Susan Witt is an unassuming middle-aged woman who drives a Volvo around her quaint Rockwell-esque town and has somehow managed to foment a small revolution.
After years of planning, Witt started printing her own money and spending it around town.
She is not a counterfeiter. She is the founder of Berkshares, a local currency that was introduced last fall in Southern Berkshire, Mass. (where Normal Rockwell lived out his later years).
"The Berkshares are pretty simple to operate," she said. "You walk into a local bank, put down $90 federal and get 100 Berkshares, and then those Berkshares are spent at full value at regional stores."
$835,000-worth of notes were printed on fine-grain paper and distributed to banks that agreed to participate. The notes are now accepted at 225 businesses in the area, and the program continues to grow.
Berkshares were created to stimulate the local economy by giving people incentive to shop in their own neighborhood, rather than drive the distance to large chain stores.
"We want to encourage everybody to do their business locally rather than going to a mall or shopping online," said Sharon Palma, executive director of the Southern Berkshire Chamber of Commerce. "Using Berkshares, you have to do business locally, and the other really nice piece of that is it's face-to-face business."
Several communities across the U.S., Canada and Europe have developed similar programs, but only Berkshares are fully-backed by the U.S. dollar. Several banks in Southern Berkshire have agreed to exchange Berkshares for dollars.
Ursula Cliff was spotted using Berkshares at Guido's grocery store, a 27-year-old family business in the town of Great Barrington.
"I don't think that whether or not a merchant accepts Berkshares really affects my decision if it's something I really want to buy," she said. "On the other hand, almost everywhere I go the stores use Berkshares, and I do certainly have a warmer feeling for them when they do that."
It is that warm, fuzzy feeling that makes a regional currency scheme operable.
Witt, who spent years dreaming up a local currency project, said it "takes a local population that understands and is committed to supporting the buildup of their own regional economies."
That is certainly the case in this picture-perfect town with its Main Street lined with mom-and-pop shops. It's the type of community where people seek out locally-produced food, and where buying into a program such as Berkshares is, in itself, a sort of social currency.
Some business owners have reported an increase in foot traffic and customer loyalty. Because the Berkshares users get a 10 percent discount at the point of exchange, merchants say customers have incentive to use them.
Steve Carlotta, the owner of Snap Shop, a photo store said, "We find that there are some people doing business with us at this point who are very, very loyal customers because we accept Berkshares … without any restrictions."
But the system is far from perfect. The discount may be difficult for businesses that have thin profit margins, such as Guido's, to absorb in the long term.
Witt said the Berkshares board will re-evaluate the program down the line and make necessary adjustments.
The individuals behind Berkshares have even higher hopes for the project. The next step is developing Berkshares into an electronic debit-card system, to replace or supplement the cash notes.