human
A clerk going with a charge of £99,000, perhaps, upon all the other bankers, puts the cheques through their respective apertures into their drawers at three o'clock. He returns at four, unlocks his own drawer, and finds the others have collectively put into his drawer drafts upon him to the amount, say, of £100,000; consequently he has £1,000, the difference, to pay. He searches for another, who has a larger balance to receive, and gives him a memorandum for this £1,000; he, for another; so that it settles with two, who frequently, with a very few thousands in bank-notes, settle millions bought and sold daily in London, without the immense repetition of receipts and payments that would otherwise ensue, or the immense increase of circulating medium that would be otherwise necessary.