Let's assume that the Transportation Department of the City of West Blinsk runs a bus system. Let's say the fare is $1.00/$0.05, which is to say that you can board a bus for a buck, and for an additional mere nickel you can purchase a ticket (called a "transfer") that can be used in lieu of cash on a second bus ride on the same day. AUTHORITIES INCREASE TRANSFER FEE BY 100% Since I have an annoying tendency to express concepts using analogies, I would venture that "cash flow minimalism" is to "cash flow" as "microcapital" is to "commercial finance."