“…19. For other literature denying the claim that free banking demonstrates the benefits of FRB, see Bagus and Howden (2011), Baxendale (2010), Huerta de Soto (1995, 1998, 2001), Hülsmann (1996), Hulsmann (2002a, b, 2003), Salerno (2012), and Rothbard (1988, 1992). For publications making this case see Horwitz and Bodenhorn (1994), Sechrest (1989a, b, 1991a, b, 1993, 2007), Selgin (1988, 1994, 1998), and White (1995).…”