They are all Monetary Gifts. And the basic idea behind every one of them is the natural philosophical concept of Grace as in Gifting.

The private banks currently own the monopoly concept for the creation and distribution of new money which is Debt ONLY. The word ONLY designates it as a monopoly. All monopolies are problematic because they exert enforced dominance and dominance is not only economically uncompetitive it is flat out unethical. One needs to ask oneself: Are systems made for Man, or Man for systems?

When you answer that question correctly you know how to proceed with all matters regarding money, especially its new paradigm of Gifting. Namely the 50% Discount/Rebate policy at retail sale and the 25-50% dual Gifting Policy at the point of loan signing.