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The Bank of England originated the permanent issue of banknotes in 1695. The Royal Bank of Scotland established the first overdraft facility in 1728. By the beginning of the 19th century Lubbock's Bank had established a bankers' clearing house in London to allow multiple banks to clear transactions.

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Jacob Cotten is a rich banker, quickly approaching his 60th birthday. He is concerned that none of his sons are willing to or able to be in charge of the bank.

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