I need a new word for certificates of debt or IOUs. Arrogating CD for certificate of deposit was clever. Many people are averse to debt, so it is best not to talk about it. It used to be that “money” was tabu. But, that word has now been rehabilitated, in part because the word says nothing about the nature of what it references. A quantified debt. How can that be characterized to convey both the relationship and its dimension?