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Humphrey et al. (1996) estimated a system of demand equations for five payment instruments (check, electronic or paper giro, credit card, and debit card) for 14 countries between 1987 and 1993 and found that although all payment instruments except debit cards substitute for cash.
Instead of having "BINGO" at the top of the cards, substitute it with "THANKS".
Instead of having "BINGO" at the top of the cards, substitute it with "OCEAN" or "PATTY".
Instead of having "BINGO" at the top of the cards, substitute it with "BEACH" or "ALOHA".
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There are plenty who would have a fit Owen in the squad - not as a starter but as a wild card substitute - and even the player himself might just sense a very small window of opportunity opening.
Make a puzzle out of the card, substituting the front of a card for the drawing or picture.
Once automatic bill-paying is perfected and smart cards can substitute for cash these institutions will go the way of the dinosaur.ALEX TOLLEYMountain View, CaliforniaSIR Your article on the growing electoral clout of Latinos in America ("The big enchilada", May 27th) begins with the examples of Ricky Martin and Jennifer Lopez, two Puerto Ricans.
But Melvin A. Schwarz, the Justice Department's lead lawyer in the case, insisted that no amount of competition among the thousands of banks that issue the cards could substitute for meaningful competition between the Visa and MasterCard networks that provide advertising, technical and other support.
An upset looked on the cards but substitute Sean Scannell's fierce shot was only parried by Mariners keeper James McKeown and Paterson was on hand to fire in the rebound and level the tie.
Most people make credit cards as substitute for money and incur debt afterwards.
Perenara eventually produced a yellow card after substitute Mose Masoe, St Helens' major new signing for 2014, caught Thomas Bosc late with a shoulder charge.
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CEO of Professional Science Editing for Scientists @ prosciediting.com