A bank note 1 comprises a first substrate 3 and a metal layer 5 mounted on the first substrate 3. The metal layer 5 consists of a precious metal, preferably gold, silver or platinum. The amount of precious metal in the metal layer 5 will determine the value of the bank note. In this way, the bank note will act as its own gold standard. The metal layer 5 may be a continuous layer or a mesh. The metal layer 5 may be sandwiched between two layers (3, 13, Fig.2). By having such a bank note, there will be less scope for financial mismanagement by Governments and there will be the possibility of a more stable, robust economy.
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