Adam Montana – Dinar Guru We can certainly have an RV without the HCL, but doesn’t it make sense that a written agreement that guarantees a portion of the spoils to a major part of the Iraqi (bicracky) population would grease the wheels? I think so. …Over the years, I’ve given more than a few deeper looks into my reasonings for the importance of the HCL but I hope I’ve also expressed that it’s not a “requirement”. The Iraqi dinar will increase in value with or without an official HCL. Personally I think the rate will be stronger with the HCL. Also personally, I’d be happy with a lower rate without an official HCL. [post 2 of 2]