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Updated: June 11, 2025
It is this surplus only which is neat or clear profit. What is called gross profit, comprehends frequently not only this surplus, but what is retained for compensating such extraordinary losses. The interest which the borrower can afford to pay is in proportion to the clear profit only.
But in a bargain, when terms of loss are looked for by the borrower from the lender, compulsion, or what virtually is compulsion, introduces itself into the place of treaty. When compulsion may be at all used by a state in borrowing the occasion must determine.
Now, however, with him away and with General Canby ruling in place of Banks, she and her dear fragile old grandmother could breathe a little. They breathed much. We need not repeat that the younger was a gifted borrower. She did other things equally well; resumed a sagacious activity, a two-sided tact, and got Irby paroled.
This is all very well; but the more they succeed, the more do they promote the abundance of capital, and, as a necessary consequence, the reduction of interest. Now, who is it that profits by the reduction of interest? Is it not the borrower first, and finally, the consumers of the things which the capitals contribute to produce?
The question may be asked, Who is the originator and who the borrower of the common tradition? And it is a question to which chronology can give no certain answer, and for which dates or records have no meaning.
Amongst all my fellow clerks I remember one only who resembled as a borrower some of my quondam associates at Derby. But this was in Scotland where more provident ways prevailed. He was a married man, about 30 years of age, with a salary of 100 pounds a year.
In other words, is it the business of an issuing house to take care of the economic morals of its clients, or is it merely concerned to see that the securities which it offers to the public are well secured? In ordinary life, and in the relations between moneylender and borrower at home, no such question could be asked.
A gratuitous deposit for the sole benefit of the depositor is a much stronger case for the denial of these remedies to the depositary; yet we have a decision by the full court, in which Lord Ellenborough also took part, that a depositary has case, the reasoning implying that a fortiori a borrower would have trespass.
At best He's but a caterpillar dress'd; The gaudy fop's his picture just. The second vice is lying; the first is running in debt. Lying rides upon debt's back. It is hard for an empty bag to stand upright. Creditors have better memories than debtors. Creditors are a superstitious sect, great observers of set days and times. The borrower is a slave to the lender, and the debtor to the creditor.
So now, Richling, a moment earlier borne down by the dreadful shadow of the Parish Prison, left it behind him as he walked and laughed and chatted with his borrower. He felt very free with Narcisse, for the reason that would have made a wiser person constrained, lack of respect for him. "Mistoo Itchlin, you know," said the Creole, "I like you to call me Nahcisse.
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