extreeme mischiefes that they bring vpon the common wealth as before is partly shewed their vsurie is the extreme pulling in sunder of the vnitie of the Churche Chrysostome calleth it grauissimum ecclesiae morbum the most pestilent disease of the Church for howe can there be an vnitie and loue amongest men when one cutteth anothers throte by this wicked trade If a man will take vsurie for lone he is voyde of all true loue and compassion and by his acte procureth hatred to hymselfe that as he loueth no man so hee maketh that no man loueth him but the one against the other beareth a warrelike and spoyling mind though it lie subtilly hiddē be not in open wrath anger yet is it in desire to scrape one from another And in this that warlike hate consisteth that the one so he may haue though to the losse and hurt of the other he is pleased and glad whereby selfe loue but no Christen loue is maintained and therefore the vnitie of the Church torne a sunder hereby For Christen loue is the perfite bonde and knitting togither of the Church which vsury desolueth and placeth selfeloue and common hatred Surely if this poynt be noted and this our time examined by this rule of Christen loue euen by the vnitie of the Church wee shall finde that Vsurie hath now playde this hir part at full and doth still poison more grieuously than at any time heretofore The want of this vnitie in the church namely of Christen loue in the multitude will make men if they consider their trades to confesse themselues vsurers yea and infidels and voyde of no fault For what man is he from the Prince to the prisoner that of loue or compassion will sell anye thing for dayes of payment so good cheape as he would sell the same to haue ready money for it Nay what man will sell for readie money except the needy if hee may rayse a more gayne to himselfe by selling for time or what is he that will deliuer hys money or other things by way of exchaunge for a moneth two or three so good cheap as he would to haue payment for the same withall possible speede at sight nay what is he that wil deliuer his money or other thinges at sight except the needie if he can by lone thereof for a moneth two or three make himselfe a greater gainer and get ouerplus Surely verye fewe Rara auis in terris Which argueth men generally to be voyde of christian loue and compassion And yet some there be that haue left off dealing in that sale of time God increase the number for it is a small number Heathen men detested those that woulde witholde fyre or the running streame from the needy or that would sel the same bicause fyre and water are generall But the time is more vniuersall and therfore the sale therof more vnnaturall But nowe I knowe the multitude who are faultie will cry out and saye this man meaneth to pull downe all trade and occupying why take away the profite that men haue by selling and exchaunging of things for time and take awaye all for no man can liue without that benifite Therefore surelye this man must needes be deceyued and vnderstandeth not rightly of Vsury For to sell wares for dayes and thereby to aduaunce the price is so generall that it cannot be Vsury but must nedes be honest trade for al men occupy it And for the exchaunge that is so vncertaine a profite that there may be disprofite therein And therefore these thinges cannot be Vsurie for if they shoulde then al men in maner were Vsurers Tushe this is not possible why how should men liue And so they gather infinite absurdities as they thinke to follow of this doctrine c. Howbeit I saye that I am so farre off from condemning or hindering of all trade and occupying that without trades as borrowing and lending bying and selling and exchaunging I saye neyther the common wealth can stande nor men liue togither one with an other But as I doe allowe and like well of borrowing lending buying sellyng and exchaunging in their owne nature and as they are well vsed and of the gaines that cōmeth thereby ye though it be Centum pro cento So doe I dislike vtterly for God forbiddeth that such good trades should be abused or that anye pennie shoulde be gotten by abuse And yet it is to to lamentable that Sathan hath so much preuayled as thus to make men count abuse to be a right vse Vsury a lawfull gaine As for the vncertaintye that is alleaged in the gaine had by the exchaunge that I wil answere anon God willing and proue such a certain gaine therby as the same gayne shall be vsury And though there be sufficientlye sayde already to proue that a greater price taken of things sold for time than else woulde haue bene made of them is Vsurye Yet take one example more by the way and so an ende for that matter A man bringeth a horse to the Market and would sell him for fiue pounde ready money and so muche the horse is worth by the Market There is an other man would haue the horse but wanting money to paye for him presentlye desireth to haue a monethes day of payment The owner of the horse is content to giue a moneth for payment but than he wil haue ij shillings more for the horse the buyer to serue hys nede will not striue for two shillinges but is content to giue him at the day appoynted fiue pounde two shillings for the horse Then I say that the same two shillings taken for the time is ouerplus and vsurie for it is all one as if the seller had taken fiue pounde out of his owne purse and said to the buyer here is fiue pounde take it and giue me for the same fiue pounde two shillings a moneth hence and buye this Horse nowe of mee for fiue pounde I haue lent thee fiue pounde in money to doe it Let no man dallye or thinke a difference where none is or alleadge varietie of Market as though perhaps some mā would afterward haue giuen fiue pound two shillings readye money for the same horse The varietie of prises in one Market maye chaunce dyuers wayes but commonly it chaunceth through the malice of men who spying their neighbors nede doe make gaine thereof to themselues But howsoeuer the markets doe vary in price of things if any man doe take the more for lone and bearing the time hee is an Vsurer the variety of the market excuseth him nothing at all though such an horse as hee solde for fiue pounde two shillings might within an houre after bee worth by the same Market ten pounde For he that lendeth and taketh ouerplus in respect of hys lending is an Vsurer Men that desire to
vppon euerye score Bushels of wheate forborne for a moneth And so you see that against nature it begetteth vsury although in the vse it bee consumed as such like thinges be And thys I haue put here not to approue that corne is in thys sort exchaunged but onely for an example to shew a proportion of the exchaunge and certain gaine thereby And least Marchauntes and such as frequent the exchaunge should be ignorant what I mean herein I will also expresse it euen in moneyes wherein their common trade is and will take for an example the exchaunge passing betwixt London Andwarpe Suppose that the exchaunge on the Burse at London for Andwarpe this daye is at xxiij shillings iiij pence sight that is for xx shillinges sterling deliuered this daye in London the taker must pay xxiij shillings iiij pence Flemish at the arriuall of his bill in Andwarpe which commonly is within foure or fiue dayes after the taking at the farthest Nowe there is one that hath a hundred pounde to deliuer and there is another that desireth to take the same and will paye him Flemish money for it at vzance which is a iust moneth after the taking The deliuerer is content to let the taker haue the tyme required which is a Moneth but for the same tyme hee will haue three pence or foure pence Flemishe more vpon euery pound sterling which the taker knoweth to be a custome and agreeth to take the hundred pounde so being glad if he can haue it for a moneth paying but three pence more vppon euery pounde for the poorer sort doe commonly paye foure pence more vpon euery pound for a moneths tyme and three pence in a pounde is xxv shillinges in the hundred pound and if a hundred pounde gaine xxv shillinges in one moneth in will gaine in xij Monethes after that rate xv pound and this is the easiest losse that commonlye the taker doeth sustaine by the exchaunge And if the taker will haue two moneths day of payment which is called double vzance than he shall pay six pence Flemish more vppon euery pounde at the least So that for the lone of a hundred pound for a moneth the deliuerer will haue xxv shillings Flemish at the least And if he deliuer it for double uzance that is two moneths hee will haue for the lone thereof at the least fiftie shillings And I am sure he that knoweth what Vsurie is cannot denie but this is Vsurie vnlesse he denye that which he knoweth to be true For besides this that it is against nature to make money a Marchaundize yet when it is made a marchādize ouerplus is taken for the lone of it For when by the market a pound sterling is worth xxiij shillings foure pence Flemishe if any man will borrow it for a monethes tyme hee must paye xxiij shillinges seuen pence Flemish for it at the least and if he wil borrow two months tyme for it hee must pay xxiij shillinges ten pence at the least So that a very certain ouerplus is couenaunted for aforehande and taken for the lone Nowe for their obiection touching the vncertaintie of gaine by exchaunging whereby exchaungers woulde excuse and deliuer themselues and the exchaunge from the cryme of Vsurie it may be seene alreadie to bee nothing but yet further I saye the same obiection is eyther nothing to purpose or else suche a thing as doth proue this vse I shoulde say abuse of the exchaunge to be worse than plaine Vsurie rather than in anye respect qualifie the haynousnesse of the vice as shall appeare The obiection is this that the deliuerer in giuing of a moneth or two moneths time to the taker for payment may haps lose more than that which hee taketh ouerplus for the same tymes lone the reason is that the price of money is so variable through plentie or scarcitie thereof that when he shall receyue his xxiij shillings x. pence Flemish at the two moneths ende it is by rate of exchaunge as the price then may haps to be not woorth his principall namely the pounde sterling which hee deliuered at the first and then the deliuerer getteth nothing but loseth To this their obiection I aunswere that as there is hazarde to haue the market better or worse for the deliuerers turne when he shall haue giuen time for his money so there is euer or most commonly more likelyhode of profite to growe to the deliuerer by giuing of time than by selling his money for readye money I meane hazard of more gayne ouer and aboue the certaine ouerplus couenaunted for being three pence or foure pence in the pounde sterling for euery moneths forbearance As partly is seene in this that the deliuerer will not deliuer his money at sight but at vzance or double vzance as they call it except he spye a more profyte to growe thereby to him and then the taker gettes no money of him at double vzāce For note this that the exchaunging Vsurer is not lesse prouident to foresee his market than the plaine money Vsurer And except they both foresee good markets to fall out on their side the taker may take his Cap and go take Butterflies for any money he shall take of thē how great soeuer his neede be And in deede the playne vsurer maye obiect thys vncertaintye of gaine as well as the exchaunging vsurer and as honestlye it serueth his turne For hee maye saye I lende my money for sixe Monethes bee it an hundreth poundes and for the lone I take but fiue or sixe pound and before that time perhaps there maye chaunce such an abasement of the coyne that for my ounce of siluer deliuered I shall receyue perhaps but three quarters or halfe an ounce and shall I not then lose yea and though this extremitie happen not yet hee to whom I lende my money maye proue a bankrupt and so I may lose the principall and all and though I haue landes bounde in statute or otherwise yet there maye prooue such a iarre in the title that when I thinke my selfe most surest of it the right heires may keepe mee from it for the worlde is full of starting holes And though none of these things happen yet the Merchants may in that tyme haue broughte home and made money of their commodities and then euerye mans handes may be full of money and so shall I haue no market for my money but must bee forced to lende it for a trifle or else let it lye deade on my hande and therfore my gaine is vncertaine So farre the vsurer But yet all these colours notwithstanding besides a number more which vsurers haue he is not the lesse an vsurer for in the bargaine making he couenaunteth for a certayne ouerplus for lone besides his principall be it after ten or twelue pound in the hundreth by the
is dead The vnruely desperate and infidels think men cannot lyue except they do euyll to get their liuing therby Common wealthes cannot stande nor men lyue wyth men without trade Bying selling c. allowed yea to gain and to make of one hundred two hundred so it be lawfully done Vsury and abuse of trades forbidden and euery penny gotten that way wicked Right esteemed wrong è contra Sathans subtiltie Aunswere referred for the exchange An example by a horse that vsury is commytted when any thing is solde deerer for tyme than for money Horse seller will not forbeare fiue pounde for a moneth but he wyll haue two shillings more for it Hee lendeth not the horse but the money for he selleth the horse Alteration of market no excuse for the tyme seller Varieties of prises in one market chaūceth through the malice of men comonly The tyme seller an vsurer though he sell not so deere as he might haue done for money Men neede not to cauill in narow points for their actes are brode and manifest euyll These cruell Serpentlike vsurers doe most commonly spende their vnlawfull gayne wastfully The cruellest vsurers are most apt to cauill in narrow pointes and to picke quarrels These are such as regard not god To make exchaunge is in nature lawfull It is lawfull and necessary for countryes and men to make exchange of moneys and cōmodyties In all lawfull exchaunges and bargains vsurye and frawde must be excluded In these dayes vsury and fraude are included in exchaunges and bargaynes The Ghospel slaundered by vnlawfull trade in thys tyme. That vsury is committed in exchaunge a proofe by an example of corne The delyuerer will haue a peck more vpon a score bushels for a months forbearaunce The taker is grieued wyth his bargains before he haue concluded it and thinketh it vsury The deliuerers excuse by vncertaintie of gayne The deliuerers obiection of vncertaine gayne answered by the taker Though the exchaunge vsurer doe knowe hys gayne to bee vsury yet he will haue it Neede maketh the olde wyfe trot The debtor disappointed or vnable The creditor content to giue longer credit for more vsury The debtor would take day of payment for his owne aduauntage The creditor foreseeth haruest as well as the debtor and therefore will delyuer none for that tyme. The creditor wyll gyue a yeares day to haue vsury according to the rate of exchaunge A rate of exchaunge for a moneth The exchange creditor by the neede of the debtor buyeth with 83. pecks of Rie deliuered afore hand so much Wheate as woulde haue cost him 94. pecks of Rie if he had then presently receiued the same Wheate Misreconing is to be revewed Wheate is increased and yet was neuer sowne but eaten and consumed in the vse which must needes be a miracle The creditor selleth 14. months time for 14. pecks of wheate he might wyth as good authoritie haue soulde hym 14. moneths wynde Wheate yeelded the taker no increase for it was eaten vp in ten weekes A certaine gayne by exchaunge namely a peck of corne taken for twenty bushels forborn a month This aforesayde not in vse but an example and liuely Image of that exchange corrupted with vsury Examination of the thing it selfe in vse Exchaunge Exchaunge at London for Andwarp at sight A deliuerer meeteth wyth a taker the taker requireth vzance for payment The deliuerer content to graunt tyme to the taker that wyll pay for it The poorer sort shall paye foure pence for that which the rich shall haue for three pence Three pence for a moneths lone of twenty shillings is after xv pound in the hundred by the yeare Fiftene pound pro cento per annum is the easiest losse by exchaunge Double uzans is ij months and for that tyme the delyuerer wyll haue sixt pence vpon a pound A hundered pounde at that rate is 25. shillings a moneth by certayne couenaunt Certaine couenantings for certayne gayne for lone is vsury Against nature that money should be made a Marchaundize to rise fall as the pounde sterling is bought and solde sometyme deerer sometime better cheape c. and also in respect of tyme which is the certaine ouerplus vsury Exchaungers obiection of vncertaintye is nothing but to proue them woorse vsurers than the plaine money vsurers Perhaps a blinde manne may catch a Hare Perhaps the skie may fall and so wee may haue Larkes But in deede it is past perhaps that if thys exchange vsurer doe not repent hee may go to the deuill An answere to the obiection of vncertaintie of gain in the exchange Commonly more gayne by selling tyme ouer and aboue the certayne couenaunt than by deliuering at sight The deliuerer will not delyuer for sight which argueth that to delyuer for tyme is his more profite Exchaunge vsurer not lesse prouident to foresee hys owne gayne than the money vsurer If vsurers doe not foresee a gayne by letting their money by exchaunge or other the taker may take his cap and go take Butterflyes hee gettes no money of them The playne vsurer maye obiect the vncertainety as well as the craftye exchange vsurer Perhaps an abasement of the coyne and so perhaps losse that way to the vsurer May haps the vsurers debtor may be banckrupts and then he looseth that waye May haps the vsurers assurance may be vnsure and nothing woorth and then he maye lose that way It is most likely and common that Marchaunts may be full of money by sale of their commoditie when the vsurer shal receyue hys money of the debtor This reason hath most affinitie wyth the exchaunge vsurers obiection of vncertaintie But it is past perhaps that the vsurer is not the lesse an vsurer though hee make these obiections or a thousande such lyke No more doth the exchaunge vsurers obiections excuse them but is therby proued the worse men in that they take greater vsury The takers certayne or extreme losse doth prooue that the deliuerer hath an extreme and sure gaine by exchaunge The worst vsurers by exchaunge be such as delyuer money to and fro and make a trade thereof to gaine by Let not vsurers by exchaunge flatter or think themselues as none offenders bicause of these coulours of vncertaine gaine Psalme 1. When men haue knowledge of their faultes and yet wyll contynue therein they may loke for yll successe Prouerb 12. Prouerb 15. Psalme 2. Thoughe fooles and godlesse will not regarde yet the godly wyll cease from their faultes Psalme 84. Psalme 87. God careth for the righteous Psalme 84. The godly shall haue things sufficient and shal not want that which is good for them Psalme 122. Psalme 2. God shal lead forth the wicked with euill doers and vexe them in his wrath and burst them in peeces Psalme 45. No nation free from vsurie at this time Though all the worlde were Vsurers yet that were no excuse sufficient for any one to continue in taking vsury Not so great a maruell that vsury is counted honest trade
as in mony though some thinke it consist in money only and also that whatsoeuer is taken for lone more than was lent that ouerplus is vsurie If any man doe yet thinke that I wrest the scriptures by this collection let him vnderstande that these learned fathers did so vnderstand them as I doe For no man of good and sounde iudgement can otherwise collect of those places recited First Hierome he saith Putant quidam vsurā esse tantū in pecunia Quod praeuidens diuina scriptura omni rei aufert superabundātiam vt plus non recipias quam dedisti That is Some men think vsurie to bee onelye in money vvhich thing the holye Scripture foreseeing doth take avvay the ouerplus in all things so that thou shalt receyue no more than thou didst deliuer And the same Father further witnesseth Alij pro pecunia foenerata solent munuscula diuersi generis accipere non intelligunt vsuram appellari superabundantiam c. That is Others for money lent vpon vsurie doe vse to take giftes of diuers kindes and doe not vnderstand that the scriptures call the same vsurye and ouerplus c. Then Ambrose he saith to the same purpose Plerique refugientes precepta legis cum dederint pecuniam negotiatoribus non in pecunia vsuras exigūt sed in mercibus ideo audeant quid lex dicat neque inquit vsuras escarum accipies neque omniū aliarum rerū igitur esca vsura est quicquid sorti accedit vsura est quod velis nomen ei imponas vsura est Manye sayth Ambrose flying the preceptes of the Lavve vvhen they haue deliuered their monye vnto Marchant men or to occupiers doe not exact vsurie in monye but in vvares Therefore let them heare vvhat the lavve sayth neyther shalt thou take vsurie of meates nor of anye other thing therefore meate so taken is vsury vvhatsoeuet is aboue the principall is vsurye yea vvhatsoeuer name thou giuest vnto it it is vsurie Thirdly Augustine he sayeth Si foeneraueris homini id est tuam pecuniam mutuam dederis à quo aliquid plusquam dedisti expectas accipere non pecuniam solam sed aliquid plusquam dedisti siue illud triticum sit siue vinum siue oleū siue quodlibet aliud si plusquam dedisti expectas accipere foenerator es in hoc improbandus non laudandus That is If thou lend for aduauntage to a man that is thou lendest thy money to him of vvhō thou hopest to receiue more than thou didst deliuer not mony only but any thing more thā thou didst deliuer vvhether it be vvheat or vvyne or oyle or anye other thinge if thou expect to receyue more than thou hast deliuered thou art an Vsurer in this not to be praysed but to be dispraised Thus you see that these three learned Fathers doe beare mee witnesse that I do not wrest the Scriptures whereto might be added the iudgement of manye moe agreeable to these but it needeth not or booteth not the Scriptures are playne herein that vsurie is commited not only in lending of monie but also in corne wyne oyle and wares if any thing be taken ouerplus for or in respect of the lone Which being true as it is proued true this must needes follow thereof that when there is sold any victuall wares or merchandize for dayes of payment and in respect of the time contracted and giuen for the payment there be taken anye more that more which is taken in consideration of the lone is ouerplus and forbidden vsurie and that seller is an vsurer And also when monye is deliuered by exchaūge betwixt place and place as from London to Hamborough c. to bee payde two three or fower monthes after the deliuerye thereof and in respect of that time contracted and giuen any greater or more price be taken vpon the Pound or hundreth Poundes than the price is at sight by the market and more than the deliuerer woulde haue taken to haue had payment with all possible speede at sight as they call it that ouerplus or greater price taken for the times forbearance is vsurie forbidden and that deliuerer is an Vsurer For by the order or nature of true and simple buying and selling whosoeuer doth simply buy a thing ought forthwith to paye ready monye for the same as by the orderly course of the Law is vnderstanded Also when exchaunge is made betwixt Countrie and Countrie thus simply that a price or quantities and qualities and a place of payment is agreed vpon and no time of payment spoken of than it is vnderstanded that the taker ought to paye for that which hee hath so taken euen with all possible speede But if in buying and selling or making exchaunge any dayes of payment bee contracted for and graunted to the buyer or taker than that tyme contracted is in deede borowing and lending not of the thing bought and sold I graunt but of that which the buyer or taker should haue payd by the order of simple buying and exchaunging For if sale of a thing bee made for tyme or dayes of payment or that money bee deliuered for dayes of payment the propertie of the thing solde and deliuered is immediatly in the buyer or taker and no longer in the seller or deliuerer as also by auncient course of the law doth appeare As for example one selleth a quarter of wheate for xvj shillings and is content to giue to the buyer a moneth or a yeares day for payment thereof Now it is plaine the seller can not iustly aske againe this corne at the daye but money hee maye aske namely xvj shillings Therfore he lent not corne but money for that which a man lendeth he may iustly aske againe either the thing it selfe that is lent or else the like thing of the same name kinde and equalitie Euen so examine the exchange and it shall be founde that when tyme of payment is giuen that thing is lent which the creditor maye by the same name and equalitie demaunde at the day of payment which is reasonable and not absurde in nature But if in respect and by meanes of this lending and tyme giuen the seller or deliuerer do exact more in the price of that they sell or deliuer than the market is for readie money and more than the seller or deliuerer would take to haue readie money for it that more exacted for the loane is as I sayde vsury and forbidden bicause it is absurde in nature and agaynst this rule lend freely and it is not the acte of a Godly man for the godly mā lendeth nothing vpon vsurie nor taketh any thing ouer And albeit that some writers who haue seuerelye enueyed agaynst this vice are of this mind that to take ouerplus of the rich for lone is not vsury yet I see no warrant in Gods worde to approue that their
sinner shall cōtinue vnpunished except he repent and ceasse from his wicked wayes The wisdome and pollicie of Cranes In the creation man was the wysest of al Gods creatures but as he is corrupted he may learne at the creatures 1. Tim. 4. August in Psalm 36. Vsurers Idolatrers Recayners of Baals remnants or of the Chemarims Mixers of religion Masse and Malchom Starres Planets Fortune tellers Witches Coniurers regarded Carelesse Apostates God will not Numeri 23. Malachi 3. Iames. 1. Romans 15. 1. Cor. 10. God by mans ministerie hath in all ages instructed men Math. 1. 6. 7. c. Actes 1. Actes 8. Actes 9. Actes 10. Math. 10. Luke 10. Iohn 13. 1. Tessa 4. 2. Peter 3. Actes 2. Ieremie 12. Blasphemous mockers in these tymes These grieued Dauid more than all his troubles and greeued Christ more thā his crosse These are the most horriblest tyraunts of all shall not escape their punishments Swete meate require sowre sawce Esay 1. Ieremie 1. 2. Peter 1. The holye ghost is aucthor of the holy scriptures Math. 22. Mark. 12. Psal. 110. 2. Tim. 3. 2. Peter 1. 2. Cor. 4. 2. Cor. 5. The excellencie of preaching the word of God is set forth by these places Wisdom 5. Galat. 6. Men maye mocke themselues but God cannot bee mocked bicause all things are naked and bare before his eies as in a Sea of Glasse Mark. 16. Actes 3. Math. 16. Romanes 2. 2. Cor. 5. ¶ A Table contayning the chiefe and principall matters in thys Booke And note vvheras thou findest this letter a it signifieth the first side and b the seconde AFflictious profitable to Gods children Fol. 1. b Iosias did helpe to reforme religion among his neyghbours destroyed Idoles executed Idolaters and exactly folowed the booke of Gods lawe 2. a Goodnesse commeth not of nature but of grace 2. b Godly Princes helpe their neyghbours to reforme abuses in religion 2. b Tiranie negligence darkners of that truth 2. b A note for Preachers 6. b The properties of Idolaters in all ages how they slaunder the truth and how they may be aunswered 12. b Iuda and Ierusalem specially threatned that men shoulde not trust to place or parentage 14. a Papistes affirme that place mynistreth holynesse but specially Rome 17. b Vayne men and women of our tyme no lesse boasters and braggers of place and parentage than the Iewes and Papistes 19. a What is ment by stretching out Gods hande why he will stretch it out 20. a What Baall was who brought him first to be worshipped among the lords people 23. a Iewes and Englishe Idolaters agree in retayning the remnaunts of Idolatry notwithstanding the reformation of religion offered by godly princes 24. b What the Chemarims were and from what Hebrue verbe they were deryued 25. b One God one order of Priests the worshipping of many Gods brought in many priests which the true God neuer ordayned 26. b The Papists haue infinite orders of priests which Christ neuer ordayned to supply the abundant superstitions by thē inuented 27. b The popishe Chemarims of our tyme more worthye to die than the Iewes Chemarims bicause they are not onely Idolaters but also rebels 29. a Starre worshippers in Iuda 31. b Astrologians of our tyme and of their vnlawfull dealing and vnprofitable practises 33. a What they were that did sweare by the Lord and by their Malchom also and how therby they mingled religion 35. b They that both heare masse and receyue the communion mingle religion and so sweare by the Lorde and by their Malchom 36. b Distrust in God the roote of Idolatry 38. a What Malchom was 38. b To sweare rightly is to honor God. 39. b Papists can not denie themselues to be Idolaters in coupling God and his Christ with so many Malchomes 40. b Papists sometime seclude God and sometyme couple him with other 42. a Blasphemy exceedeth Idolatry 43. a Malchom by interpretation their king 44. b Starters backe threatned 46. a Those that neyther seeke after the Lorde nor regard him are Atheistes and wicked worldlings 48. a Among infinite vices common at this tyme none doeth more argue the multitude to bee Atheistes than Vsury 48. b The definition of vsury and what an Vsurer is 51. b Vsury is in more things than in money 52. b He that selleth wares dearer for dayes then ready money is an Vsurer 54. b He that delyuereth money by exchaunge dearer for vzance or double vzance than at sight is an Vsurer and the ouerplus taken in respect of tyme is forbidden vsury 55. a By the true nature of buying selling and exchaunging men in lending doe not lend that which they delyuer but that which they shall receyue and may lawfully aske at their day of payment 55. b. Their iudgementes not to be allowed which thinke that vsury maye bee taken of ryche men 57. a In respect of the common welth it is woorse to lende for vsury to the riche than to the poore 58. b Vsurers will lend nothing vnto the poore bicause they will not oppresse them 60. a He that lendeth vnto the rich for vsury augmenteth the misery of the poore 62. a The riche borower at vsury is woorse than the lender at vsury 62. a The riche taker at vsury robbeth the poore of his breade 63. a The greatest cutting is in sale of wares 63. b Vsury hath chaunge of apparell 64. b Vsurers obiections vayne and their colours deceytfull 65. b The vsurer maketh his gaine when he getteth his neyghbours Wyll tyed to an extremity either of neede or of couetousnesse 66. a Theeues houserobbers bawdes witches and sorcerers may excuse their trades as well as vsurers 67. a Barnards differēce betwene theft vsury 68. a Skeltons difference betweene fur latro 68. a A comparison of theeues to vsurers 69. a Vsurers compared vnto manye extreme and cruell things 69. b Vsurers abhorred and punished by Heathen men and Christians 70. b Vnitie of the Church torne a sunder by vsurye 72. a All sellers will sell tyme except the needy 73. a Vsurers will not be perswaded that their trade is yll bicause it is so generall 73. b Honest trade commended and the gayne lawfull though centum pro cento 74. b An example by the sale of a Horse that vsury is in sale of things for tyme. 75. a The greatest Vsurers cauell in narowest points 75. b Exchaunge of things by nature lawful honest and necessary 77. a An example by Wheate exchaunged for Rie that vsury is vsed in exchange at this time 78. a A proofe that vsury is committed in the exchaunge of moneys 81. b The exchaunge vsurers obiection of vncertain gayne aunswered 83. b The exchaunge vsurer as prouydent to foresee hys gayne as the playne vsurer 84. b The playne vsurer maye alledge vncertayne gayne as well as the exchaunger 85. a The exchaunging vsurer taketh greater vsury and that certaine than the mony vsurer and therfore the worse man. 86. a The woorst exchaunger posteth his money to and fro and maketh it a trade of gayne against the nature thereof 86. b An admonition to vsurers that they leaue their trades 87. a Vsury in trades and exchaunge is not good bicause it is so generall no more than Idolatry was the true seruice of God when it was much more generall 88. a All that wyll contynue vsurers are wicked what authoritie soeuer they haue 89. a Men may not breake Gods law to liue 89. a Vnlawfull port and countenance require vnlawfull meanes to gayne by for the maintenaunce thereof 90 a The niggard 90. b The poore man to be blamed that boroweth at vsury 91. a Three sortes of takers at vsurye and three sortes of delyuerers at vsurye consider of them all and consider which is worst 93. b The Deuill at dinner with his guestes 94. a Lack of Saints where the Deuill beareth the the Crosse 94. a If men would be honest a redresse were soone had of vsury 94. b A redresse of abuses in occupying 95. a Purchasers may not borow at vsury to compasse their matters 96. a Good trades maintayned corruption of trades spoken agaynst 97. a The riche manne of the wicked company of vsurers 98. a The meane man of that company of vsurers 99. a The condition of banckrupts and what they deserue 100. b Borowers ought to shewe their creditours what aduenture they beare by lending to them 101. a Adam Eua and the Serpent dispute 102. a The vngooly poore 102. a Colouring of straungers goodes 103. a No obstinate sinner shall escape vnpunished except he repent 104. a A worthy saying of saint Augustine 105. a God in all ages hath instructed men by mans ministery 106. a The mockers of our time woorse Tyrants and more blasphemous then those that persecute to death 107. a The holy ghost author of that scriptures 107. b The dispisers dispise God not men 108. b FINIS Imprinted at London by Henrie Denham dvvelling in Pater noster Rowe at the signe of the Starre Cum priuilegio ad imprimendum solum Anno Domini 1570.