not lose by it
neither, for the tradesmen find it in the price, and they take care to
make such families pay warmly for the credit, in the rate of their
goods; nor can it be expected it should be otherwise, for unless the
profit answered it, the tradesman could not afford to be so long without
his money.

This credit takes its beginning in our manufactures, even at the very
first of the operation, for the master manufacturer himself begins it.
Take a country clothier, or bay-maker, or what other maker of goods you
please, provided he be one that puts out the goods to the making; it is
true that the poor spinners and weavers cannot trust; the first spin for
their bread, and the last not only weave for their bread, but they have
several workmen and boys under them, who are very poor, and if they
should want their pay on Saturday night, must want their dinner on
Sunday; and perhaps would be in danger of starving with their families,
by the next Saturday.

But though the clothier cannot have credit for spinning and weaving, he
buys his wool at the stapler's or fellmonger's, and he gets two or three
months' credit for that; he buys his oil and soap of the country
shopkeeper, or has it sent down from his factor at London, and he gets
longer credit for that, and the like of all other things; so that a
clothier of any considerable business, when he comes to die, shall
appear to be L4000 or L5000 in debt.

But, then, look into his books, and you shall find his factor at
Blackwell Hall, who sells his cloths, or the warehouse-keeper who sells
his duroys and druggets, or both together, have L2000 worth of goods in
hand left unsold, and has trusted out to drapers, and mercers, and
merchants, to the value of L4000 more; and look into his workhouse at
home, namely, his wool-lofts, his combing-shop, his yarn-chamber, and
the like, and there you will find it--in wool unspun, and in yarn spun,
and in wool at the spinners', and in yarn at and in the looms at the
weavers'; in rape-oil, gallipoli oil, and perhaps soap, &c, in his
warehouses, and in cloths at the fulling-mill, and in his rowing-shops,
finished and unfinished, L4000 worth of goods more; so that, though this
clothier owed L5000 at his death, he has nevertheless died in good
circumstances, and has L5000 estate clear to go among his children, all
his debts paid and discharged. However, it is evident, that at the very
beginning of this manufacturer's trade, his L5000 stock is