The modes in which money can be safely lent by a banker are not many, and a clear-headed, quiet, industrious person may soon learn all that is necessary about them. 28. But ultimate banks have no similar rear-guard to rely upon. And, on the contrary, there is a whole _catena_ of authorities, beginning with Sir Robert Peel and ending with Mr. All the usual tests indicate that–the state of the Revenue, the Bankers’ Clearing-house figures, the returns of exports and imports are all plain, and all speak the same language. The fever of excitement which passed over the nation was strongest in the classes to whom banks lent most, and consequently the losses of even the most careful banks (save of those in rural and sheltered situations) were probably greater than usual. (b) Estimate. There is, of course, in India, just as there is in England, not one single rate for money, but several rates according the period of the loan required (or the maturity the bill negotiated) and the character of the security offered.