Consider, for a moment, these precious economical organs and their
mode of operation. In any tolerably civilized community that has
lasted for any length of time, they consist, first in rank, of those
who possess wealth arising from the accumulation of old and recent
savings, that is to say, those who possess any sort of security, large
or small, in money, in notes, or in kind, whatever its form, whether
in lands, buildings or factories, in canals, shipping or machinery, in
cattle or tools, as well as in every species of merchandise or
produce. - And see what use they make of these: each person,
reserving what he needs for daily consumption, devotes his available
surplus to some enterprise, the capitalist his ready money, the real-
estate owner his land and tenements, the farmer his cattle, seed and
farming implements, the manufacturer his mills and raw material, the
common-carrier his vessels, vehicles and horses, the trader his
warehouses and stock of goods for the year, and the retailer his shop
and supplies for a fortnight. To which everybody, the agriculturist,
merchant and manufacturer, necessarily adds his cash on hand, the
deposits in his bank for paying the monthly salaries of his clerks,
and at the end of the week, the wages of his workmen.
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