You can also create discount vouchers, either with a set amount of money off, or a percentage discount.

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So presumably, if the deal is allowed to proceed, the ECB will ensure that all the risk actually remains with Bankia and the Spanish government - and therefore with Spanish taxpayers - by imposing a massive discount (or haircut) on the amount of cash it would exchange for the bonds.

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And some Democrats say seniors can already take advantage of discount cards, and that these cards really only amount to a small amount of savings.

CNN: Kelly Wallace is a CNN White House correspondent.