The monopoly of the banks merges here with the monopoly of ground rent and with the monopoly of the means of communication, since the increase in value of the land and the possibility of selling it profitably in allotments is mainly dependent on good means of communication with the center of the town; and these means of communication are in the hands of large companies connected, by means of the holding system and by the distribution of positions on the directorates, with the interested banks.