Cryptocurrencies, or virtual currencies, are digital means of exchange created and used by private individuals or groups. Because most cryptocurrencies arenât regulated by national governments, theyâre considered alternative currencies â mediums of financial exchange that exist outside the bounds of state monetary policy.
Downtown is a common noun. If a common noun is part of a name, itbecomes a proper noun. Proper nouns are the unique names of people,places, or things. Common nouns are the worâ¦ds for general things.Pronouns always replace proper and common nouns.
Lower Manhattan or downtown is defined most commonly as the area delineated on the north by 14th Street, on the west by the Hudson River, on the east by the East River, and on the south by New York Harbour. The lower Manhattan business district forms the core of the area below Chambers Street.