whereby no persons shall be kept idle, the works to be suited to
every one's capacity without rigour, only some distinction to those
who are most willing to work; the profits of the said work to the
stock of the house.

Besides this, there may great and very profitable methods be found
out to improve the stock beyond the settled interest of 7 per cent.,
which perhaps may not always be to be had, for the Exchequer is not
always borrowing money; but a bank of 80,000 pounds, employed by
faithful hands, need not want opportunities of great, and very
considerable improvement.

Also it would be a very good object for persons who die rich to
leave legacies to, which in time might be very well supposed to
raise a standing revenue to it.

I will not say but various contingencies may alter the charge of
this undertaking, and swell the claims beyond proportion further
than I extend it; but all that, and much more, is sufficiently
answered in the calculations by above 80,000 pounds in stock to
provide for it.

As to the calculation being made on a vast number of subscribers,
and more than, perhaps, will be allowed likely to subscribe, I think
the proportion may hold good in a few as well as in a great many;
and perhaps if 20,000 subscribed, it might be as effectual. I am
indeed willing to think all men should have sense enough to see the
usefulness of such a design, and be persuaded by their interest to
engage in it; but some men have less prudence than brutes, and will
make no provision against age till it comes; and to deal with such,