FINANCE AND CREDITS 293 ler, the house he represents and the customer he sells in the accommodation it can afford them and the service it may render all parties. One of its chief uses will be to give reliable in formation as to the credit rating of customers. From a financial point of view all of Latin America may be divided into seven groups: (1) the east coast countries of Brazil, Argen tine, Uruguay and Paraguay; (2) the west coast countries of Chile, Peru, Bolivia and Ecuador; (3) the northern countries of Vene zuela and Colombia; (4) the Central Ameri can Republics of Guatemala, San Salvador, Nicaragua, Costa Rica, Honduras, with which Haiti may be considered; (5) Mexico; (6) the countries wherein American banking sys tems exist, such as Panama, Cuba, Santo Domingo and Puerto Rico, and (7) the ex tensive group of foreign possessions and islands such as British, French and Dutch Guiana, British Honduras, Trinidad, Barba dos, Jamaica, Martinique, Guadeloupe, Cur asao and St. Thomas. The first and second groups of these South