I was not the first person to suggest a retail discount, but I was the first person to recognize the paradigm changing nature of a high percentage discount/rebate monetary policy at retail sale, and to visualize the “knock on” benefits it could have both in the economy and numerous other areas of human endeavor. I was also the first person to recognize and define the concept of a mega paradigm change of which the new monetary and financial paradigm of Abundantly Direct and Reciprocal Monetary Gifting is an example.