53:36 A community can set up a CONTRIBUTION which everyone agrees to pay in the currency issued by the community issuer 53:48 Therefore a Debt Free Currency System really means a COMMUNITY TRIBUTE money system where the debt is a contribution to the community, payable in the currency of the issuer 55:45 A community can set up its own CENTRAL BANK that sets the interest rate at zero for the money in the community

53:04 Money is the debt of the issuer