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<p>[QUOTE=&quot;BRandM, post: 1167345, member: 22729&quot;]No problem tim. The Hard times era, at least as far as token issues are concerned, generally includes those issued between the years 1832-1844. What&#039;s known as the Era of Hard Times actually started in 1837 as a result of a financial panic due to Andrew Jackson&#039;s &quot;war&quot; with the Second Bank of The United States. There were other causes as well, like rampant land speculation in the west and efforts to curb it, and so on, but the effect was to cause a run on the banks. People hoarded coins in circulation as a result which led to the private issuance of tokens for the purpose of making change for financial transactions. These are what we call Hard Times Tokens today. It was an interesting era in U.S. history, and makes for a challenging series to collect.</p><p>&nbsp;</p><p>Bruce[/QUOTE]</p><p><br /></p>

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