text:  So at least we having lent the American neither plack nor penny do in perfect charity presume; but in the mean time he has our capital--say now some thirty millions--he has used it most thoroughly and judiciously for himself and even supposing that we shall not ultimately suffer what gain can we qualify thereby? If John Doe hath an estate of some twenty thousand acres in tolerable cultivation which nevertheless in order to bring it to a perfect state of production requires the accessaries of tile-draining planting fencing and the accommodation of roads it is quite evident that his extra thousand pounds of capital will be more profitably expended on such purposes than on lending it to Richard Roe who has double the quantity of land in a state of nature