If the Bank was thus regulated, the Nation would soon see its good Effects; Trustees might place out Orphan’s Money with good Security, and Widows and others, whose Maintenance depends on their Interest, would have it duly paid to answer their Occasions; the whole Cash of the Kingdom would be in a continual Circulation, and not lye dead, as too much of it now does; the Gentry and Traders, who are obliged on many Occasions to take up great Sums at Interest, would have it made easy to them, when they might pay in by such Parts, as they could conveniently spare it; and on the other hand, it would be no Inconvenience to the Bank to receive it, which will by this means never want Borrowers, and their Notes passing in Payment, will circulate instead of Money. These Methods will prevent many Cheats and Losses, which are often occasion’d by fraudulent and insufficient Drawers, and abate the excessive _Præmio_’s which are demanded by Remitters, when they can take Advantages of Men’s Necessities; and the Taxes receiv’d in the Country might be quicker and safer paid into the Treasury. And if the Bank was likewise extended to _Ireland_, it would be an Advantage to both Kingdoms, which I shall speak farther to, when I come to discourse of the Trade we drive to that Kingdom. [Sidenote: By increasing the Silver Coin.] 7. By increasing the Silver Coin of this Kingdom, which are the Tools wherewith the Trader works: It may at first seem strange, that our Silver Coin should grow scarcer, at a Time when we are at Peace with all Nations, our Trade open, and vast Quantities of Bullion yearly imported; but he that considers how much thereof is carry’d away to the _East Indies_, and how little Encouragement the Importer hath to send it to the Mint, when he can sell it for more to export, than ’twill come to when Coined, will cease to wonder; and except some Care be taken in this matter, we shall soon be reduced to such Streights, that the Manufacturers must stand still: For though Gold may serve for large Payments, yet it can’t answer the Occasions of the Manufacturers, who are to make their Payments among the Poor. Now if these or such like Methods were made use of, they might very much encrease our Silver Coin; as 1. Let the _East-India_ Company be limited in the quantity of Bullion they shall Ship out Yearly, whether the Number of Ships they send be few or many; and let them be obliged to carry to the Mint such a suitable Proportion according to what they send away, as to the Wisdom of the Parliament shall seem meet. 2. Let Incouragement be given to all Persons, who shall Voluntarily bring Plate or Bullion to be Coined.