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In all countries where there is a tolerable security, every man

of common understanding will endeavour to employ whatever stock

he can command, in procuring either present enjoyment or future

profit. If it is employed in procuring present enjoyment, it is a

stock reserved for immediate consumption. If it is employed in

procuring future profit, it must procure this profit either by

staying with him, or by going from him. In the one case it is a

fixed, in the other it is a circulating capital. A man must be

perfectly crazy, who, where there is a tolerable security, does

not employ all the stock which he commands, whether it be his

own, or borrowed of other people, in some one or other of those

three ways.