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accommodation bills action arrangements bank Bank of England banker better bills brain buyer capital cash cent character commercial Croesus customers daily debentures debt discount dividend duty employer enable fail failure favourable free trade give gross profit happiness honour human important increase industry interest investment keep knowledge labour Learn to labour less liability live loss man's managers manufacturers matter means ment mind moral nation nature necessary necessity never paid perseverance position possible practice produce proper prudence punctual rate of profit require Robert Chambers rule seems sell seller Sheffield shilling society strength struggle succeed success sumers supply supply and demand tact teaching things Thomas à Kempis thou tion tradesmen truth uncon wages weak whilst wise