PEOPLE For  Mathematically Perfected Economy™ (PFMPE™)  :  mathematically perfected economy™ (MPE™) is the singular integral solution to 1) inflation and deflation, 2) systemic manipulation of the cost or value of money or property, and 3) inherent, irreversible multiplication of debt in proportion to a vital circulation, engendering inevitable systemic failure at a finite system lifespan defined by an inevitable, terminal sum of insoluble debt. Mathematically Perfected Economy™ is every prospective debtor's right to issue their promise to pay, free of extrinsic manipulation, adulteration, or exploitation of that promise, or the natural opportunity to make good on it.

MORPHALLAXIS, January 14, 1979.

WHAT IS Mathematically Perfected Economy™?

When the freedom they wished for most was the freedom from responsibility, then Athens ceased to be free, and never was free again.

Edith Hamilton

There is no subtler, no surer means of overturning the existing basis of society than to debauch the currency. The process engages all the hidden forces of economic laws on the side of destruction, and does it in a manner which not one in a million is able to diagnose.

John Maynard Keynes

The lie can be maintained only for such time as the State can shield the people from the political, economic and/or military consequences of the lie. It thus becomes vitally important for the State to use all of its powers to repress dissent, for the truth is the mortal enemy of the lie, and thus by extension, the truth becomes the greatest enemy of the State.

Joseph M. Goebbels

mike montagne

Solo bow hunt, self portrait, 7 miles into the North Fork Wilderness.


"Nothing could moreso violate the principles of a truly free nation than a central banking system which cannot even be promoted by its true consequences."

"Usury is no accident. We have developed a capability to prosper never before attained in human history. Yet a dire struggle against a critical, mounting debt exists; and if insoluble debt alone is ultimately produced by the intent of a system said instead to support commerce and to be an "economy," then no real alternative exists for the people but to adopt solution and compel usurers too to earn their living by true production."

"As to the pretended justice of it all, will they then wish to give up ever more of their production for naught?"


Imagine that you are designing the first combustion engine:

A prototype finally starts. It sputters; it coughs. It stumbles.

You envisioned smooth delivery of power — efficient power. Your very initial objective was to achieve full possible power. So is an engine to cough? Is an engine barely to run?

No one would ever have built a decent engine if we exclaimed only how wonderful all the "running" amidst all the first sputtering.

Imposition of a central banking system on true free enterprise runs quite the opposite course. It takes a free running engine and irreversibly multiplies its debt until it can run no more. That it ran in the first place, that it ran for some time, and that it improved its production at times even faster than usury imposed ever greater oppression is no testament to the ostensible merits of usury; nor does it prove the subject commerce can sustain itself against the multiplying costs of debt forever.

In fact commerce is finite; and a system which can only multiply debt in proportion to commerce can only eventually exceed the capacity of finite commerce to support infinite, irreversible multiplication of debt in proportion to a circulation. Indeed, as ever more of such a circulation must be dedicated to servicing the multiplying debt, ever less of the circulation remains to sustain commerce.

The inherent collapse of a central banking system therefore approaches at an ever escalating rate, as the subject commerce struggles against all the malignant consequences of servicing perpetual multiplication of debt in proportion to the potential commerce which can survive to do so.

Saturday, April 5, 2008


Suppose we lived perhaps one or two thousand years ago... and according to an agreement with a neighbor on the other side of a small valley, each of us might bring something we produce at will to exchange at a weekly market where the surrounding people regularly trade however and whatever they desire.

In terms of freedom or ability to produce and trade, these anticipated conditions are equivalent to mathematically perfected economy™:

  1. We are free to endeavor at non-injurious industry to the full extent of our capacities;
  2. We are free to trade;
  3. We are free to agree upon reasonable value;
  4. And because no one takes from the trade anything but the equal of what they contribute to it, each party receives the full, self-determined equivalent of their contribution to the overall pool of wealth.

Fully enabled by this vital union of justice and liberty, and freed thus to benefit from further ideas such as specialization, we prosper as much as the fruit of our best doings.

This union is itself the very freedom to produce and distribute our industry any further way we may want to. Lacking encumbrance, manipulation or limitation, and enjoying full, undiminished reward, we have the only truly free and uninjured model of enterprise. In every case that it injures no further person, by the very measure of its participants, voluntary trade is just to all; and so there is peace between all neighbors.

But if at the market that day we met with our neighbor as agreed, and to our surprise we were confronted by a small man and 5 body guards... and the small man shouted down to us his law that as "he" had taken control of the grounds, all consummated trades required each party to give up 3 items of every 10... what would we do?

Perhaps with so many of us sharing a necessary cause to resist the tyranny of the 6... then expecting them never to provoke us but at the grounds they had taken, we might carry our transaction elsewhere.

But if the wee man claimed rule of the realm as well... perhaps ten times the 6 more might compel the surrounding people to trade only according to the imposed rule.

So succumbing in either case not to do our trading elsewise, from some dark day forth and for nothing we could not provide ourselves without cost, daily in fact we would be compelled to give up 3 of every ten things we produced.

This would be the end of our trade without cost, on the ground, at the value, and for the reward of our common choosing. But usury is a greater abomination, because while it may not so much require armies as deception, disinformation, ignorance, fear and division, it inherently and inevitably takes more than any knowledgeable public would ever assent to, and by necessity must erase the very possibility of representation.


By definition and by necessity, usury acts upon a currency; and so to understand the whole of its ramifications, let us step back again to before the time of the wee man.

If we were to devise a currency which — just as in the union we sought for uninjured barter — represented only the wealth we produced and no other thing or process...

  1. then that currency would have to be of a supply always capable of representing the whole of our production;
  2. it would have to come and pass to and from existence in parallel with creation and consumption;
  3. the circulation therefore would perpetually represent the remaining value of the assets for which it was issued;

    [by virtue of the first and second attributes, the currency would neither appreciate or depreciate]

  4. and its whole resultant lack of power/process to damage us itself therefore would eradicate whatever evils can rightly otherwise be attributed to contending forms of "money."

As in the union of uninjured barter, these are properties of mathematically perfected economy™.

Beyond its singular sustaining prescription for enablement, perpetual retention of value, and utter inability to diminish liberty or justice, why would a truly free and represented people even defensively and necessarily deploy the currency of mathematically perfected economy™ and no other?


When the wee man comes to impose usury, he needs no army, and works by deception. His stratagem imposes upon the idea that money represents wealth; but he seeks to make himself the creator of a currency which will cost him nothing to take all wealth, and which at all times represents not earned wealth, but an ever multiplying obligation which even from the beginning, far exceeds it.


The first lie of this ancient stratagem is 1) that loaning this costless money comprises risk.

There is no risk, for the most to actually lose is the negligible cost of publishing the money. Even losing this is practically impossible, because the publication cost is recouped at great profit in the first payment against resultant obligations, while the potential confiscation of defaulted property ensures stupendous profit, even after default. If for instance a $100,000 bill even costs so much $1 to publish, the usurer recoups *a thousand fold profit* — or the default of *a thousand such* "loans" — in the *first* payment of $1,000 against *a single such* debt.


The second and third aspects of the ancient stratagem are 2) that interest compels us to maintain a vital circulation; and 3) that doing so inherently and irreversibly multiplies debt in proportion to a circulation.

We must maintain a circulation by perpetual re-borrowing, because even the initial obligation (principal and interest) exceeds the original circulation (original principal). Abstention would vanish the entire circulation, because what debtors actually "owe" to usurers is far more than they borrow.

Replenishing the circulation entails perpetually re-borrowing whatever we pay against principal and interest obligations. Payments against principal obligations therefore do not pay down the sum of debt, because re-borrowing results in a subsequent sum of debt, equal to the former. Borrowing interest obligations back into circulation thus perpetually increases the sum of debt so much as periodic interest.

This process is irreversible so long as a circulation is maintained, because it is impossible to maintain a circulation subject to interest without generating ever escalating sums of debt.


Debt thus inherently increases by ever greater increments of periodic interest on an ever greater sum of debt.

As the sum of debt thus increases at inherently escalating rates in proportion to a circulation, thus too do the costs of servicing debt increase in proportion to the circulation; and as they do, they leave ever less of the circulation to sustain the commerce which must service debt, and devote ever more of the circulation to servicing debt.

Thus in little time, the wee man who succeeds by ignorance of these deceptions multiplies his unearned takings at an ever escalating rate, to the ever greater cost and eventual terminal failure of the subject commerce.

In other words, little Johnny's first step under usury promises his final, fatal step — far along the way to which even the takings are far greater.


None of this of course happens without extensive subversion at the government level.

All at once then, usury is a) the most potent conceivable device to take almost unconceivable unearned wealth; b) a perpetual transgression, all at once requiring denial, disinformation, ownership of the media... all pitted against a vital need for reform, itself balanced by the greatest imaginable temptation to those intended to be responsible for reform; and while c) usury itself is the supreme leverage to seal off practically every conduit of resistance but mass rejection.

There is no representation in the domain of the world's central bankers.

So all of this is usury, and usury is why a truly free and represented people would even defensively and necessarily deploy the currency of mathematically perfected economy™ and no other.

The money of the usurer does not represent wealth; it represents a perpetually multiplying obligation which even from the beginning far exceeds the wealth we might carelessly presume the money of the usurer represents. Indeed, we use that perpetually multiplying obligation between each other to exchange some of the wealth we produce; but even as we do, usury is taking great portions of the full measure of wealth we would otherwise exchange; and usury is perpetually multiplying debt upon us, even as we do.

So, even as we casually accept usury even as the very foundation of general purported economies, usury is neither economic, an economy, or integral. It is the tool only of parasites, because it is impossible for a society to multiply artificial debt upon itself for its own benefit.

By extension usury arrives only one way and comes in only one form — by imposition; and thus by imposition of inherent, irreversible multiplication of unearned taking. And that's why you are up against them, who refuse to represent you.

WHAT IS Mathematically Perfected Economy™?

There is no need to borrow private capital in mathematically perfected economy™, because, much as private individuals might issue their own promises to pay each other, all necessary currency is issued publicly by a singular integral prescription which eliminates 1) inflation and deflation; 2) systemic manipulation of the cost or value of money or property; and 3) inherent multiplication of debt by interest.

Inflation and deflation are eliminated by debts or obligations no greater than the remaining value of the related property, which are paid at the rate of consumption or depreciation. Inherent multiplication of debt by interest is eliminated by eradicating interest. As the cost or value of money or property are only manipulated by inflation, deflation, interest, the first and third solutions together eradicate potential adverse systemic manipulations.

Thus a $100,000 home with a 100-year lifespan would be paid off at the overall rate of $1,000 per year, or $83.33 per month.

I frankly find it quite remarkable that any general citizen would argue against that, or for anything else, particularly given the prospects of near term systemic failure at hand.

But it happens all the time.


"To find the players in all the corruption of the world, 'Follow the money.' To find the captains of world corruption, follow the money all the way."

mike montagne — founder, PEOPLE For Mathematically Perfected Economy™, author/engineer of mathematically perfected economy™ (1979)

While 12,000 homes a day continue to go into foreclosure, mathematically perfected economy™ would re-finance a $100,000 home with a hundred-year lifespan at the overall rate of $1,000 per year or $83.33 per month. Without costing us anything, we would immediately become as much as 12 times as liquid on present revenue. Transitioning to MPE™ would apply all payments already made against existent debt toward principal. Many of us would be debt free. There would be no housing crisis, no credit crisis. Unlimited funding would immediately be available to sustain all the industry we are capable of.

There is no other solution. Regulation can only temper an inherently terminal process.

If you are not promoting mathematically perfected economy™, then you condemn us to monetary failure.

© Copyright 1979-2008 by mike montagne and PEOPLE For Mathematically Perfected Economy™. ALL RIGHTS RESERVED.Copyright 1979-2008 by mike montagne and PEOPLE For Mathematically Perfected Economy™. ALL RIGHTS RESERVED.

PEOPLE For Mathematically Perfected Economy™, Mathematically Perfected Economy™, Mathematically Perfected Currency™, MPE™, and PFMPE™ are trademarks of mike montagne and PEOPLE For Mathematically Perfected Economy™, The trade name, Mathematically Perfected Economy™, may only be used, and may freely be used, only by permission, and only by countries complying with the prescription for Mathematically Perfected Economy™ herein.

THANK YOU FOR VISITING PEOPLE For Mathematically Perfected Economy™!


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