One proposal from two American economists, Adam Lerrick and Allan Meltzer, is to allow the banks to issue negotiable deposit receipts, which could be used as cash.

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Early on Banks had to be on his toes as he saved from Adam Drury and he then kept out a header from Roberts. as well as denying Paul McVeigh.

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Inspired by Adam Smith, the intellectual godfather of free markets, a number of entrepreneurs founded banks in Glasgow and Edinburgh between 1810 and 1840.

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