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First published in 2009 by

SAINT ANDREW PRESS

121 George Street

Edinburgh EH2 4YN

Copyright © The William Barclay Estate, 1975, 1976, 2001, 2002, 2003

ISBN 978 0 7152 0885 4

All rights reserved. No part of this publication may be produced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, or information storage and retrieval system, without permission in writing from the publisher. This book is sold subject to the condition that it shall not, by trade or otherwise, be lent, re-sold, hired out or otherwise circulated without the publisher’s prior consent.

The right of William Barclay to be identified as author of this work has been asserted in accordance with the Copyright, Designs and Patents Act 1988.

British Library Cataloguing in Publication Data A catalogue record for this book is available from the British Library

It is the Publisher’s policy to only use papers that are natural and recyclable and that have been manufactured from timber grown in renewable, properly managed forests. All of the manufacturing processes of the papers are expected to conform to the environmental regulations of the country of origin.

Typeset by Waverley Typesetters, Fakenham

Printed and bound by Bell & Bain Ltd, Glasgow

Insights: Money

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