[mgkimsal]

"Which ever is most efficient"

If I care about the most efficient way to make sure money stays local to my region, dealing with institutions that have a habit of keeping money in a particular region seems the best way to ensure that happens.

[righttoremember]

Efficient is a technical term from economics. It refers to whatever maximizes total welfare. Total welfare is also a technical term, and is roughly approximated by GDP.

You don't have to believe efficiency is an important goal (although my post was arguing that it is). But please let us have this word. Arguments should be had on the basis of refuting peoples ideas, not depriving them of the use of any word with a positive connotation.

[zapnap]

Amen.