at him. The diver shall walk at the bottom of the Thames, the
saltpetre maker shall build Tom T-d's pond into houses, the
engineers build models and windmills to draw water, till funds are
raised to carry it on by men who have more money than brains, and
then good-night patent and invention; the projector has done his
business and is gone.

But the honest projector is he who, having by fair and plain
principles of sense, honesty, and ingenuity brought any contrivance
to a suitable perfection, makes out what he pretends to, picks
nobody's pocket, puts his project in execution, and contents himself
with the real produce as the profit of his invention.



OF BANKS.



Banks, without question, if rightly managed are, or may be, of great
advantage, especially to a trading people, as the English are; and,
among many others, this is one particular case in which that benefit
appears: that they bring down the interest of money, and take from
the goldsmiths, scriveners, and others, who have command of running
cash, their most delicious trade of making advantage of the
necessities of the merchant in extravagant discounts and premiums
for advance of money, when either large customs or foreign
remittances call for disbursements beyond his common ability; for by
the easiness of terms on which the merchant may have money, he is
encouraged to venture further in trade than otherwise he would do.