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... deposits led to entities. A shipyard that needs to build ocean-going cargo ships usually issues paper notes to buy the steel and lumber he needs. The steel seller, if he wishes, can hold the note and wait for the shipyard to pay, or take the note to his banker, who will buy the note at a "discount", the difference being the banker's income.
But the man who approached Padma was not the bill banker, but the bill broker William Kirk, whose office was on Lombard Street. His work is differ ...
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