Page 102 - Systemic Reform Solutions

another nation a rate above the average income of the citizens who may or who may not
have received any benefit from the investment.

• Usury is the charging of interest. Interest is the demand for additional payment

without the expense of energy and is enslavement of another being; is against
Divine Law and human rights, is destructive to the individual and mankind as a
whole, and an unnatural process conceived in mental illness.

STEPS 4 through 8
After the RDC is calculated, the Debt Holders Willit Compensation is calculated with their
Willit Compensation Rate Levels. Willits are then transferred to the debt holders’ Willit-IHA
(International Holdings Account), for the purchase of goods and services from the debtor

nation’s international allocation of resources, and no further interest will be accumulated
nor paid.

After the Standard Needs (SN) of all citizens are met, every nation that has allocated resources
based on the 60/30/10 partition agreement, will commit 10 percent of their yield to the
International Exchange to pay off debt owed. Standard Needs include: Housing, food,
communication equipment, utilities, infrastructure, security, as well as education, health services,

and technological exchange.

Nations may request to purchase an allotment of international debt from its citizens in exchange
for its own Willit currency, for the purchase of international products. Nations must disclose what
the funds will acquire from the International Resource Pool and how the resources will be used.

Debt conversion into Willits is based on converting the purchase price paid for the bond or the
principal amount of the loan to the actual energy investment an individual would have placed into
obtaining the bond, if they were compensated at the standard rate of the citizens of the issuing
country.

To prevent abuse and loopholes of bond transfer, Debt Conversion is not based solely on the face
value of the bond. This is to ensure that an individual cannot purchase, for example, a bond valued
at one million dollars, for $1.00, then receive Willits for the face value of the bond, instead of the

purchaser's energy output.

Bonds transferred to children, or people that have not held a job prior to the date of transfer or
purchase will be considered null and void; as there is no fair income ratio for comparison.

Also, bonds transferred to individuals as gifts, will also be null and void, as the receiving individual
did not work for the bonds.

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