| http://www.w3.org/ns/prov#value | - The processes can also be distributed to purchasers via downloading over a network, such as a packet switched network using an electromagnetic wave, such as a carrier wave. [0033] The credit card financial management system of the invention operates in an environment having a system model 30, as shown in FIG. 2, where an employee 32 is issued a credit card 34 by a credit card issuer 36, such as a
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