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Banks - the contract concluded in writing between the bank and the borrower. The Bank undertakes to provide a specified amount for a specific purpose and time and the borrower agree to use the loan in accordance with its purpose, and the amount of pay taken together with due consideration in the form of bank commission and interest. Based on this definition of credit is seen as a specific type of obligations whose distinguishing features are: agility, timeliness and interest.

Methods of accounting for credit:

* Formal and legal recognition of credit

according to him, the essence of credit is to use free cash flow in time, rather than creating new ones. The Bank has here the role of intermediary in the transfer of needy persons temporarily held there by another person, cash. As a result of this operation, a claim in the lender, and proportionate in amount in the borrower’s obligation,

* Credit economic inclusion;

understood by such recognition, the bank allows for the expenditure of funds in excess of the currently available size of the borrower of funds, creating new income and resources made available to them while the borrower under the terms of the contract.

The standard credit agreement include:

* The date and place of conclusion of contract
* Details of the contracting parties
* General Provisions
* The amount of currency and credit
* The conditions to start
* The purpose of credit
* Terms and the term loan repayment
* The amount of commission
* The amount of interest
* Method of securing credit
* The terms of the bank
* The timing and way to bring the amount of available credit
* Information about the changes and cancellation of the contract by the bank and the borrower
* Information about the consequences of breach of contract and other arrangements the parties.

Party dominant in relation to the borrower’s credit is a bank, which sets out the conditions of the loan and is entitled to control its use and makes a loan from the credit-worthiness, but is not obliged to grant a loan, even if the person applying for any loan. Credit is only in the form of non-cash, in the form of record on the account.

The right to grant loans only to banks and funds for this purpose are derived from deposits of the bank by its customers, so credit agreement is governed by banking law.

Depending on the period of credit There are short-term loans (up to 1 year), medium term (from 1 year to 3 years) and long-term (over 3 years).

Casino - the building designed to the legal practice of gambling. Typically, the game takes place on special chips that player must purchase at the entrance. Any win is also żetonach that at the end refers to the handling of the casino money.

The largest casino located in Monte Carlo, Las Vegas and Atlantic City. Some casinos are also social functions of the premises, such as admission can only be dressed in evening.

The most popular games include roulette, poker, Baccarat, Blackjack.

History [edit]

Roulette invented in 1645 the French scientist Blaise Pascal based his account, the mathematical probability of interest [source needed].

In 1842 Louis Blanc - French historian and policies together with his brother Francis tirelessly 0 Roulette Pascal to increase the chances of winning the house (casino). Also founded the first casino in Monaco. Since then, some people call the queen of roulette casinos.

Roulette then brought to the U.S.. By faster casinos Serious thought has to be rich 00. To date, such as playing roulette in the U.S., but most of the territory is banned.

The game [edit]

A series of games. After obstawieniu table by the players, the dealer driven rotary wheel rulety, and in the opposite direction throws ball, and after several revolutions of the ball enters the designated number. Number is not known playing until the ball stops on it. Then, accounting is carried out. Those who were lucky to put his chips on the selected issue, taking the win. Science, which deals with certain aspects of the random phenomenon is probabilistyka. To make the game European and American casinos allow players to stop betting on the numbers of balls dealer. They must, however, caught the notice of his words, no more bets - (end of betting) or its equivalent in the regional language. This is a rule when the ball loses its initial momentum, usually on the track 3 laps before the time when the fall begins in the direction of the wheels kręcącego.

Casino ironically called the house (the house in English) is a theory, 2.7% in Europe where a single 0, and 5.26% in the U.S. where they are double-0 and 00.

There are 37 or 38 numbers. Bet on any combination of putting on the table roulette chips on them. Depending on the plant makes casino winnings or collect plant.

Payout depends on the type of plant.

* Straight Up, a single number - 35:1
* Split Bet, two numbers - 17:1
* Street Bet, the three numbers - 11:1
* Corner Bet, four numbers - 8:1
* Five Bet, the first five numbers (0,00,1,2,3) - 6:1
* Six Line Bet, line - 5:1
* Beth Column, Column - 2:1
* Dozen Bet, dozen: 1 - 12, 13 - 24, 25 - 36 - 2:1
* Even, Odd, even, odd - 1:1
* 1st 18, 2nd 18, numbers 1 - 18 and 19 - 36 - 1:1
* Red, Black - red, black - 1:1

Establishments 1st 18 / 2nd 18, even / odd, black / red are collectively referred to as opportunities or simple external sites.

A specific number on the table to rulety is 0.

If there was betting on the 0 or the combination (split, corner, street) it is payed in the same way as in the case of Bet any other number.

In the case of Bet opportunities where falls straight loses half the rate of 0.

In the case of Bet dozens or columns where 0 falls bets lose.