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Duncan Coulter
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Dear Internet: Here is a free idea (if it already exists let me know in the comments below). Like many new ideas it is in fact an old idea in the same way that tweets are just crippled status updates.

So here it is... I call it ChipIn and it allows groups of people to collectively make a single purchase without having to nominate a single person to play the role of bank / procurer. This is essentialy a crippled version of Kickstarter.

I am not going to do this. Someone else can. It may already be done.
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