branch banks shall have been removed? A little topography might here be valuable, to correct the notions of the theorists, who would legislate precisely for the thinly inhabited districts of Kintail and Edderachylis, as they would for the town-covered surface of Lancashire. But there would be more important losses to the public than the mere cessation of interest upon operating deposit accounts. All the witnesses who have been examined, agree that cash-credits must be immediately withdrawn. Of all the facilities that a mercantile country, or rather the foremost mercantile system of a country, can afford to industry, that of cash-credit is certainly the most unexceptionable. Take the case of a young man just about to start in business, whose connexion, habits, and education, are such as to give every possible augury for his future success. The _res angustæ domi_ are probably hard upon him. He has no patrimony; his friends, though in fair credit, are not capitalists; and he has not of himself the opportunity of launching into trade, for the want of that one talent, which, if judiciously used, would in time multiply itself into ten. He cannot ask his friends to assist him in the discount of bills. Large as the affection of a Scotchman may be for some descriptions of paper, he has a kind of inherent repugnance to that sort of floating private currency, which in three or in six months is sure to return, coupled with an awkward protest, to his door. Probably in his own early experience, or in the days of his father, he has received a salutary lesson, better than a thousand treatises upon the law and practice of acceptance; and accordingly, while he will lend you his purse with readiness, he will not, for almost any consideration, subscribe his name to a bill. To persons thus situated, the accommodation granted by the bank cash-credits, is the greatest commercial boon that ever was devised; but as the committee of the House of Lords, in the report already quoted, has borne ample testimony in their favour, it is unnecessary for us to dwell with further minuteness on their utility.