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Still less could a bank afford to advance him any considerable

part of his fixed capital; of the capital which the undertaker of

an iron forge, for example, employs in erecting his forge and

smelting-houses, his work-houses, and warehouses, the

dwelling-houses of his workmen, etc.; of the capital which the

undertaker of a mine employs in sinking his shafts, in erecting

engines for drawing out the water, in making roads and

waggon-ways, etc.; of the capital which the person who undertakes

to improve land employs in clearing, draining, inclosing,

manuring, and ploughing waste and uncultivated fields; in

building farmhouses, with all their necessary appendages of

stables, granaries, etc.