Value of money can uctuate & can have big effect on country and ppl. Money: any object generally accepted by ppl as payment for goods & services. (has to have portability, divisibility, durability, stability) Medium of exchange; we use money to buy and sell things. Store of value; money can be used for future purchases. Unit of account; lets us measure the relative values of goods and services. Credit cards are money substitute; they serve as a temporary medium of xchange but are not a store of value. They"re convenient and extremely pro table (from annual fees/interest and fees from merchants that accept credit card) Many forms of money depend on existence of nancial institutions to provide services to business and individuals. There are a variety of nancial intermediaries in canada, vary in size, importance and types of sources they appeal to.