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Cheque guaranteed cash is the answer
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In Germany, cheques die SEVERAL years ago. Apart from small cahs payments, all other like bills, slaray, school fees, are run as Direct Debit or bank transfer The last time I saw a cheque here was in 1990 - a bounced one so ...
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Boy you think you know much ahn? Let me tell you both the physical and electronic checks remains the most effective tools against money laundering, call it, bac,dd,etc etc it's still a check. So your ranting about nothing.