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The practice of drawing and redrawing is so well known to all men

of business, that it may, perhaps, be thought unnecessary to give

any account of it. But as this book may come into the hands of

many people who are not men of business, and as the effects of

this practice upon the banking trade are not, perhaps, generally

understood, even by men of business themselves, I shall endeavour

to explain it as distinctly as I can.