[154] In our analysis of bank-loans, infra, we shall find reason to hold that Walker, though false to the logic of the quantity theory, comes nearer to a tenable doctrine than do Kemmerer, Fisher, Andrew, and most other quantity theorists.

[155] Principles, Bk. III, chs. 11 and 12.

[156] Purchasing Power of Money.

[157] Loc. cit., pp. 50-51.

[158] Loc. cit., p. 280.

[159] A. W. Atwood, "Hoarded Gold," Saturday Evening Post, Dec. 12, 1914, p. 26.

[160] Cf. Kinley, D., The Use of Credit Instruments, Senate Document 399, 1910, pp. 192-194.

[161] Ibid., pp. 102-103. In the same volume, on p. 200, the figures are given incorrectly, as 70% checks and 30% cash. C. A. Phillips, Readings in Money and Banking, 1916, p. 151, repeats this erroneous statement.

[162] Cf. Sprague, Crises under the National Banking System, Nat. Monetary Commission Report, pp. 71-75; 200, 202.

[163] Cf. also p. 280 of Fisher's Purchasing Power of Money.