Underpaid and under-recognized, they are bearing the brunt of the country's economic reforms and its new-found appreciation of money over traditional ideals.

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An Islamic bank cannot offer a fixed interest rate to those who trust their savings to it for safekeeping, but it can give them a gift that acknowledges the time value of money in appreciation for the use of funds by the bank.

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They can find it difficult to develop an appreciation of the value of money because they have never been short of it.

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But in reality, deflation is the free-market approach to rectify a secular period of superfluous money supply growth, debt accumulation and asset price appreciation.

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For instance, Zambia's burgeoning tobacco and horticulture, which were encouraged in order to make the country rely less on copper, are struggling to cope with a sudden appreciation of the local currency, driven up by high copper prices and aid money.

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Analysts said that many large Japanese banks or pension funds tended to sell riskier assets during times of uncertainty, bringing the money back into the country, resulting in an appreciation in the yen's value.

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In the Senate, Jim DeMint, Mike Lee and Rand Paul are offering the Sound Money Promotion Act, which would remove the tax on the appreciation in the value of gold and silver coins that have been declared legal tender by the federal or a state government.

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Their deals are long term, do not have opt-outs, and the team owners make money from dividend payouts from their equity stakes and their big payday is in the capital appreciation of the RSN.

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Councils, campaigners and charities have been promised reform for the best part of 20 years and so there is a genuine appreciation that this government is doing something at a time when money is so tight.

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