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He didn't even have a barn yet and he was worried about how much hay to store in it. Thankfully the differences between my situation and his gave me an out for the conversation."I think you should fully explore the canyon they are in first. After all, there is a chance you might find a cave you can store the food in. Do you even know for sure the canyon is blocked at the other end?" No, we aren't sure, but the vines and berry patches are thick near the back and the horses can't get out," he said."Then you should check it closely. Suppose there is another opening behind the vines and brush? It might lead to another open plain. Maybe there is more grass on farther back. You could clear out a path for the horses and you wouldn't have to graze your canyon so close. You know the stream comes through and it has to come from somewhere." I never even considered it. You are right and I will have some men try to see what is back there," he said."You should go with them to make sure. If it is. What I set up will be a very small bank. When I begin trade in other countries, I can expand it, and also set up small banks in those countries.”Mary said, “I agree that a bank would be beneficial. However, you don’t have to limit your business to just the ranch. With the proper inducement, I think many of the people in the local area will open accounts in your bank. If you include on-line banking, people from other parts of the US, and possibly other countries, will open accounts.”Matt said, “I hadn’t considered that, Mary. What type of inducements were you thinking about?”“Think about our current personal checking and savings accounts, Matt. Each month, we draw less than one percent interest on our average daily checking account balance, and the interest rate on our savings account is not that much more. The bank takes all of its depositor’s money and reinvests it, and they receive a much higher interest rate than they pay us.“If Doug’s bank invested the depositors’ funds, he could.
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