع المرر اتح وم اوم هما السدمم ضح ندة عمرر جم مر وم ب كح ن رد ة م ف رم غر وار إ لمى مم ار عح سم وم

Yusuf Ali

Be quick in the race for forgiveness from your Lord, and for a Garden whosewidth is that (of the whole) of the heavens and of the earth, prepared for therighteous,-

134 ب ح يحح ا ن النداس وم اف ينم عم الرعم يرظم وم ينم الرغم م اظ الركم اء وم رد الضد اء وم ينم يحنف قحونم ف ي السدرد الدذ ن ينم س حر الرمح

Yusuf Ali

Those who spend (freely), whether in prosperity, or adversity; who restrainanger, and pardon (all) men; - Allah loves those who do good; -

135 ف رح ن يمغر مم نحوب ه مر وم وار ل ذح فمرح تمغر م فماسر وار ا كمرح هحمر ذم وار أمنرفحسم ة أمور ظملممح شم لحوار فماح ا فمعم ينم إ ذم الدذ وملممحونم هحمر يمعر لحوار وم ا فمعم لمى مم وار عم ر لممر يحص ح وم نحوبم إ لد ا الذ

Yusuf Ali

And those who, having done something to be ashamed of, or wronged theirown souls, earnestly bring Allah to mind, and ask for forgiveness for theirsins, - and who can forgive sins except Allah? - and are never obstinate inpersisteing knowingly in (the wrong) they have done.

136 رح مم أمجر ن عر ينم ف يهما وم ال د ت هما المنرهمارح خم ن تمحر ر ي م نداٌت تمجر جم ب ه مر وم ن رد ةٌ م ف رم غر هحم مد آؤح زم ئ كم جم لـم أحورل ينم ام الرعم

Yusuf Ali

For such the reward is forgiveness from their Lord, Gardens with riversflowing underneath, - an eternal dwelling: How excellent a recompense forthose who work (and strive)!

137 ب ينم ذد كم اق بمةح الرمح انم عم يرفم كم وار كم ض فمانرظحرح وار ف ي المرر يرح نمٌن فمس مر سح ل كح ن قمبر لمتر م قمدر خم

Yusuf Ali

Many were the ways of Life that have passed away before you: travelthrough the earth, and see what was the end of those who rejected Truth.

138 تدق ينم ظمةٌ ل لرمح ع ور مم هحد ى وم ا بميماٌن ل لنداس وم ذم هـم

Yusuf Ali

Here is a plain statement to men, a guidance and instruction to those whofear Allah!

139 ن ينم م ؤر نتحم م نم إ ن كح لمور أمنتحمح المعر نحوا وم زم لم تمحر لم تمه نحوا وم وم

Yusuf Ali

So lose not heart, nor fall into despair: For ye must gain mastery if ye aretrue in Faith.

140 ينم ح الدذ لممم ا ل يمعر لحهما بميرنم النداس وم او ت لركم اليدامح نحدم ثرلحهح وم ٌح م مم قمرر ٌح فمقمدر ممسد الرقمور مر قمرر كح سمسر إ ن يممرينم ب الظدال م ح لم يحح ا اء وم همدم مر شح نكح ذم م يمتدخ نحوار وم آمم

Yusuf Ali

If a wound hath touched you, be sure a similar wound hath touched theothers. Such days (of varying fortunes) We give men and men by turns: thatAllah may know those that believe, and that He may take to Himself fromyour ranks Martyr-witnesses (to Truth). And Allah loveth noth those that dowrong.

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141 اف ر ينم قم الركم حم يممر نحوار وم ينم آمم ح الدذ صم ا ح ل يحمم وم

Yusuf Ali

Allah's object also is to purge those that are true in Faith and to deprive ofblessing those that resist Faith.

142 اب ر ينم لممم الصد يمعر مر وم نكح اهمدحوار م ينم جم ح الدذ لمم ا ا يمعر لممد ندةم وم لحوار الرجم خح برتحمر أمن تمدر س أممر حم

Yusuf Ali

Did ye think that ye would enter Heaven withou Allah testing those of youwho fought hard (In His Cause) and remained steadfast?

143 ونم أمنتحمر تمنظحرح وهح وم أميرتحمح هح فمقمدر رم ن قمبرل أمن تملرقمور تم م ور نم الرمم ندور نتحمر تممم لمقمدر كح وم

Yusuf Ali

Ye did indeed wish for death before ye met him: Now ye have seen him withyour own eyes, (And ye flinch!)

144 ممن مر وم قماب كح لمى أمعر اتم أمور قحت لم انقملمبرتحمر عم سحلح أمفمإ ن مد ل ه الر ن قمبر لمتر م سحوٌل قمدر خم ٌد إ لد رم مد حم ا مح مم ومح الشداك ر ينم ز ي ا يمجر سم يرئا وم م شم رد ا ق بميره فملمن يمضح لمىم عم يمنقمل بر عم

Yusuf Ali

Muhammed (عليWWWه السWWWلم) is no more than a messenger: many were theMessengers that passed away before him. If he died or were slain, will yethen turn back on your heels? If any did turn back on his heels, not the leastharm will he do to Allah; but Allah (on the other hand) will swiftly rewardthose who (serve Him) with gratitude.

145 ممن نرهما وم ت ه م نريما نحؤر ابم الد در ثموم ن يحر مم ل وم جد ؤم تمابا م ن ا ك انم ل نمفرس أمنر تممحوتم إ لد ب إ ذر ا كم مم ومز ي الشداك ر ينم نمجر سم نرهما وم ت ه م ة نحؤر رم ابم الخ در ثموم يحر

Yusuf Ali

Nor can a soul die except by Allah's leave, the term being fixed as bywriting. If any do desire a reward in this life, We shall give it to him; and ifany do desire a reward in the Hereafter, We shall give it to him. And swiftlyshall We reward those that (serve us with) gratitude.

146 فحوار عح ا ضم مم ب يل ا وم ابمهحمر ف ي سم ا أمصم همنحوار ل مم ا وم ث يٌر فممم ب ي ونم كم هح ر عم ن ندب ي قماتملم مم أمي ن م كم وماب ر ينم ب الصد ح يحح ا انحوار وم تمكم ا اسر مم وم

Yusuf Ali

How many of the prophets fought (in Allah's way), and with them (fought)large bands of godly men? Buth never lost heart if they met with disaster inAllah's way, nor did they weaken (in will) nor give in. And Allah Lovesthose who are firm and steadfast.

147 نما امم ثمب تر أمقردم نما وم ر افمنما ف ي أممر رم إ سر نحوبمنما وم ف رر لمنما ذح لمهحمر إ لد أمن قمالحوار ربدنما اغر انم قمور ا كم مم وماف ر ينم م الركم لمى الرقمور نما عم رر وانصح

Yusuf Ali

All that they said was: "Our Lord! Forgive us our sins and anything We mayhave done that trangressed our duty: Establish our feet firmly, and help usagainst those that resist Faith."

148 ن ينم س حر ب الرمح ح يحح ا ة وم رم اب الخ نم ثموم سر حح نريما وم ابم الد ح ثموم فمآتماهحمح ا

Yusuf Ali

And Allah gave them a reward in this world, and the excellent reward of theHereafter. For Allah loveth those who do good.

149 ر ينم اس مر فمتمنقمل بحوار خم قماب كح لمى أمعر مر عم وكح د وار يمرح فمرح ينم كم وار الدذ يعح ار إ ن تحط نحوم ينم آمم يما أمي هما الدذ

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Yusuf Ali

O ye who believe! If ye obey the unbelievers, they will drive you back onyour heels, and ye will turn back (from Faith) to your own loss.

150 ينم ر يررح النداص هحوم خم مر وم لمكح ور ح مم بمل ا

Yusuf Ali

Nay, Allah is your protector, and He is the best of helpers.

صدق ا العظيم

FINIS

If you wish to respond, comment or criticise the commentary in this document pleasedo so at the email address of Yusuf M M Essop (I am not qualified to respond toanything concerning the quotations, but, that does not mean that I won't). Finally Iwould like to acknowledge, and advise you, dear, constant reader, having come this far,please study the material authored by Sheik Imran Nazar Hosein. His books and hisextensive video collection on this and other subjects, attracted me like earth's gravity. Ihave found his work to be both informative and inspirational, which in many wayshelped me find clarity in today's reality (of course hearing what he has to say, does notmean that you have to obey; obedience, as always, is to Allah and his Rasool). And ofcourse, as always, we ask for Allah-consciousness in all things.

I hope you enjoy reading it as much as I enjoyed writing it and that my comments inthis doc shock the sleeping hearts of some readers. If you want an electronic copyplease request it using the email address.

JazakAllah Khair.

Residential Postal

5 Bangalore DriveExt 11BLenasia1820

P.O. Box 5827Lenasia1852

eyusuf@vodamail.co.zaeyusuf@telkomsa.net

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Please note that I have highlighted technical terms used in this discussion. Below youwill find the definitions used in the arguments above:Halaal what Allah has made lawful

Haraam what Allah has made unlawful

Riba unjust increase in wealth

Shura Shura (Arabic: شورى shūrā) is an Arabic word for "consultation". Allahand the prophet Mohammed (pbuh) encouraged Muslims to consult withthose who will be affected by any discussion that affected them.However, no Quranic law could be overruled by such consultation. Assuch, shura is not a democratic process that can overturn a constitutionby a majority vote.

Supply andDemandLaw

Also known as the 'law of markets'. Supply and demand is perhaps oneof the most fundamental concepts of economics and it is the backbone ofa market economy. Demand refers to how much (quantity) of a productor service is desired by buyers, and you must acknowledge, that when itcomes to money (or haraam fiat currency which has replaced it), demandis infinite. Supply represents how much (quantity) of a product orservice the market can offer. The supply of fiat currency is controlled bythe Fed and, it has been seen that in the case of fiat currency theycontinue to increase supply as long as there is collateral that can beencumbered in return. In the world of fiat currency the supplierstherefore monopolise the market by controlling demand and in the longrun unjustly controlling the factors of production.

Reserverequire-ment

For example, if the reserve ratio in the U.S. is determined by the Fed tobe 11%, this means all banks must have 11% of their depositors' moneyon reserve in the bank. So, if a bank has deposits of $1 billion, it isrequired to have $110 million as cash reserve.

Collateral A borrower's (legally binding) pledge of specific property to a Bank, tosecure repayment of a loan. Immunises the bank from risk.

Fractionalreservebanking

Monetary policy of the modern banking system. Banks, are required tohold only a fraction (typically 12 percent or less) of the depositors fundsas cash reserves. The remaining 88 percent of deposited funds can beloaned out to create new deposits which in turn create new loans and soon, exerting a multiplier effect on the total money supply. Note, inevery case the bank requires collateral for the issuance of a loan.

Liquidity Currency in circulation in the market.

Utility Usefulness or ability of a good or service to satisfy the need or want of ahuman being.

IntrinsicValue

The utility that a human being places in a good (commodity) or service.

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Factors ofproduction

The inputs to the production process which include goods and services,i.e. raw materials and labour.

FederalReserve(Fed)

The central banking system of the United States, as well as the world.Keeping in mind that the dollar is the 'reserve' currency. Manycommodities (essential or non-essential), cannot be bought without firstconverting local currencies into the dollar. It is also important to notethat the Fed is privately owned and controlled.

Monopoly A monopoly is the name given to a sole supplier of a specific good orservice in a market that is usually characterised by barriers to entry thatmake it difficult for other entrants to a market. An associated player isdescribed in wikidpedia as a monopsony which is an entity with solediscretionary rights to purchase a product or service. It is a purchasingmonopoly.

Oligopoly This is basically a monopoly made up of a few individuals.

Wikidpedia Online (Internet) public resource that contains a great deal of usefulinformation, however, it is controlled by the bankers. As such it doescontain allot of erroneous information and many outright lies. It'sarticles on banking is a case in point. I have found specific references tofractional reserve banking that have been deliberately defined to give theunwary reader the impression that banks lend depositors money.

Post Script:

From the movie Aliens (1986): Burke had just tried to get a couple of alienfacehuggers to implant their eggs into Ripley and Newt while they slept. Hudson is atypical American soldier. Hicks is his boss.

RIPLEY: The only way it would work is if he sabotaged certain freezers on the trip back. Then he could jettison the bodies and make up any story he liked.HUDSON: Fuuuck! He's dead. (to Burke): You're dogmeat, pal. BURKE: This is total paranoid delusion. It's pitiful. RIPLEY: (wearily) You know, Burke, I don't know which species is worse. You don't see them screwing each other over for a fucking percentage.HICKS: (serious) Let's waste him. (to Burke): No offense.Ripley: shakes her head, the rage giving way to a sickened emptiness.Ripley: You know, Burke, I don't know which species is worse. You don't see themfucking each other over for a goddamn percentage.

One final thought; ask yourself: What kind of man allows his own children to be robbedevery day at school, by the bullies, during play time. No, is so cowed by them, that notonly does he say nothing, not only does he do nothing, but he participates in the theft ofhis own children. Can such a man call himself a man?

Think on this, while you're looking in the mirror.

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Surah 4. An-Nisaa, Ayah 119

27 ممن لرقم ا وم ند خم ي رح ندهحمر فملميحغم رم لمح ام وم انم المنرعم ند آذم ندهحمر فملميحبمت كح رم لمح ن يمندهحمر وم لحمم لدندهحمر وم لحض ومب ينا انا م رم سر رم خح س ن دحون ا فمقمدر خم ل ي ا م يرطمانم وم ذ الشد يمتدخ

Marmaduke And surely I will lead them astray, and surely I will arouse desires in them,and surely I will command them and they will cut the cattle' ears, andsurely I will command them they will change Allah's creation. Whosochooseth satan for a patron instead of Allah is verily a loser and his loss ismanifest.

Surah 7. Al-A' raaf, Ayah 27

27 ا هحمم ا ل بماسم نرهحمم ندة يمنز عح عم نم الرجم يركحم م جم أمبموم رم ا أمخر مم يرطمانح كم مح الشد مم لم يمفرت نمندكح يما بمن ي آدمل يماء ينم أمور يماط لرنما الشد عم نمهحمر إ ندا جم ور يرثح لم تمرم نر حم قمب يلحهح م مر هحوم وم اكح ا إ ندهح يمرم ات ه مم ءم ور ا سم يمهحمم ل يحر

نحونم م ينم لم يحؤر ل لدذ Marmaduke O Children of Adam! Let not Satan seduce you as he caused your (first)

parents to go forth from the Garden and tore off from them their robe (ofinnocence) that he might manifest their shame to them. Lo! He seeth you,he and his tribe, from whence ye see him not. Lo! We have made thedevils protecting friends for those who believe not.

Surah 12. Yusuf, Ayah 100

100 ن قمبرلح يمايم م ؤر ا تمأرو يلح رح ذم قمالم يما أمبمت هـم دا وم جد وار لمهح سح ر خم ش وم رر لمى الرعم يره عم فمعم أمبموم رم ومن و م نم الربمدر اء ب كحم م جم ن وم نم الس جر ن ي م جم رم نم بمي إ ذر أمخر سم قمدر أمحر ق ا وم ب ي حم لمهما رم عم قمدر جمل يمح اءح إ ندهح هحوم الرعم ا يمشم يٌف ل مم ب ي لمط ت ي إ ند رم وم بميرنم إ خر يرطمانح بميرن ي وم د أمن ندزغم الشد بمعر

ك يمح الرحمMarmaduke And he placed his parents on the dais and they fell down before him

prostrate, and he said: O my father! This is the interpretation of mydream of old. My Lord hath made it true, and He hath shown mekindness, since He took me out the prison and hath brought you from thedesert after satan had made strife between me and my brethren. Lo! MyLord is tender unto whom He will. He is the Knower, the Wise.

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Albert Einstein quotes attributed to him (Just for the Fun)• “Setting an example is not the main means of influencing others, it is the only

means.”• “Two things are infinite: the universe and human stupidity; and I'm not sure

about the universe.” • “There are only two ways to live your life. One is as though nothing is a

miracle. The other is as though everything is a miracle.” • “I am enough of an artist to draw freely upon my imagination. Imagination is

more important than knowledge. Knowledge is limited. Imagination encircles the world.”

• “If you can't explain it to a six year old, you don't understand it yourself.” • “Logic will get you from A to Z; imagination will get you everywhere.” • “If you want your children to be intelligent, read them fairy tales. If you want

them to be more intelligent, read them more fairy tales.” • “The difference between genius and stupidity is; genius has its limits.” • “Life is like riding a bicycle. To keep your balance, you must keep moving.” • “Anyone who has never made a mistake has never tried anything new.” • “Everybody is a genius. But if you judge a fish by its ability to climb a tree, it

will live its whole life believing that it is stupid.” • “Creativity is knowing how to hide your sources” • “I speak to everyone in the same way, whether he is the garbage man or the

president of the university.” • “Coincidence is God's way of remaining anonymous.” • “When you are courting a nice girl an hour seems like a second. When you sit

on a red-hot cinder a second seems like an hour. That's relativity.” • “A clever person solves a problem. A wise person avoids it.” • “Reality is merely an illusion, albeit a very persistent one.” • “Never memorize something that you can look up.” • “Science without religion is lame, religion without science is blind.” • “If we knew what it was we were doing, it would not be called research, would

it?” • “I have no special talents. I am only passionately curious.” • “Any man who can drive safely while kissing a pretty girl is simply not giving

the kiss the attention it deserves.” • “Education is what remains after one has forgotten what one has learned in

school.” • “If a cluttered desk is a sign of a cluttered mind, of what, then, is an empty desk

a sign?” • “Learn from yesterday, live for today, hope for tomorrow. The important thing is

to not stop questioning.” • “Try not to become a man of success. Rather become a man of value.” • “A human being is a part of the whole called by us universe, a part limited in

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time and space. He experiences himself, his thoughts and feeling as something separated from the rest, a kind of optical delusion of his consciousness. This delusion is a kind of prison for us, restricting us to our personal desires and to affection for a few persons nearest to us. Our task must be to free ourselves from this prison by widening our circle of compassion to embrace all living creatures and the whole of nature in its beauty.”

• “Once you can accept the universe as matter expanding into nothing that is something, wearing stripes with plaid comes easy.”

• “If I were not a physicist, I would probably be a musician. I often think in music. I live my daydreams in music. I see my life in terms of music.”

• “The world as we have created it is a process of our thinking. It cannot be changed without changing our thinking.”

• “Great spirits have always encountered violent opposition from mediocre minds.”

• “Gravitation is not responsible for people falling in love.” • “You never fail until you stop trying.” • “I know not with what weapons World War III will be fought, but World War IV

will be fought with sticks and stones.” • “The most beautiful experience we can have is the mysterious - the fundamental

emotion which stands at the cradle of true art and true science.” • “Any fool can know. The point is to understand.” • “Creativity is intelligence having fun.” • “Black holes are where God divided by zero.” • “The best way to cheer yourself is to cheer somebody else up.” • “If A is a success in life, then A equals x plus y plus z. Work is x; y is play; and

z is keeping your mouth shut” • “It is not that I'm so smart. But I stay with the questions much longer.” • “The world is a dangerous place to live, not because of the people who are evil,

but because of the people who don't do anything about it.” • “Everything must be made as simple as possible. But not simpler.” • “When you trip over love, it is easy to get up. But when you fall in love, it is

impossible to stand again.” • “What is right is not always popular and what is popular is not always right.” • “The measure of intelligence is the ability to change.” • “In the middle of difficulty lies opportunity” • “Peace cannot be kept by force; it can only be achieved by understanding.” • “A question that sometimes drives me hazy: am I or are the others crazy?” • “Whoever is careless with the truth in small matters cannot be trusted with

important matters” • “Men marry women with the hope they will never change. Women marry men

with the hope they will change. Invariably they are both disappointed.” • “We dance for laughter, we dance for tears, we dance for madness, we dance for

fears, we dance for hopes, we dance for screams, we are the dancers, we create the dreams.”

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• “Do not worry about your difficulties in Mathematics. I can assure you mine arestill greater.”

• “What a sad era when it is easier to smash an atom than a prejudice.” • “Look deep into nature, and then you will understand everything better.” • “Reading, after a certain age, diverts the mind too much from its creative

pursuits. Any man who reads too much and uses his own brain too little falls into lazy habits of thinking.”

• “I live in that solitude which is painful in youth, but delicious in the years of maturity.”

• “You cannot simultaneously prevent and prepare for war.” • “The hardest thing in the world to understand is the income tax.” • “Only those who attempt the absurd can achieve the impossible.” • “If people are good only because they fear punishment, and hope for reward,

then we are a sorry lot indeed.” • “Student: Dr. Einstein, Aren't these the same questions as last year's [physics]

final exam? Dr. Einstein: Yes; But this year the answers are different.” • “From the standpoint of daily life, however, there is one thing we do know: that

we are here for the sake of each other - above all for those upon whose smile and well-being our own happiness depends, and also for the countless unknown souls with whose fate we are connected by a bond of sympathy. Many times a day I realize how much my own outer and inner life is built upon the labors of my fellow men, both living and dead, and how earnestly I must exert myself in order to give in return as much as I have received.”

• “Common sense is the collection of prejudices acquired by age eighteen.” • “I love Humanity but I hate humans” • “I cannot imagine a God who rewards and punishes the objects of his creation,

whose purposes are modeled after our own -- a God, in short, who is but a reflection of human frailty. Neither can I believe that the individual survives the death of his body, although feeble souls harbor such thoughts through fear or ridiculous egotisms.”

• “If I had an hour to solve a problem I'd spend 55 minutes thinking about the problem and 5 minutes thinking about solutions.”

• “A little knowledge is a dangerous thing. So is a lot.” • “The only real valuable thing is intuition.” • “When the solution is simple, God is answering.” • “A true genius admits that he/she knows nothing.” • “I want to know God's thoughts - the rest are mere details.” • “If there is any religion that could respond to the needs of modern science, it

would be Buddhism.” • “A person starts to live when he can live outside himself.” • “One thing I have learned in a long life: that all our science, measured against

reality, is primitive and childlike -- and yet it is the most precious thing we have.”

• “Few people are capable of expressing with equanimity opinions which differ

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from the prejudices of their social enviroment. Most people are incapable of forming such opinions."

• “I believe in intuitions and inspirations...I sometimes FEEL that I am right. I do not KNOW that I am.”

• “Laws alone can not secure freedom of expression; in order that every man present his views without penalty there must be spirit of tolerance in the entire population.”

• “My religion consists of a humble admiration of the illimitable superior spirit who reveals himself in the slight details we are able to perceive with our frail and feeble mind.”

• “Wisdom is not a product of schooling but of the lifelong attempt to acquire it.”• "Even on the most solemn occasions I got away without wearing socks and hid

that lack of civilization in high boots” • “The tragedy of life is what dies inside a man while he lives.” • “When I examine myself and my methods of thought, I come to the conclusion

that the gift of fantasy has meant more to me than any talent for abstract, positive thinking.”

• “Life is a preparation for the future; and the best preparation for the future is to live as if there were none.”

• “If at first the idea is not absurd, then there is no hope for it.” • “The only thing that you absolutely have to know, is the location of the library.” • “God is subtle but he is not malicious.” • “The only thing that interferes with my learning is my education.” • “Somebody who only reads newspapers and at best books of contemporary

authors looks to me like an extremely near-sighted person who scorns eyeglasses. He is completely dependent on the prejudices and fashions of his times, since he never gets to see or hear anything else.”

• “Intellectual growth should commence at birth and cease only at death.” • “The ideals which have always shone before me and filled me with joy are

goodness, beauty, and truth.” • “Intellectual growth should commence at birth and cease only at death.” • “We know from daily life that we exist for other people first of all, for whose

smiles and well-being our own happiness depends.” • “The ideals which have always shone before me and filled me with joy are

goodness, beauty, and truth.” • “I thought of that while riding my bicycle.” • “In theory, theory and practice are the same. In practice, they are not.” • “It would be my greatest sadness to see Zionists (Jews) do to Palestinian Arabs

much of what Nazis did to Jews.” • “Love is a better master than duty.” • “Imagination is everything. It is the preview of life's coming attractions.”

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• “If the facts don't fit the theory, change the facts.” • “I must be willing to give up what I am in order to become what I will be.” • “The important thing is not to stop questioning. Curiosity has its own reason for

existing.” • “The woman who follows the crowd will usually go no further than the crowd.

The woman who walks alone is likely to find herself in places no one has ever been before.”

• “The intuitive mind is a sacred gift and the rational mind is a faithful servant. We have created a society that honors the servant and has forgotten the gift.”

• “It would be possible to describe everything scientifically, but it would make no sense; it would be without meaning, as if you described a Beethoven symphony as a variation of wave pressure.”

• “Time is an illusion.” • “God did not create evil. Just as darkness is the absence of light, evil is the

absence of God.” • “Out of clutter, find simplicity.” • “I'd rather be an optimist and a fool than a pessimist and right.”• “Blind belief in authority is the greatest enemy of truth.” • “Nothing happens until something moves.” • “Only a life lived for others is a life worthwhile.” • “Genius is 1% talent and 99% percent hard work...” • “We all know that light travels faster than sound. That's why certain people

appear bright until you hear them speak.” • “Few are those who see with their own eyes and feel with their own hearts.”• “I never made one of my discoveries through the process of rational thinking” • “God does not play dice with the universe.” • “Once we accept our limits, we go beyond them.” • “I never think of the future - it comes soon enough.” • “A ship is always safe at the shore - but that is NOT what it is built for.”• “However rare true love may be, it is less so than true friendship.” • “Weakness of attitude becomes weakness of character.” • “The most incomprehensible thing about the world is that it is at all

comprehensible.” • “Imagination is the highest form of research.” • “If you want to live a happy life, tie it to a goal, not to people or things.” • “It has become appallingly obvious that our technology has exceeded our

humanity.” • “You can never solve a problem on the level on which it was created.”

And We could go on but Everything has to come to an END.