For the "book disadvantaged" among us, I saw a reference today to the California civil code online. It is at: http://www.law.indiana.edu/codes/ca/codes.html. The form of this URL suggests that other states might be there, too, but I didn't look. This is a very nice presentation, structured with each section in a separate page, and a nice table of contents. I was browsing the commercial code which has lot sof interesting info on commercial paper and other subjects of interest with regard to digital cash. Hal