This document constitutes a response to a Consultation Paper published by the Bank of England and HM Treasury, "The digital pound: a new form of money for households and businesses?", the latest document in a series that includes "Central Bank Digital Currency: opportunities, challenges and design" in 2020 and "New forms of digital money" in 2021. The Consultation Paper concerns the adoption of central bank digital currency (CBDC) for retail use in the United Kingdom by the Bank of England. We shall address the consultation questions directly in the third section of this document.

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