text:  "Your committee are certainly not convinced that it would affect the cash-credits to the extent apprehended by some of the witnesses; but they are unwilling without stronger proof of necessity to incur the risk of deranging from any cause whatever A SYSTEM ADMIRABLY CALCULATED in their opinion to economize the use of capital to excite and cherish a spirit of useful enterprise and even to promote the moral habits of the people by the direct inducements which it holds out to the maintenance of a character for industry integrity and prudence