Joseph Schumpeter credits the late scholastics of the 14th to 17th century as "coming nearer than any other group to being the 'founders' of scientific economics" as to monetary, interest, and value theory within a Bank deposit record book natural-law perspective.[53] Two other groups, later called 'mercantilists' and 'physiocrats', more directly influenced the subsequent development of the subject. If that habit continues, the consolidation will not benefit them much because they will simply increase their credit card balances again. Because of the theoretical advantage that debt consolidation offers a consumer that has high interest debt balances, companies can take advantage of that benefit of refinancing to charge very high fees in the debt consolidation loan. Analysis often revolves around causes of such price stickiness and their implications for reaching a hypothesized long-run equilibrium