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to mine also. Should you decide to sell or reduce, part or all, I would be entirely satisfied. The consolidation strikes me as exceedingly wise and if proper organization is effected, the new bank should prove to be a strong and profitable enterprise. I trust that my message will be quite plain to you and that you will feel at liberty to use my stock in any way that may seem to you wise. I am glad that Anna is improving slow though it is. Dr. Mann [[?]] has recently purchased a very comfortable villa at Allasio between Genoa and Nice, and when it is furnished he intends to rent it