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well uh the main event begins uh the resolution again replacing the Federal Reserve with free market institutions would docHubly improve the economys money Banking and Financial systems arguing for the affirmative uh Professor Lawrence white Lawrence please come to the stage arguing arguing arguing the negative uh Columbia University professor of banking and financial institutions Frederick Michigan Frederick please come to the stage [Applause] um Professor white you have a 17 and a half minutes uh maximum to make your case uh please take it away okay so the resolution is that replacing the Federal Reserve with free market institutions would docHubly improve the economys money Banking and Financial systems nothing requires that money be produced by governments money like a loaf of bread or like a cell phone is what economists call a private good its use is rival in consumption if Im using some money other people cant use it at the same time and its excludable the money