Since it is unfair to force the debtor to pay his debts in money which has increased in value and consequently which is harder to get than the money which he borrowed, and since it is unfair to force the creditor to receive payment for the debt in a money which has depreciated in value, many devices have been proposed to overcome the fluctuations in the value of money. One of these which has been widely discussed is the device of a multiple, or tabular, standard of money. The proponents of the multiple standard propose that an official index number of prices be provided, according to which debts shall be paid. If a man borrows a hundred dollars for five years and if money depreciates in the meantime, the debtor, it is proposed, shall pay back at the end of the five years, in addition to the interest agreed upon, not one hundred dollars, but a sum equal in value to the original one hundred dollars. On the other hand, if the value of the money is increased, a smaller number of dollars should cancel the debt.