The first people to grow cacao trees were the Maya, one of the oldest civilisations on the American continent. They used the cocoa beans as a barter currency to exchange for food or clothes, as well as for preparing a bitter drink, known as Xocoatl, which was nothing like the hot chocolate that we drink today.
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A person uses a bank loan to start and expand a restaurant business is a case in which the use of<span>credit positively affects the U.S. economy</span>
