American President James Madison warned: "History records that the money changers have used every form of abuse, deceit and violent means possible to maintain their control over government by controlling money and its issuance." Few people are aware of how the money system is manipulated by the RESERVE BANK to make debt-slaves of the majority of a country's citizens. This book exposes how the RESERVE BANK uses the Fractional Reserve System to create "money out of nothing," and thereby diminish the value of the country's currency. For example, the American dollar has diminished by as much 96 percent since the establishment of the Federal Reserve Bank. Would the Bank's immoral activities not be tantamount to stealing money from the citizens of the countries where banks operate as "private" corporations? Sir Josiah Stamp, former director of the Bank of England, cautioned: "If you wish to remain the slaves of bankers and pay the cost of your own slavery, then let the banks continue to create money." A. Motiar is actively involved in social justice issues. He is a researcher, teacher, author, and an inventor. It pained him to see the disparity between the rich and the poor increasing rapidly. A ten-year research to find the cause helped him discover how the monetary system controlled by "privately-owned" RESERVE BANKS played a significant role in diminishing the wealth of most ordinary citizens. He is the author of several books and won several awards for his literacy and numeracy material: (see http: //www.MathAndLiteracyAfrica.co.za). His primary focus at present is to enhance literacy and numeracy skills of those most marginalized in society as one means of empowering citizens. Publisher's website: http: //sbpra.com/AMotiar