228 Whether it is not worth while to reflect on the expedients made use of by other nations, paper-money, bank-notes, public funds, and credit in all its shapes, to examine what hath been done and devised to add to our own animadversions, and upon the whole offer such hints as seem not unworthy the attention of the public?
230 Whether it may not be expedient to appoint certain funds or stock for a national bank, under direction of certain persons, one-third whereof to be named by the Government, and one-third by each House of Parliament?
231 Whether the directors should not be excluded from sitting in either House, and whether they should not be subject to the audit and visitation of a standing committee of both Houses?
232 Whether such committee of inspectors should not be changed every two years, one-half going out, and another coming in by ballot?
233 Whether the notes ought not to be issued in lots, to be let at interest on mortgaged lands, the whole number of lots to be divided among the four provinces, rateably to the number of hearths in each?
234 Whether it may not be expedient to appoint four counting-houses, one in each province, for converting notes into specie?
235 Whether a limit should not be fixed, which no person might exceed, in taking out notes?
236 Whether, the better to answer domestic circulation, it may not be right to issue notes as low as twenty shillings?
237 Whether all the bills should be issued at once, or rather by degrees, that so men may be gradually accustomed and reconciled to the bank?
238 Whether the keeping of the cash, and the direction of the bank, ought not to be in different hands, and both under public control?
239 Whether the same rule should not alway be observed, of lending out money or notes, only to half the value of the mortgaged land? and whether this value should not alway be rated at the same number of years' purchase as at first?
240 Whether care should not be taken to prevent an undue rise of the value of land?
241 Whether the increase of industry and people will not of course raise the value of land? And whether this rise may not be sufficient?
242 Whether land may not be apt to rise on the issuing too great plenty of notes?
243 Whether this may not be prevented by the gradual and slow issuing of notes, and by frequent sales of lands?
244 Whether interest doth not measure the true value of land; for instance, where money is at five per cent, whether land is not worth twenty years' purchase?
245 Whether too small a proportion of money would not hurt the landed man, and too great a proportion the monied man? And whether the quantum of notes ought not to bear proportion to the pubic demand? And whether trial must not shew what this demand will be?
246 Whether the exceeding this measure might not produce divers bad effects, one whereof would be the loss of our silver?
247 Whether interest paid into the bank ought not to go on augmenting its stock?
248 Whether it would or would not be right to appoint that the said interest be paid in notes only?
249 Whether the notes of this national bank should not be received in all payments into the exchequer?
250 Whether on supposition that the specie should fail, the credit would not, nevertheless, still pass, being admitted in all payments of the public revenue?
251 Whether the pubic can become bankrupt so long as the notes are issued on good security?
252 Whether mismanagement, prodigal living, hazards by trade, which often affect private banks, are equally to be apprehended in a pubic one?
253 Whether as credit became current, and this raised the value of land, the security must not of course rise?
255 Whether by degrees, as business and people multiplied, more bills may not be issued, without augmenting the capital stock, provided still, that they are issued on good security; which further issuing of new bills, not to be without consent of Parliament?
256 Whether such bank would not be secure? Whether the profits accruing to the pubic would not be very considerable? And whether industry in private persons would not be supplied, and a general circulation encouraged?
257 Whether such bank should, or should not, be allowed to issue notes for money deposited therein? And, if not, whether the bankers would have cause to complain?
258 Whether, if the public thrives, all particular persons must not feel the benefit thereof, even the bankers themselves?
259 Whether, beside the bank company, there are not in England many private wealthy bankers, and whether they were more before the erecting of that company?
261 Whether we have not paper-money circulating among, whether, therefore, we might not as well have that us already which is secured by the public, and whereof the pubic reaps the benefit?
262 Whether there are not two general ways of circulating money, to wit, play and traffic? and whether stock-jobbing is not to be ranked under the former?
263 Whether there are more than two things that might draw silver out of the bank, when its credit was once well established, to wit, foreign demands and small payments at home?
264 Whether, if our trade with France were checked, the former of these causes could be supposed to operate at all? and whether the latter could operate to any great degree?
267 Whether paper-money or notes may not be issued from the national bank, on the security of hemp, of linen, or other manufactures whereby the poor might be supported in their industry?
273 Whether banks raised by private subscription would be as advantageous to the public as to the subscribers? and whether risks and frauds might not be more justly apprehended from them?
276 Whether an argument from the abuse of things, against the use of them, be conclusive?
277 Whether he who is bred to a part be fitted to judge of the whole?
278 Whether interest be not apt to bias judgment? and whether traders only are to be consulted about trade, or bankers about money?
280 Whether any man hath a right to judge, that will not be at the pains to distinguish?