TURMEL: Three Supreme Court Usury Cases

       ONTARIO SUPREME COURT INJUNCTION AGAINST BANK OF CANADA
19800918
@PAPER = Ottawa Citizen, Tim Harper
@HEADLINE = Bank of Canada a gaming house? Stop interest lawsuit
@NEWS = Gerald Bouey's caper may be over. John Turmel, the Ottawa man
who spends his time gambling, running for election and planning to rid
the country of inflation and unemployment, is asking the Supreme Court
of Ontario to order that the governor of the Bank of Canada stop
charging interest.
@NEWS = Turmel, claims in an affidavit that Bouey is keeping a common
gaming house, illegal under the Criminal Code. He likens interest to a
fee for the use of chips (money) in a game (industrial activity). His
bid for a restraining order will be heard by a Supreme Court judge in
Ottawa Sept. 29. Bouey's office said today the notice of motion has
been received.
@NEWS = If the prospect of a set-to before the Supreme Court excites
no one else, it at least excites Turmel. "Oh boy, oh boy, oh boy, this
is going to be the move of my career," he said Wednesday. "That 1 1/2
hours is going to be the best performance of my life."
@NEWS = A Supreme Court official in Toronto said anyone can get a
hearing for more or less any cause for just $15 to cover the cost of
paperwork. Giving ordinary citizens a way of bypassing officialdom is
another way of saying justice is accessible to everyone, he said. But
few "eccentric" requests are granted. And there are financial risks:
The court may make an applicant pay his adversary's legal costs and
the adversary may be able to sue for libel or slander.
@NEWS = Turmel said he should have gone the legal route rather than
the political route a long time ago. In his last foray into politics,
he polled 87 votes in a by-election earlier this month in Hamilton
West. He said his system, in which only existing money can be paid as
a fee, should earn him a Nobel Economics prize. But he's not sure he
would accept unless the prize was retired making him the final
recipient.

19800930
@PAPER = Ottawa Citizen, Lewis Seale
@HEADLINE = Gambler asks court to ban loan interest
@NEWS = Ottawa gambler-politician John Turmel had his day in court
Monday and came equipped with a blackboard, a felt covered table with
sunken chamber for poker chips, a plastic ship and a tomato. Turmel
was there to ask for a restraining order forbidding the Bank of Canada
to charge interest on loans. Justice T.P. Callon listened quietly to
Turmel's 50 minute presentation on how to end unemployment and
inflation by banning interest and then reserved judgment.
@NEWS = Turmel used to tomato to illustrate production and the
blackboard for the charts and formulas to show how he believes
interest makes the rich become richer and the poor become poorer. The
chips were to dramatize his point that anything can be used as a
medium of exchange but they were also a reminder of his claim that
bank Governor Gerald Bouey is keeping a common gaming house which is
illegal under the Criminal Code.
@NEWS = His arguments followed Social Credit lines and he said later
he would seek that party's leadership at its November convention in
Calgary. He also plans to run for mayor of Ottawa.

19801002
@PAPER = Ottawa Citizen
@HEADLINE = Gambler loses bid to outlaw interest
@NEWS = John Turmel said Thursday the Supreme Court of Ontario has
turned down his bid for an order forbidding the Bank of Canada to
charge interest. Citing the gambling provisions in the Criminal Code,
Turmel likens interest to a fee charged for the use of chips (money)
in a game (industrial activity) and charges that it leads to
"genocidal inflation and unemployment. Mr. Justice T.P. Callon ruled
he did not have jurisdiction in the case, Mr. Turmel reported.
@NEWS = Turmel describes himself as a professional gambler but he is
also a perennial candidate for political office as he preaches his
Social Credit views on money. He said Thursday that he has not given
up on the courts and would consult a lawyer about further moves he
could make.

             ONTARIO SUPREME COURT MANDAMUS AGAINST CROWN
19801003
@PAPER = Ottawa Citizen
@HEADLINE = Now it's a charge of murder
@NEWS = The Ontario Supreme Court has turned down John Turmel's bid
for an order forbidding the Bank of Canada to charge interest so
Turmel has decided to charge the bank with murder. He said today he
would be filing with the court clerk today a request for a writ of
mandamus to force the Crown attorney to proceed with two charges
against the Bank of Canada, genocide and keeping a common gaming
house.
@NEWS = Citing the gambling provisions of the Criminal Code, Turmel
likens interest to a fee charged for the use of chips (money) in a
game (industrial activity). Turmel asked the SCO last Monday to "cease
and desist the genocidal banking practice of interest and switch to a
pure service charge."

19801015We
@PAPER = Ottawa Citizen, Dennis Foley
@HEADLINE = Judge's advice: go home
Picture of me from when I had been attacked by a robber.
@NEWS = John Turmel was ingloriously shot down in Ontario Supreme
Court as  he attempted to push his fight against the Bank of Canada
through the courts. Turmel was asking the court to force the Crown
attorney to charge the federal bank with advocating genocide and
keeping a common gaming house. He contends that the bank's interest
rates are strangling people. An earlier motion was dismissed without
reasons after a judge patiently listened to Turmel's theories for 50
minutes.
@NEWS = As the second hearing opened, Richard Mosley, who had the task
of opposing the motion, asked that it be postponed. Mr. Justice Mayer
Lerner ignored the request saying the matter wouldn't take long and
then asked Turmel if he was a lawyer. When Turmel said he was not, the
judge said "Oh, just a concerned citizen."
@NEWS = Lerner the repeatedly asked if Turmel had any basis in law for
making the motion, interrupting every time Turmel tried to digress
into his theories. "I've read your papers and there's no merit in
them. Motion denied." the judge said bluntly. (No jurisdiction) Turmel
then asked the judge where he could go next implying a continuation of
his legal battle. "Home" the judge succinctly replied. (The joke is
really on him because he did have authority for a mandamus order)

           FEDERAL COURT INJUNCTION AGAINST BANK OF CANADA
19810227Fr
@PAPER = Ottawa Citizen, Lewis Seale
@NEWS = Federal Court has taken under advisement a new bid by John
Turmel to stop the Bank of Canada from charging interest. There was no
indication how long Justice Louis Marceau would take to give a ruling.
The bank did no bother putting up a defence. When Turmel took his case
to Ontario Supreme Court last fall, he was brought up by a ruling that
the court did not have jurisdiction. That's why he's trying his luck
in Federal Court.

19810303Tu
@PAPER = Ottawa Citizen, Lewis Seale
@HEADLINE = John Turmel loses round in Bank of Canada case
@NEWS = Gambler-politician John Turmel has lost yet another round in
court as he tries to stop the Bank of Canada from charging interest.
"Beyond the powers of the court," was the crisp ruling from Justice
Louis Marceau of Federal Court. He went on to label Turmel's
application for an order banning interest "frivolous" and an "abuse"
of the court process. Undaunted, Turmel says he will appeal. (final
edition)

19820511Tu
@PAPER = Ottawa Citizen   Charles Gordon
@HEADLINE = Interest high as world record captured on tape
@NEWS = What the sound truck announced as "the longest row of quarters
in the world, we hope," began behind the Bank of Canada building with
the Governor of the Bank of Canada sticking the first coin. The timing
was especially good because, just moments earlier, the notorious
Social Credit Turmel brothers had dashed off in the other direction
with their usual signs condemning interest rates in strong terms and
the Governor in even stronger ones. They may have thought the Governor
was at the other end of the mall, where in fact, Harry Belafonte would
be appearing to stick the last quarter on. Told that the Governor
would be at this end and Harry Belafonte would be at the other, a
passer-by said "I'll go to the other end." As it turned out, hundreds
of others did too. If that was too bad for the Governor of the Bank of
Canada, at least he didn't have to put up with signs quoting the Bible
against his interest rates. And it would be another half hour before a
New Democrat rose in Parliament to demand his resignation. The
Governor appeared walking out of his bank with some other bankers, one
of whom immediately tripped over the sticky tape. There was some time
taken to repair it. Finally, the governor announced that the longest
row of quarters in the world, we hope, was officially opened and stuck
the first quarter.
     jct: I bid $10 and got the quarter. And Ottawa was applying for
the Guinness Book of World Records.

19820522Sa
@PAPER = Hamilton Spectator, Denis Leblanc
@HEADLINE = John thinks he has the right formula
@SUBHEAD = Any bets?
Picture of me in hard-hat captioned "Back Again"
@NEWS = The Hamilton West by-election got its fourth candidate
yesterday. Ottawa's professional and convicted gambler, John Turmel,
indicated he'll try and grab the vacant provincial seat again. Two
years ago, the 31 year-old graduate engineer failed to convince voters
that his platform was the soundest of all. He finished last. Undaunted
by that set-back -- and others before it -- Independent John -- or The
Engineer as his white hard-hat reminds -- is back, only this time his
philosophy has an equation behind it and proves the workability of his
idea: the elimination of interest.
@NEWS = He opened his campaign for the Christian Credit program at the
corner of James St. S. and Main St. on the door-step of the riding's
returning officer. Returning officer Paul Drage did not permit John to
stage a press conference in the room. "This is neutral territory,"
said Mr. Drage "Out." And so at the intersection where lumbering
tractor trailer units often drowned his never-stopping verbal
outpouring and where only two passers-by stopped to listen, John
launched into the Bank of Canada and its Governor, Gerald Bouey,
against whom he is locked in legal battle. As his Notice of
Application for Leave to Appeal in the Supreme Court of Canada states
"... and take notice that the said application shall be man shall be
made upon the grounds that the usury rake-off set by Gerald Bouey,
Governor (Keeper) of the Bank (Gaming house) of Canada creates a
genocidal gamble, aptly named mortgage (death-gamble) for its
requirement that the participants in the death-gamble repay both the
principal and the usury when the banks only created and loaned out the
principal..."
@NEWS = OTTAWA
@NEWS = For those who may have difficulty in comprehending John's
platform, he has come up with a simple electrical blueprint. Any
electrical engineering student, having looked at the diagram, would
agree with its workability and capabilities. For the more advanced,
there's the Laplace variable and the interest rate which can be
reduced to a workable equation when determining either the purchasing
power 1/(s(Laplace variable) + i(interest rate)) or loss of purchasing
power i/s(s+i) (? - ?). Nothing to it.
@NEWS = Whether or not voters will get to closer examine the candidate
and his theory that would do away with unemployment and inflation
remains cloudy. John returned to his Ottawa home after unveiling
himself yesterday. "There's no point in coming here and standing on a
street corner trying to talk to people. There should be some all-
candidates' meetings. Talk to the union people here. They'll organize
them, they'll tell about the ones we had last time." Should he
campaign locally, the Hamilton West riding could be lively with John's
high-tech approach. With a diskette in his back pocket (it contains
the cure for our economic and social woes) and his formula written
down, he is ready to go. The one formula he has to worry about is
where x equals votes. In 1980, that calculated to 77 or, for him, two
votes for every thousand cast. And if John fails here, there is his
mother, Theresa, and brother, Raymond, who accompanied him yesterday
and who are considering two other ridings. On the same platform, of
course.

@PAPER = Hamilton West Journal, Diana Burri
@HEADLINE = Candidate carries solution in pocket
Picture of me talking to Denis Leblanc captioned "IT REALLY WORKS:
John Turmel explains his platform to passers-by. Mr. Turmel was in
town May 20 to campaign for the June 17 Hamilton West by-election. His
platform is simple: the elimination of interest.
@NEWS = The solution to Canada's economic problems was in John
Turmel's back pocket last week. Mr. Turmel, Ottawa's professional
gambler and fourth candidate in Hamilton West's by-election stood on
the corner of James and Main explaining his platform to passers-by.
His platform is simple: eliminate interest  on loans. With a small
disc in his pocket and an equation, Mr. Turmel said, his formula will
abolish interest overnight -- a feat he claims -- will make him more
famous than Albert Einstein. Mr. Turmel is no newcomer to Hamilton.
Two years ago, he placed last in the mayoralty race. Undaunted, he is
back, this time with the equation behind his philosophy. The Christian
Credit program, as he calls it, will destroy the usury banking system
"The greatest sin in the world." "Credit should be based on human
ability and not on collateral. If I'm better than the next guy, but
ability is based on collateral and if I have none, I don't get the
credit. That's unfair. People are losing their homes, their farms
because of interest," he said. "With my system, there is no interest.
Why should there be interest? Why do we have to pay back money we
never borrowed?" Two years ago, Mr. Turmel told the banks he would be
"taking down the systems." "This will be the major revolution in
history. People are being conned. They strike for more money for food
but they should be fighting for more food for their money. The
politicians don't know what to do. History will prove that I have the
answer."

19820604Fr
@PAPER = Vancouver Sun, Jamie Lamb
@HEADLINE = Good times and bad times
@NEWS = You're on the third floor, West Block, home of the House of
Commons Committee investigating and assessing the profitability of
chartered banks. This morning's witness is Bank of Canada Governor
Gerald Bouey. With interest rates about to rise almost a half
percentage point to 15.87%, and the chartered banks about to raise
their prime lending rates, and the Canadian dollar under siege, and
the country in an economic tailspin, the Committee and press alike
were looking forward to Mr. Bouey's appearance. Besides, with the
Prime Minister and the Finance Minister away at the Economic Summit,
the committee proceedings are the only game in town.
@NEWS = So, high noon on the hill? Would the MPs tell the Governor to
board the out-bound stage or elect him Sheriff? Nothing so dramatic,
unfortunately. In fact, the proceedings began on a comic note. As
Committee members and reporters filtered into the Committee room, they
were greeted by the self-proclaimed saviour of the economy, John C.
Turmel. Mr. Turmel is a fixture on the Ottawa scene in his white hard
hat and his bag of mimeographed cures for the economy. You can find
him parading in front of the Bank of Canada building every Thursday
always with a sign which reads "Bouey is a Crook." Mr. Turmel has a
knack for crashing meetings. During last year's economic summit in
Ottawa, a group of 14 high-powered U.S. journalists were in a hotel
room waiting for a private briefing by a very senior American
official. Into their midst shimmered Mr. Turmel, handing out tracts,
informing all that it would be a good thing if Mr. Bouey were sent to
a leper colony. The look of puzzlement on these heavyweight media
faces was priceless. Mr. Turmel was more sedate on this occasion,
handing out his "Blueprint for banking" which he, as a "Banking
Systems Engineer" and soldier for Christ, has designed.
@NEWS = I chuckled when I read it and he said that I may be laughing
now, but in 10 years, I'd be sorry about missing my chance for an
interview. (Not to worry said a colleague; he had been told to expect
a Nobel prize if he wrote about Mr. Turmel's blueprint, and so far,
there hasn't been any telex from Stockholm.)
@NEWS = Wheeling away to shout cheery greetings to committee chairman,
Liberal John Evans -- "Hey John Evans, you low-tech MP, how are you?"
-- he spun back and handed out an application -- in forma pauperis --
for an appeal before the Supreme Court. The appeal reads in part:
(They cut my words right out of the story right at the colon. Jamie
Lamb says they probably had all of it in the fourth edition)
@NEWS = Outside the committee room, Mr. Turmel was still blatting his
own trumpet. "Banking is as banking does; can you believe it? Don't
you believe it, friend, because I've got the electrical blueprint for
success right here.
@NEWS = Speaking in grandfatherly tones, Mr. Bouey offered his
impressions of chartered banks and their actions in an era of high and
volatile interest rates and recession. Mr. Bouey, in a patient voice
which might be reserved for a slow but eager child, offered his usual
defence of the bank's monetary policy. Inflation and inflationary
expectations must be reduced. A drop in the dollar would promote
inflation and result in even higher interest rates than we presently
experience. Nobody likes high interest rates, but to protect the
dollar and reduce inflation, high interest rates it is.

             CANANA SUPREME COURT MANDAMUS AGAINST CROWN
19820607Mo
@COURT = SUPREME COURT OF CANADA
@STYLE = John Turmel VS Crown
@JUDGES = Justices Ritchie, Dickson, MacIntyre
@MINE = APPELLANT'S MEMORANDUM
@MINE = ----------------------
@MINE = Facts:
@MINE = This is an appeal from the March 15, 1982 decision of Justice
D. Blair of the Ontario Court of Appeal disallowing an extension of
time to file an appeal against the decision of Justice Robert F. Reid
of the Ontario Supreme Court Trial Division.
@MINE = On Sept. 28, 1981, a motion was heard for an order of mandamus
that the Crown enforce the Criminal Code against Gerald Bouey,
Governor (Keeper) of the Bank (Gaming House) of Canada on the grounds
that the interest rake-off creates a genocidal gamble, aptly named
"mortgage" from the French words "mort" meaning "death" and "gage"
meaning "gamble" by its requirement that all of the participants in
the death-gamble repay both the principal and the interest when the
banking system only created and issued the principal.
@MINE = On March 15, 1982, the day before the appeal of R. Turmel vs.
Bank of Nova Scotia was to be heard, the motion for an extension of
time was heard before Justice Blair. Having read the motion, he
suggested that it be put off until the next day when the court would
rule on the question. The Crown objected.
@MINE = I proceeded to explain that when the courts put a farmer out
of production due to the Interest Act in a world afflicted by
starvation, we'd have to watch more babies dying on television. Also,
the extra number of souls lost by delaying implementation of the
solution even one day was equal or greater than the number who perish
on that day.
@MINE = Given that the money system is now 90% electronic and
vulnerable at its central computer to instantaneous correction, I
likened our problem to that of the astronaut attempting to pull the
plug on the killer computer in the movie `2001, A Space Odyssey.' I
stated "Here we are sitting in front of the killer computer's plug.
I'm a scientist and I say "pull the plug." If it's not pulled today,
tomorrow, I'll be in front of three more judges with power at the
Court of Appeal, and if no action there, I will try again soon before
three more judges at the Federal Court of Appeal.
@MINE = I explained my wish was to demonstrate my conviction that
pulling the plug on the killer computer even one day early would
result in the salvation of at least 46,000 people.
@MINE = Justice Blair ruled that though I had shown intent by filing
the application for leave to appeal on time but to the wrong court, I
had given up hope after than and that the time to appeal would not be
extended. No costs were awarded.
@MINE = The next day, the Court of Appeal ruled that the Criminal
Code, the Bible and Science did not apply to the Interest Act and
dismissed that appeal.
@MINE = Point of Objection:
@MINE = Given the millions of deaths that have since occurred, Justice
Blair erred in abiding in procedural limitations on the time for a
question of mort (death).
@MINE = Arguments:
@MINE = As an expert in gambling matters, I have mathematically
described the deadly effects of the mortgage (death-gamble).
@MINE = Section 7 of the new Charter of Rights states "everyone has
the right to life and the right not to be deprived thereof." I submit
it is the duty of the Crown to protect its citizenry from any system,
even Government-created, which inflicts mort (death) in violation of
religious and scientific laws.
@MINE = Blackstone on Jurisprudence says "this law of nature, dictated
by God himself, is of course superior in obligation to any other; it
is binding all over the globe, in all countries and at all times. No
human laws are of any validity if contrary to this ... Upon the law of
nature and the law of revelation depend all human laws; that is,  no
human laws should be suffered as to contradict these. Human laws act
in subordination to the former. In the case of murder, if any human
law should allow or enjoin us to commit it, we are bound to transgress
that human law or else we must offend both the natural and the
divine."
@MINE = This is not a question of if we will be delivered from the
evil of interest but when. Its genocidal impact is nullified by the
implementation of 100% electronic money, the hardware solution. Yet we
need not wait, with the availability of the software solution, the
abolition of interest from the system's programming. The atrocity of
usury must cease.
@MINE = Order Sought:
@MINE = The relief sought is an order of mandamus or leave to appeal
late for that order and that the banking system's computers be
restricted to a pure service charge until the legality of the interest
charge can be determined in a court of law.

     jct: On the eve of the hearing, I worked all night on getting a
second anti-usury case ready for hearing in two weeks for a quick one-
two. The first pushing Government to charge the banks and switch
software and the second stiffing the banks for the interest they never
created with the principal and it had just made it out of the Ontario
Court of Appeal. Right after the hearing of the first motion, I filed
the second one for their next available day in two weeks. Took them by
surprise. Bora Laskin, the Chief Justice himself came out hear the
argument for himself. But that second shot is another story.

19820607Mo
Hamilton Spectator "Supreme Court says phooey to charges against
Bouey"
Toronto Star  "No trial for Bouey on "Killer interest rates"
Edmonton Journal  "Phooey on Bouey, court told"
Owen Sound Sun Times  "No genocide charges against Bouey, court"
Kitchener Waterloo   "Court KOs Bouey critic"
London Free Press   "Court won't hear attack on Bouey"
Winnipeg Free Press   "Gambler loses Bouey gambit"
Gazette   "Bouey genocide charge thrown out"
Citizen   "Turmel craps out on bid to have Bouey charged"
Final   "Court buries gambler's case against Bouey"
Le Droit   "Bouey, no accusation"
Calgary Herald   "Bouey beats genocide charge"

19820608Tu
@PAPER = Globe & Mail, Leslie Sheppard, CP
@HEADLINE = Bouey won't face his charges, top court tells political
gadfly
@NEWS = 1. Bank of Canada Governor Gerald Bouey will not be charged
with genocide and keeping a common gaming house, the Supreme Court of
Canada ruled today.
@NEWS = 2. A panel of three judges, alternating between amusement and
annoyance, refused to hear arguments supporting the charges from
professional gambler and sometimes politician John Turmel of Ottawa.
@NEWS = 3. Mr. Turmel, 31, was seeking a judicial order to have
Ontario's Attorney General lay the genocide charge against Mr. Bouey
on the grounds the Bank of Canada's interest rates policies are
killing people.
@NEWS = 4. He wanted the Supreme court to order the Ontario Court of
Appeal to give him more time to appeal lower court decisions refusing
to order the charge be laid.
@NEWS = 5. Mr. Turmel told the court that every time a farmer is
forced into bankruptcy because of high interest rates, food production
is slashed and starvation increases.
@NEWS = 6. He maintained that about 46,000 babies die of starvation
throughout the world daily because farmers can't afford to grow food,
he maintained.
@NEWS = 7. Mr. Bouey should also be charged with keeping a common
gaming house, Mr. Turmel argued because the bank is gambling that
customers will be able to repay both the principal and the interest on
their loans.
@NEWS = 8. Mr. Turmel had pointed to the French origins of the word
mortgage to support his case -- mort is the French word for death and
gage is a form of the French verb to wager.
@NEWS = 9. "The usury rake-off set by Gerald Bouey, Governor (Keeper)
of the Bank (Gaming house) of Canada creates a genocidal gamble aptly
named mortgage (death gamble) for its requirement that the
participants in the death gamble repay both the principal and the
interest when the banks only created and loaned out the principal, Mr.
Turmel said.
@NEWS = 10. "Natural law, biblical law and criminal law indict the
mortgage as the greatest atrocity ever inflicted on mankind. It is the
proverbial root of all evil."
@NEWS = 11. He urged that the banks' computers be reprogrammed to
eliminate interest charges until the legality of interest rates can be
determined by the courts.
@NEWS = 12. Mr. Justice Roland Ritchie said Mr. Turmel's view were all
very interesting but beyond the jurisdiction of the busy court.
@NEWS = 13 "We're really not concerned with matters so esoteric as
your arguments."
@NEWS = 14. Questions about the federal Bank Act would be more
properly addressed to the House of Commons, of which "happily or
unhappily you are not a member," he said.
@NEWS = 15. Mr. Turmel, who can often be seen on Parliament Hill
waving a placard urging the abolition of interest rates and labeling
Mr. Bouey a crook, is a candidate for the fledgling Christian Credit
Party in the Jan. (June) 17 election in Hamilton West.
@NEWS = 16. The main platforms of the Christian Credit Party are the
abolition of interest rates and establishment of no-fault fire and car
insurance, he said.
@NEWS = 17. He has run in 10 elections in Ontario in the past year,
including last August's federal by-election in Spadina.

@PAPER = Hamilton Spectator, Dana Robbins
@HEADLINE = Turmel feels "shafted" in fight against Bouey
@NEWS = "They blew it, I've been shafted." That was John Turmel's
reaction to a Supreme Court of Canada decision yesterday that ruled
Gerald Bouey, governor of the Bank of Canada, wouldn't be charged with
either genocide or keeping a common gaming house. Mr. Turmel, a
professional gambler and politician, is a candidate in the Hamilton
West provincial by-election and had requested that the charges be
laid. He maintains that bank interest rates are responsible for
thousands of children starving to death around the world because
interest rates force many farmers out of business. Mr. Turmel who grew
up in Hamilton but now lives in Ottawa, represents the fledgling
Christian Credit Party, which opposes all bank interest and supports
establishing no-fault fire and auto insurance. He accuses the
Conservatives, Liberals and New Democrats of being controlled by the
banks. "The other three parties are brought lock, stock and barrel, he
said. Mr. Turmel told an all-candidates meeting last night that the
court's decision doesn't mean an end to his fight against interest
rates. "It's either people in the poor-house or bankers in the jail-
house," he said. "If everyone refused to pay the interest on their
mortgages, the courts would become so backlogged on their cases that
the government would be forced to intervene. "We're going to clog the
courts," he said. He said that if he was elected, he would personally
take every mortgage foreclosure in his riding to the Supreme Court.
"If I get in, I'm going to get the banks off your back," he said. "I
represent revolution." Mr. Turmel said government should be providing
interest-free credit. "Interest kills jobs," he said. "We should cut
the banks right off. There's no reason the government can't provide
banking services.

              CANADA SUPREME COURT INTEREST REPUDIATION
19820621Mo
@TITLE = Supreme Court of Canada #2
@COURT = SUPREME COURT OF CANADA
@STYLE = Bank of Nova Scotia VS Ray Turmel
@JUDGES = Justices Laskin, Estey, Lamer
APPELLANT'S MEMORANDUM
----------------------
Facts:
Definitions:
MORT GAGE : Death gamble
INTEREST RATE: Death rate on death gamble
INTEREST: Genocide of the poor: USURY
This is an appeal from the March 16, 1982 decision of Justices Brooke,
Thorson and Robins of the Ontario Court of Appeal dismissing the
appeal against the Aug. 27, 1981 decision of Judge C. Doyle of the
Ontario County Court at Ottawa.
In his Affidavit of Merits, the Defendant accepted the responsibility
for the principal, the social credit portion of the debt, but
repudiated the interest, the anti-social credit portion of the debt on
the grounds that it is a violation of Natural Law to attempt to repay
both the principal and the interest when the banking system only
created and issued the principal and that such a demand is in
violation of the Canadian Criminal Code thus making the contract null
and void.
Judge Doyle ruled that a contract is a contract and enforced the
Interest Act inflicting on the Defendant an unusually high 20% more
usury on the judgment.
At the March 16, 1982 hearing of the appeal, the court would not allow
that this very technical presentation be made by the Appellant's
engineer and big brother and insisted that the Appellant present it
with only 15 minutes to prepare.
Though the court stated that the case book had been read, when the
Appellant claimed the right to repudiate the interest on the basis of
the Criminal Code, the court asked "What has the Criminal Code got to
do with this?" As had been explained ten times in the case book, once
even in the Bank's Statement, the Appellant claimed the Criminal Code
Aces in the the gage (gamble) portion of the mortgage (death-gamble)
is in violation of section 179.1.b.iii of the gaming house laws in
that it is a "fee for the privilege of participation in the gamble"
and that the mort (death) portion of the mortgage (death-gamble) is in
violation  of Section 281.1.2.b of the genocide laws in that it
"inflicts on the group conditions of life calculated to bring about
its physical destruction." The court immediately ruled that the
Criminal Code did not apply.
When it was explained how Justice Zuber had overruled the Bank's
objection purely on the merit of the Criminal Code question and had
allowed the question to be put to the whole court, the court asked
"What has Justice Zuber got to do with this?" Evidently the court had
failed to note the three times Justice Zuber had been mentioned in the
case book, nor had they noted the irregularity of the Appellant's
Affidavit of Merit having been accepted as his Appellant's Statement.
The court again ruled that the question of Criminal Code violations
had "absolutely no merit."
When the Appellant claimed the supremacy of the Bible Wildcard
Nehemiah 5:10 which states "Let the exacting of interest stop" over
the Interest Act which states "anyone may exact interest," the court
ruled that the Bible did not apply.
When the Appellant claimed the supremacy of Science in that it is a
violation of Natural Law to attempt to do something that is physically
impossible to do, the court asked "What do you mean by physically
impossible?" Evidently the court had again failed to notice the seven
times it had been mentioned in the case hook that it is physically
impossible to repay both the principal and the interest when borrowers
were only given the principal, resulting in the death of life support
systems. Denying the life and death import inherent and implicit in
the mortgage death-gamble, the appeal was dismissed
POINTS OF OBJECTION:
1) The Court erred in denying the supremacy of God's Natural and
Divine Laws as guaranteed in the preamble to the Charter of Rights;
2) The Court erred in denying the supremacy of the Criminal Code and
in inflicting on the Appellant even more usury, the Court has violated
his right to life as right not to be deprived thereof as guaranteed in
section 7 of the Charter and has also violated his right not to be
subjected to cruel and unusual punishment as guaranteed by section 12
of the Charter:
3) In denying the Appellant's wish to have his very technical vase
expressed in the most technically competent way, the Court has
violated his freedom of expression as guaranteed by section 2 of the
Charter and in denying the life and death import of the matter after
having retained so few salient facts after their first reading and in
the face of incontrovertible scientific proof, it is submitted that
their decision was "per incuriam" in that things that ought to have
been considered were not.
ARGUMENTS:
1) Supremacy of God's Natural and Divine Laws:
Blackstone on Jurisprudence says "Upon the law of nature and the law
of revelation depend all human laws; that is,  no human laws should be
suffered as to contradict these... This law of nature, dictated by God
himself, is of course superior in obligation to any other. It is
binding over all the globe, in all countries and at all times; no
human laws are of any validity if contrary to this; and such of them
as are valid derive all their force and all their authority from this
original."
Mr. Justice Coleridge remarks that he understand the author to mean by
this that a human law against the law of nature has no binding force
on the conscience and that if a man submits to the penalty of
disobedience, he stands acquitted; the burden of proof and the moral
responsibility in case of error lies on him who disobeys; that is, on
him who sets up his own understanding of the divine law as a ground in
conscience for refusing to submit to the lawfully constituted
legislature of the country."
The Appellant submits that the lawfully constituted legislature of
Canada should be disobeyed on the grounds that the Interest Act kills.
In a world still afflicted by starvation, putting even one farmer out
of production results in even more starving children in the global
village.
The economic death over one cycle has been measured with algebra in
the theory of games to be U=i/1+i where "i" is the interest rate.
Producers must gamble by borrowing newly created credit into
circulation to pay for the costs of production and trying to repay
both the principal and the interest by inflation their prices to
recuperate both. Since only thee principal was created and put into
circulation, there are always more prices on the store shelves than
there is money in our wallets so a minimum number of producers will
not sell their goods and will fail and be put out of production.
Keynes likened the mortgage death-gamble of trying to survive with
insufficient money to the musical chairs death-gamble of trying to
survive with insufficient chairs. Just as all know that when the music
ends, some do not come up with a chair, so too, all know that some do
not come up with both the principal and the interest and are knocked
out of the game by foreclosure. Just as musical chairs is a death-
gamble, so too, the mortgage is a death-gamble which results in the
genocide of the poor by the destruction of life support systems.
The amount of death can now be determined:
Interest rate:           i         .1        .2        .3        .4
Production Costs:        1          1         1         1         1
Production Prices:      1+i        1.1       1.2       1.3       1.4
Purchasable  COSTS    P = 1       .909      .833      .769      .714
portion (P): PRICES      1+i
Unpurchasable INTEREST U=  i      .091      .166      .231      .286
Portion: (U)   PRICES     1+i
For U = 0, Let i = 0.
U, the ratio of producers who fail             (HAVE TO CHECK
have their collateral confiscated by            THE BANKMATH.ASC
the banking system resulting in the             FOR EXPLANATION)
inflation Shift B, the same money chasing
less goods, not more money chasing the
same goods as is not expounded by the
orthodox economic establishment.
They state that inflation is the inverse function of the interest rate
and that raising the interest rate will will decrease the inflation
rate. Our physical senses tell us that in order to survive, when the
rate rises, producers must pass that increase along to the consumer.
Now the equation proves that our physical senses are correct and that
inflation is actually the direct function of the interest rate and
that increasing the interest rate will actually increase the inflation
rate. Battling inflation with interest is like battling a fire with
gasoline. The statement that interest fights inflation is a Big Lie.
Everyone sees that when the interest rate is increased, a boss has
less money with which to pay employees and most fire. When the
interest rate is decreased, a boss has more money with which to pay
employees and can hire.
Wa can now look at the equation for the amount of death generated by
the death-gamble, not over one cycle with algebra but over time with
exponential functions.
We know that the rate of increase
of the bank balance is directly
equal to the present state of the
balance times the interest rate.
This differential equation tells us
how the banking system affects our bank balance is dB/dt = iB.
The Laplace transform of the balance B is L{B} = 1/(s-i).
Taking the inverse Laplace transform in order
to obtain the solution to the differential
equation, we find that InverseL{1/(s--i)} = exp(it) where t = time.
With the Laplace transform, it is now possible to electrically model
the banking system. In electrical engineering analysis of feedback
systems, the Laplace transformation is used to perfectly describe the
complex functions that alter inputs into outputs. Functions of actual
output can be fed back to control future responses of the system.
Using simple algebraic manipulation, more complex feedback systems can
be reduced to a simpler form by the following formula:
CONTROL SYSTEM DERIVATION
We can now draw the electrical blueprint of the usury banking system.
CONTROL SYSTEM
It is easy to see from the blueprint that added to the input is the
interest which can be positive or negative depending on whether the
previous balance was positive or negative. This net amount is added to
the previous balance to produce the new balance.
Any electrical engineering student could show that such a positive
feedback system is unstable and the root of all our economic bad
vibrations. He could also attest that the solution to eliminate the
bad vibrations is as simple to implement as pulling the interest plug
in the bank's computers and using only the interior circuit.
The circuit can demonstrate that the compounding of interest means
simply dividing the rate by the number of cycles(n) and going through
(n) cycles. As the number of compounds per year approaches infinity,
the size of the balance hits a finite limit.
Consider that as the interest gets compounded faster and faster, the
size of the balance nears more and more the value of exp(it) for t=1.
Consider that with  interest compounded even daily, the actual value
of the balance comes to within one one-thousandth of a percent of the
value of exp(it) for i=.1 (10%)
ERROR = exp(it) - (1+(.1/365))**365  = 1.1051709-1.1051558  = .0000137
       ------------------------------   ------------------
            exp(it)                          1.1051709
We can now state that our debts grow as an exponential function of
time. exp(it) is a non-linear function, crooked.

Fig. 2
BALANCE
 8|         +1*exp(it)    $
  |                      $
 6|                    $
  |                  $
 4|               $
  |           $
 2|       $
  $------------------------------
  0-------1-------2-------3-> Time
 -$------------------------------
-2|      -$
  |          -$
-4|              -$
  |                 -$
-6|                   -$
  |                     -$
-8|       -1*exp(it)     -$

Consider that if two men are in a car accident and one owes the other
money, only when there is no interest in the relationship does the
debt stay friendly, social and Christian. (Fig.2) The moment the debt
is filtered through the usury banking system's filter (1/(s-i)), the
balances start to grow with time and double in time T, then again in
time and again and again.
Now that we know how prices grow as a function of both interest and
time, the equation for the death generated by the mortgage death-
gamble can be determined with similar analysis to that used to derive
the algebraic equation:
Interest rate:           i         .1        .2        .3        .4
Production Costs:        1          1         1         1         1
Production Prices:     exp(it)     1.10517   1.22140   1.34986  1.4918
Purchasable  COSTS    P =_1_      .90483    .81873    .74082    .67032
portion (P): PRICES    exp(it)
Unpurchasable INTEREST U=  i      .09517    .18127    .25918    .32968
Portion: (U)   PRICES   exp(it)
For U = 0, Let i = 0 or Let t = 0.
The equation for the death of life support systems, U=1-exp(-it),
shows that the software solution "Let i=0 or Let the time of
transaction be instantaneous by the use of 100% electronic money
transfers" is computerized, electronic, speedy credit.

Starving children: 46,000/day

Deaths due to Usury
     |
     |
46000x---------x-------------------------------x
40000|   x         x                               x
     |       x         x                               x
30000|          x         x                               x
     |            x         x                               x
20000|     X        x    K    x             A                 x
     |    slab       x  slab   x           slab                x
10000|                x         x                               x
     |                x         x                               x
-----^---------^------x---------x--------------^----------------x--->
     t=now     t=soon                          t=finally     TIME(t)

Unfortunately, only the software solution can be implemented now.
Being  generous in assuming that the rate of children perishing due to
starvation on the planet will remain constant given the recent flurry
of foreclosures on farm production, Fig. 3 shows the death curve.
Since this software change in the computer's programming is quite
instantaneous, if it were to be ordered at time t(now) and the bank`s
computers immediately restricted to a pure service charge, all those
industries that have recently died will be resurrected by an infusion
of interest-free credit that will allow them to start rehiring as fast
as they start writing new paychecks that need only be exchanged for
work as collateral. This will generate the greatest industrial boom
imaginable. The increase in production would cause the slope of the
death curve to change downwards until the eventual eradication of
starvation due to the maximization of our industrial capacity. Area X
under the death curve represents the number who will perish even if we
flip the economic engine to full power at time t(now) because we won't
be able to get to them in time.
Delaying the switch to full power till time t(soon) delays the fall of
the curve causing the area under it to increase by a statistically
measurable amount K. Fortunately, the curve must come down at time
t(finally) when the hardware solution is finally implemented by
cashless money transfers.
The hardware solution nullifies the gage (gamble) portion of the
mortgage death-gamble in making the communications so good as to
guarantee sure gambles! Today entrepreneurs gamble on their wares
being sold and the weakest are put out of production. Inflation
through confiscation now occurs. This cannot occur in the electronic
medium available in our near future. For instance:
Today, a man with very bad taste may gamble on producing two-tone lime
and pink wing-tip shoes. He borrows and pays to produce them but finds
that his shoes don't sell and that his principal gets used to pay the
interest of the survivors. In the electronic medium of the future,
that same man with the very bad taste would put his suggested product
out over the wire: "does anyone want me to make them two-tone lime and
pink wing-tip shoes?" and when no one answers, he need not take the
losing mortgage death-gamble. If, of course, after some counselling,
he offers: "Does anyone want me to make them some black and white
wing-tip shoes?" it is possible that there could be a great demand
from the nostalgic older generation and on discussion of a price, the
credit would be immediately available on a sure gamble.
When communications become that fast, the slope of the death curve
will change downward until the certain elimination of starvation,
since food production will become a sure thing. The total area under
the curve represents the maximum number of souls who will perish even
if the software solution is never implemented. Though the curve must
eventually come down by the electronic revolution, hastening the
change of slope to time t(now) causes the area under the curve to
decrease saving a statistically measurable slab of humanity A. For
anyone with the power to hasten or delay the software solution,
realize upon reading this that this is your Judgment Day in that there
is now a slab out there with your name on it that is growing and
whether it is a death(K) or a life(A) slab depends purely on your
decision right now.
It is undeniable that the function that decreases food production is
the function that kills. St. Thomas Aquinas stated in Summa Theologica
that "any unjust and unreasonable law and one which is repugnant to
the law of nature, is not the law but a perversion of the law."
Justice Coleridge added "It appears to me however, that, in such a
case, the subject or citizen has only one of two alternatives:
revolution -- an appeal to the ultimate power which exists in every
society, after he has tried all the ordinary forms of the constitution
to obtain a repeal of the obnoxious law, -- or removal to another
country."
The Appellant, knowing that there is nowhere to go that is not
afflicted by usury on the planet, has therefore decided to use the
multi-varied forms of constitutional revolution available.
The Appellant has followed the precedent of the servant in the parable
of the talents in Matthew 25:15. Just the the Bank of Nova Scotia
loaned money to the Appellant, so too, the master entrusted 5 talents
of gold to the first servant, 2 talents to the second servant and 1
talent to the third servant, each according to their ability. The
first two servants did trade with their money but the third buried his
money.
On the master's return, the first servant approached and stated
"Master, you gave me five talents of money and here is give more;" one
hundred percent. The master said "Well done, come in and I'll put you
in charge of many things."
The second servant approached and stated "Master, you gave me two
talents of money and her are two more;" one hundred percent. The
master said "Well done, come in and I'll put you in charge of many
things."
The third servant approached and stated "Master, I knew you are a hard
man, reaping where you do not sow and gathering where you do not
scatter seed, and so I was afraid to lose what was yours and so I
buried it. Here is what is yours." The master rebuked him "You knew I
was a hard man, reaping where I do not sow and gathering where I have
not scattered seed and so you should have put my money with the
bankers so that I would get back what was mine with interest.  Take
what is his and give it to those who have and throw him into the alley
where men weep and gnash their teeth because TO EVERYONE WHO HAS
ABUNDANCE WILL MORE BE GIVEN BUT FROM HIM WHO HAS NO ABUNDANCE, EVEN
WHAT HE HAS WILL BE TAKEN AWAY." The rich will get richer and the poor
will get poorer when the Interest Act is enforced!
Similarly, the Appellant accepted the responsibility for the principal
but repudiated the interest and similarly, the Interest Act has been
enforced. To understand the parable of the Servant's and the
Appellant's repudiation, three questions must be answered:
1) Where did the other two servants get the extra gold?
2) Who are the men in the alley weeping and gnashing their teeth?
3) Why did the servant prefer being thrown into the alley when he
could have put the money with the bankers and collected his interest?
Surely the Servant had noticed, as has the Appellant, that everybody,
sandal-makers, food-growers, house-builders, chariot-makers, all had
to borrow the master's money at interest to pay the workers for their
work done until the work done could be sold and the money returned to
the banker. The demand for interest had a noticeable effect on the
industrial activity.
Consider the chariot industry. In the last production period, Ford
Chariots, Chrysler Chariots and Generals Mules each borrowed 10
million dinars from the master to pay for the production of their
chariots. 30 million dinars were spent into the economy in the
production of chariots but in order to repay to the master both the
principal and the interest, they each inflated their prices to 12
million dinars at 20%. Of course, with only 30 million dinars chasing
36 million dinars in prices, all the chariots could never be sold
making for hard times at settle-up time.
On the master's return, the president of General Mules approached and
stated "Master, you gave me 10 million dinars and here are 2 million
more." The master said "Well done, come in and I'll put you in charge
of many things."
The president of Ford Chariots approached and stated "Master, you gave
me 10 million dinars and here's 2 million more." The master said "Well
done, come in and I'll put you in charge of many things."
The president of Chrysler Chariots timidly approached and stated
"Master, we did our best but the economy chose their models over ours
and all we have is inventory. We can't pay." The master stated "I am a
ma "I am a master who reaps where he does not sow. You're going to
believe that I don't like men who don't pay me back what is mine with
interest. Take what is theirs and give it to those who have. Throw
them into the alley where men weep and gnash their teeth because TO
EVERYONE WHO HAS ABUNDANCE WILL MORE BE GIVEN BUT FROM HIM WHO HAS NO
ABUNDANCE, EVEN WHAT HE HAS WILL BE TAKEN AWAY." The Interest Act is
enforced.
Understanding that the men in the alley weeping and gnashing their
teeth are the unfortunates who are eternally knocked out of the
mortgage death-gamble and realizing that one's survival by paying the
interest is contingent on the economic death of another, the Servant's
and the Appellant's reasoning behind the repudiation of the interest
is to demonstrate the injustice and inhumanity of the Interest Act by
taking the consequences of having done the banker no harm.
We read in Nehemiah 5 how he delivered the people from the bondage of
their mortgage death-gambles. They were complaining that they had lost
their means of support, their vineyards, their houses and their
children to slavery. In those days, the bankers confiscated the
children with the houses. It was unfair. Nehemiah knew that the "love
of money is the root of all evil" and that the reason men love money
is that there is never enough for everyone to survive. The Bible
identified the wicked as "he who has seized houses he did not build"
and in Nehemiah's day as in our day, those who profit from the seizure
of houses they did not build are the bankers who inflict usury, the
elected officials who pass the laws allowing usury, and the Courts
that enforce the usury.
After careful study, he rebuked the nobles(bankers) and the
rulers(politicians and judges) stating "You are exacting interest! Let
the exacting of interest stop." They were a wise society and let the
exacting of interest stop. Their industrial capacity was maximized as
predicted by the mathematics and they stunned the world at how quickly
they rebuilt the walls of Jerusalem.
In seeking similar wisdom through our society's courts, the Appellant
has but echoed the sentiments of the Servant: "Banker, I know you are
a hard man who reaps where he does not sow and I won't lose what is
yours like the men at Chrysler. Here is what is yours."
The Appellant submits that just as the Servant stands acquitted of
having done his master no harm, so too, the Appellant stands acquitted
of having done his banker no harm. Given the virtual plethora of
challenges now available through the rights that are guaranteed in the
Canadian Charter against the Interest Act, there should be no reason
for the Appellant to reach that final stage of physical revolution in
his effort to repeal the obnoxious law. The Appellant further submits
that the Biblical precedent for such rebellion against the Interest
Act was made by Jesus Christ himself in his assault on the money-
lenders in the temple. Careful scrutiny of his criminal record
indicates that he was not crucified for practicing medicine without a
licence but for common assault.
As a carpenter, his generation's version of an applied scientist, he
must have reasoned that since it is not possible to repay more gold
that there is, interest is a violation of Natural Law. Yet, Natural
Law and Divine Law stem from the same perfect source: GOD. Accepting
that transgression of Divine Law is Sin, he had to accept that
transgression of Natural Law is Sin and that just as the Sin of trying
to fly off a cliff with no wings was punished by broken bones, so too,
the Sin of trying to repay the usury was punished by death and/or
confiscation. He therefore gave us, through Paul, Cor II 8:14, the
golden economic rule: YOUR ABUNDANCE SHOULD AT THE PRESENT TIME BE A
SUPPLY FOR THEIR WANT SO THAT THEIR ABUNDANCE MAY LATER BE A SUPPLY
FOR YOUR WANT.
The wicked in his generation are still with us today. He knew his
enemy was the financial power structure and spoke in parables to
conceal the main thrust of his argument. "TO EVERYONE WHO HAS
ABUNDANCE WILL MORE BE GIVEN BUT FROM HIM WHO HAS NO ABUNDANCE, EVEN
WHAT HE HAS WILL BE TAKEN AWAY. That is why I speak to them in
parables; though seeing, they do not see; though hearing, they do not
hear or understand... For I tell you the truth, many prophets and
righteous men have longed to see what you see but did not see it, and
to hear what you hear but did not hear it.
Before his outright rebellion against the banks, he may have logically
tried all the available constitutional motions and run up against some
who "see but do not see and hear but do not hear or understand." The
Appellant certainly did. The Appellant would therefore submit that
just as Christ stands acquitted of his rebellion, so too, the
Appellant would stand acquitted if forced into outright rebellion
after failure of constitutional means.
Or course, within days, the premier warrior for abolition of the
mortgage death-gamble was sold out, tried and crucified. He was not a
revolutionary in an ordinary war. He died in the war to end all wars,
ARMAGEDDON, the primordial conflict between the Keepers and the
Abolitionists of the mortgage death-gamble.
Finally, the Appellant submits that the Court erred in denying the
supremacy of God's Natural and Divine Laws in enforcing the Interest
Act, such supremacy as guaranteed in the Canadian Charter of Rights'
preamble.

2) Supremacy of Canada's Criminal Code:
Since the Interest Act states "Anyone may exact interest except as
otherwise provided by any other Act of Parliament," the Court erred in
denying the supremacy of the Criminal Code as an other Act of
Parliament.
Since one of the statutes is the genocide law, the Court has violated
the Appellant's right to life as guaranteed by Section 7 of the
Charter in enforcing the Interest Act and has further violated the
Appellant's right not to be subjected to cruel and unusual punishment
as guaranteed by Section 12 of the Charter.
Consider that it is the only punishment inflicted on men that can be
directly influenced by the bankers. The interest rate attached to the
Appellant's judgment happened to be at the whim and discretion of the
banking system. Whatever rate the banking system orders, the judicial
system will pass it along. This allows the bankers to decide how much
of a losing death-gambler's collateral the banking will let him keep.
Since the bankers pick the rate at which the debt for the judgment
grows, they can effectively make the debt grow to whatever value they
choose enabling them to always get whatever share of the spoils that
they decide.
Consider that the interest inflicted on the Appellant is cruel because
the debt grew and the amount of money in the system to pay it back did
not. The Court only ordered that more money be returned and made no
provisions for a source of new money with which to pay the debt growth
it had mandated. Such a judgment is not only cruel but the 20% rate
inflicted was one of the highest rates in Canadian history and was
certainly unusual.
Given that the Interest Act violates both Natural Law and Divine Law
and that the Canadian Criminal Code is in accord with those Laws, the
Appellant submits that the Court erred in denying the supremacy of the
Criminal Code over the Interest Act.

3) Decision did not consider things that ought to have been: Given the
highly technical nature of the matter in the case book, the Appellant
submits that in denying his freedom to have his argument expressed by
his engineer, the Court has violated his right to express his defence
optimally. Given their lack of retention of the basic facts being
disputed after their first perusal, the Appellant submits that their
denial of the life and death import in the face of incontrovertible
proof of the death generated by usury is but proof that their decision
could not have been given the consideration that a life and death
issue is due. Scientific truth was fed into the legal system and came
back rejected. The legal system is flawed if one accepts that all
systems abide by the same Divine Laws. The magnitude of the disastrous
consequences of their error can be statistically measured.

DEATH RATE VS TIME PARALLELOGRAM
It can easily be shown that the area in the K slab of the Keepers of
the Interest Act is equal to the area covered during the delay.
Assuming a linear decay in the death rate, it can be shown with the
parallelogram theorem using the slice of both areas, that if the small
parallelogram to the right is squared off and added to the other end,
the areas can be shown to be equal.

DEATH RATE VS TIME CURVED
A                                                 B
\--------------------------------------------------\
| \                                                | \
|   \                                              |   \
|     \                                            |     \
|       \                                          |       \
|         \                                        |         \
|           \                                      |           \
|             \                                    |             \
|---------------|--------------------------------------------------\
D               F                                  C               E

The same reasoning can be used to state that the area representing the
number of souls to be lost due to the extra delay is equal to the
number of souls who perish during the delay. In other words, just as
the area ABEF of the parallelogram is equal to the area ABCD of the
rectangle, so too, the area of the K slab ABKL is equal to the area
ABCD of the rectangle.
Using the UNICEF estimate of the number of children who perished in
the global village in 1981, 17,000,000, we can now accurately scale
the death curve to get a good idea of the stakes we are gambling. The
daily death rate of children in 1981 was therefore 46,000 per day.

Deaths due to
     |
     |
46000|--------------x---x------------------x---x
40000|          |       x   x                  x   x
     |   17     |           x   x                  x   x
30000| million  |              x   x                  x   x
     | needless |                x   x                  x   x
20000|  dead    |                  x A x                  x A x
     | children |                   x   x                  x   x
10000| in 1981  |                    x   x                  x   x
     |          |                    x   x                  x   x
-----|--------------^---^------------x---x-^---^------------x---x-->
           1982 Mar 15 16              Jun 7   21             TIME(t)

DEATH RATE WITH DIFFERENT SLABS
The area between the date of the Court of Appeal hearing on March 16,
1982, and the date of this hearing on June 21, 1982, represents the
number of children who will perish as a direct result of the Court's
failure to comprehend the seriousness of the matter. The number who
will perish as a result of their 97 day delay is equal to the number
who perished during the delay. 46,000 dead children per day times 97
days equals 4,462,000 children who will not live who should have.
Nothing can be done to undo that fact though the magnitude of their
error can be held to a minimum by the immediate solution.
It was to stress the importance of hastening the software solution by
even one day that I sought an Order of Mandamus that the Crown enforce
the Criminal Code Sections against Gerald Bouey one day before this
appeal was to be heard on the morrow in full court. At that hearing, I
explained that given the money system is now 90% electronic and
vulnerable at its central computer to instantaneous correction, I
likened our problem to that of the astronaut attempting to pull the
plug on the killer computer in the movie "2001 A SPACE ODYSSEY." I
stated "Here we sit in front of the killer computer's plug. I'm a
scientist and I say pull the plug and our mortgage death-gamble will
be over."
It is simple to prove that since the Canadian banking system is
international, if and when it changes to a pure service charge, the
usury banking system will collapse globally. It was to try and save
one day's worth of children, 46,000 souls, that I asked for the
electronic solution one day earlier.
Justice Blair had wanted to put off his decision until the ruling on
the morrow but the Crown objected. Justice Blair decided that he would
not extend time on the matter and dismissed the motion without costs.
Leave to appeal was sought at the Supreme Court of Canada on June 7,
1982.
In denying the life and death import, the Appellant submits that the
Court of Appeal could not possibly have given the matter the serious
consideration it was due and that their decision was per incuriam.
The Appellant submits that on all those grounds, the Court of Appeal
has erred and prays for three wise men to deliver him from the evil of
interest, Amen.

ORDER SOUGHT
The Appellant seeks an Order allowing the repudiation of the interest
portion of the bank debt on the grounds that the interest charge
violates Natural, Biblical and Criminal Laws.
Date at Ottawa on June 7, 1982.
Engineer for the Appellant,
John C. Turmel, B. Eng.

19820622
@PAPER = CP, Gerard MacNeil
Gazette: Man vows to clog courts with foreclosure cases
Journal de Montreal: $45 to go to the Supreme Court

@NEWS = Ottawa -- Raymond Turmel of the fledgling Christian Credit
party of Canada said today he will clog the courts with foreclosure
cases unless something is done about interest rates. Turmel, 29, an
unemployed, had just argued  unsuccessfully in the Supreme Court of
Canada that it is a violation of natural law for the Bank of Nova
Scotia to charge him interest on a $900 promissory note. The Ottawa
resident said the Criminal Code's provisions against gambling are
paramount to the Interest Act's provisions allowing lenders to charge
borrowers interest rates. "You're way off base," Chief Justice Bora
Laskin told Turmel. "You may contract any rate of interest you agree
on." Turmel also argued that interest rates are causing the deaths of
thousands of infants because farmers are forced into bankruptcy by the
banks. "That's not relevant to this case," Laskin said. "46,000 deaths
isn't relevant?" Turmel asked.
@NEWS = Laskin and two other justices, Willard Estey and Antonnio
Lamer, who heard the Turmel motion urged him to raise his point of law
if he had one. Turmel said the new charter of rights and freedoms
gives supremacy to "the law of God" then began quoting Biblical
passages relevant to interest rates. "Well, I figured that one of
these days, it (the charter) would come up this way" Laskin said
wearily. A smile crossed the faces of the black-robed lawyers waiting
their turn with other motions. The hearing lasted about 15 minutes
before Laskin dismissed the motion. But outside the court, Turmel said
the Supreme Court would soon be inundated with such cases. "There are
200,000 foreclosures a year in Canada and County Court judges rubber-
stamp them," he said. "We have prepared a "how-to-stiff-the-banks kit"
that will allow anyone to bring their case to the Supreme Court of
Canada. It only costs $45 to go from County Court to the provincial
appeal court to the Supreme Court of Canada. When the Supreme Court
has to foreclose on every case in the country, maybe things will
change.
@NEWS = Turmel's brother, John, who was in the Supreme Court a few
weeks ago with a similar case against interest rates, said the
Christian Credit Party kit was used last week by Owen Sound beef
farmer to stave off foreclosure. Other farmers in Owen Sound also
intended to use it, John said. "No more farmers are going broke,"
Turmel added. "They're all coming here. We'll represent them. My
life's ambition is to shut down the courts. They are the enforcers of
the Interest Act."
@NEWS = Turmel will run in Leeds-Grenville under the Christian Credit
banner in a federal by-election that has yet to be called.

        CANADA SUPREME COURT INJUNCTION AGAINST BANK OF CANADA
19821101Mo
@TITLE = SCC3 BOUEY BEETZ, CHOUINARD, LAMER MARCEAU
@COURT = SUPREME COURT OF CANADA
@STYLE = John Turmel VS Gerald Bouey
@JUDGES = Justices Beetz, Chouinard, Lamer
@MINE = APPELLANT'S MEMORANDUM
@MINE = FACTS:
@MINE = This is an appeal from the Sept. 10, 1982 decision of Justices
Pratte, Ryan and Kerr of the Federal Court of Appeal dismissing the
appeal against the Feb. 26, 1981 decision of Justice Marceau
dismissing my motion for an Order that "the Bank of Canada cease and
desist the genocidal banking practice of interest and switch to a pure
service charge" on the grounds that it was for an Order "that is
clearly beyond the powers of the Court; it is frivolous, vexatious and
constitutes an abuse of the process of the court."
@MINE = In the appeal, using high-powered technical analyses, it was
explained in several different mathematical languages that when the
Courts enforce the Interest Act and foreclose on farmers, they reduce
the global level of food supplies. In a world still afflicted with
starvation, such foreclosures generate genocide by starvation. Though
confronted with detailed scientific proof that interest kills, in
violation of Natural, Biblical and Criminal laws, after several
seconds of deliberation, the Court of Appeal dismissed the appeal
without reasons, costs payable to Gerald Bouey.
@MINE = POINT OF OBJECTION:
@MINE = To disagree with scientific truth, as the Court of Appeal has
done, is to err.
@MINE = ARGUMENTS:
@MINE = The fundamental issue at question is whether God's Laws of
Science and Revelation, which apply everywhere else in the universe,
may be ignored by a Court of law. I submit that these laws do apply at
all times, in all places, including our courts.
@MINE = I also submit that in dismissing such serious technical
allegations so quickly, the Appeal Court has not accorded Science the
respect it deserves. Although highly advanced mathematical languages
were used and I do not expect the legal profession to possess such
scientific lucidity since most lawyers never get past high-school
mathematics. I do expect the Courts to demonstrate aptitude in
rudimentary grade-9 algebra. The higher analyses could have easily
been verified by any competent engineer or mathematician. Given the
life and death import of the usury question, I must further submit
that their decision was per incuriam in that things that ought to have
been considered could not have been considered.
@MINE = I finally submit that in dismissing the motion with no reasons
shows the impossibility of presenting logical arguments in impeachment
of scientific truth.
@MINE = ORDER SOUGHT:
@MINE = The Appellant seeks an order that the decision of the Court of
Appeal be overturned and that the Bank of Canada "cease and desist the
genocidal banking practice of interest and switch to a pure service
charge.
@MINE = John C. Turmel

19821102Tu
@PAPER = Ottawa Citizen
@REPORTER = CP
@HEADLINE = Supreme Court reserves decision in Turmel case
John Turmel's campaign against interest rates got a boost Monday as
the Supreme Court of Canada reserved decision on his motion for a full
hearing of his case against Bank of Canada governor Gerald Bouey.
Turmel has made numerous efforts in the last two years to challenge
the central bank's interest-rate policy, and in virtually every case,
judges have dismissed his arguments as frivolous. But the 31 year-old
self-styled "engineer" of the Christian Credit Party, arguing his own
case before a panel of three justices, may have scored points Monday
with a constitutional argument. He claimed that interest rates violate
the right to life guaranteed him by the Charter of Rights and
Freedoms. Turmel maintains that every time someone forecloses on a
farmer, infants die as a result. Most motions to go before the Supreme
Court are rejected after a brief hearing. The justices grant leave on
a handful of the 30 or so applications as an indication of the court's
interest in an argument. "We've finally got to first base," chortled a
Christian Credit supporter after Justices Jean Beetz, Julien Chouinard
and Antonio Lamer reserved decision after a 20 minute hearing. Their
decision on whether to hear the case will be announced later this
month. Turmel, aside from his interpretation of the Charter of Rights,
argued that laws allowing banks and other lenders to charge interest
violate Criminal Code provisions against genocide and gambling. He has
been assaulting interest rates on a number of legal fronts. For those
facing foreclosure, he has a court action kit he says can stave off
eviction for a year at a cost of about $45 to the user. "Get an extra
year rent free," he said of the scheme. Successful users so far
include Bela Devecseri, a Montreal homeowner who faced eviction in
September, and George Bothwell of Owen Sound, Ont., whose beef farm
was about to be taken over by the bank that held the mortgage, he
said.

Globe & Mail: COURT BOOSTS INTEREST CASE
Journal de Montreal: TURMEL IN A GOOD MOOD
Vancouver Province: BOUEY FOE REACHES FIRST BASE IN COURT
Charlottetown Guardian: GETS BOOST (small)
Edmonton Journal: INTEREST ARGUMENT INTERESTS JUDGES
Le Devoir: UN VIOL DE BANQUE (small)
Le Droit: THE TURMEL REQUEST RESERVED IN THE SUPREME COURT
Vancouver Sun: BOUEY FOE REACHES FIRST BASE IN COURT'
I did an interview with a radio station in Halifax.

19821124We
@PAPER = Ottawa Citizen
@REPORTER = Dennis Foley
@HEADLINE = Turmel loses another interest rate round
John Turmel's latest attempt to have Bank of Canada Governor replace
interest rates with a service charge was thrown out Tuesday by the
Supreme Court of Canada. Undaunted by his third straight loss in the
highest court in the land, Turmel said afterwards he was not giving up
the fight and was already planning a return engagement. The Court
refused Turmel leave to appeal lower court rulings dismissing his case
against interest rates, which he maintains are contrary to the
"natural, biblical and criminal laws." Turmel is a founder of the
Christian Credit party of Canada, an offshoot of the Social Credit
movement. The Christian Credit party opposes interest rates.
The Supreme Court heard his arguments Nov. 1 but reserved decision
until Tuesday, apparently caught by his argument that interest rates
violate fundamental freedoms guaranteed by the Charter. Turmel said
Mr. Justice Antonio Lamer alerted him to the fact he was chasing after
the wrong person in basing his case on Bouey. Lamer was intrigued by
his arguments, Turmel claims, but pointed out he was not properly
directing his challenge. "I'm going to ... go after the justice
minister and the finance minister. I'm going to force them to protect
us under the charter. I've learned a lot since I started this two
years ago and this time, I'm going to rigorously ensure that all steps
are properly followed. He is currently stickhandling four other
motions challenging the validity of interest rates before the Ontario
Supreme Court and three appeals before the Ontario Court of Appeal.
Turmel, a professional electrical engineer, is trying to become the
first accredited banking systems engineer, contends the economic
system does not have built-in allowances for interest charges. When
one person pays interest, someone else is the loser. The higher the
interest rate, the more bankruptcies, he said.

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