Arkadeas with all due respect your quite wrong, The main point is you cannot make money from money (as is the case with interest) payment for a hair cut is just that,it is payment for a persons time something which is intangable and can never be given back. It is physically, financially, mathematically (whatever you want to call it) imposible to give back more than has been given out, what banks are asking you to do when they ask for interest on a loan is steal money from the pool of money containing only the principle amounts. Try it with matches, with monopoly money, with milk bottles, with a spreadsheet, whatever you like! its impossible. Mr S