Heins observed that the masters of labourers in some other countries were more happily circumstanced than he and his friend. In England, men asked work of the masters, who were therefore in a situation to exercise a choice, and to exert some authority; but in Holland, the masters had to seek for labourers, and were consequently at their mercy as often as there happened to be no scarcity of work. Even at present, when, through the quantity of wealth in the country, it was difficult to find employment for capital at home, and there was therefore more labour to be disposed of than in the days of comparative poverty, the labouring classes were able to make their own terms, from the abundance which they possessed. One of the difficulties attending any new undertaking was the management that was necessary to bring the requisitions of the labourer into agreement with the interests of the master. "Another difficulty," observed Slyk, "is the poor encouragement that is given to liberal undertakings in this country. Our banks will bring on a general distress, if they do not mend their measures. If they are so timid and so ill-humoured as they are now about discounting bills, and lending money to the spirited individuals who exert themselves to benefit their country, everything will go to ruin. It is a part of their regular duty to assist those who would enrich, those who would beautify the face of the land; but there is more trouble than most enterprises will pay in getting a few bills discounted." Before he had finished his complaint, the messenger from Amsterdam had appeared and delivered Vanderput's letter to Heins. There was something in Heins's frowning brow and falling countenance as he read, which induced Jakob to take up his theme again as soon as he could obtain a hearing. He enlarged once more on the avarice and cowardice of the banks, which refused to aid even such an undertaking as the one before their eyes. Heins would scarcely believe it, but the Leyden bank had within a week refused to discount bills drawn by Cats of Haerlem upon Geysbuk of Rotterdam. Heins could very easily believe it. The refusal of the bank probably arose from the same cause which would now, he feared, prevent him from making the advances he had destined to the undertaking before him. He found that the turn of the exchange had given such a stimulus to importation that he had less money at command, unfortunately, than he could have had at any other conjuncture.--But he had promised, Slyk reminded him. He had promised brandy, butter, and meat immediately, and money to a considerable amount---- Subject to the consent of his partner, Heins observed; and his partner now wrote him word that their joint capital was already completely invested.