ΤΟ THOMAS CARLYLE, THOUGH NOT FREE FROM ERROR, A GREAT TEACHER OF GREAT TRUTHS, This Work IS INSCRIBED. A simple Book-transfer effects Payment Bank Loans an addition to the Aggregate of Money Bankers an essential Part of our Money System Bank Credit fluctuates from Confidence and Distrust Confidence depends on Regularity of Commerce Regularity depends on correct Anticipation of Supply and Consumptive The first Saving in a Currency was Money Capital . A Saving in a Currency differs from a Saving made in Commodities |