Question: Mutualism is an economic theory and anarchist school of thought that advocates a society where each person might possess a means of production, either individually or in purely ? collectives, with trade representing equivalent amounts of labor in the free market, integral to the scheme is the establishment of a mutual-credit bank, is a financial institution chartered by a central or regional government, without capital stock, that is owned by its members who subscribe to a common fund? 
Sentence (from "Physical capital"): "Physical" is used to distinguish physical capital from human capital (a result of investment in the human agent), circulating capital, and financial capital.
Relevant evidence: No