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Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network;