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exposed, the social and political consequences would be most beneficial.

I once also heard another orator who was dilating upon the ills of life declare that the great cause of human woe was the "devil of interest." There is no doubt that interest is an awful devil. Your feeling towards this devil, however, depends on whether you are working for him or he is working for you. If you are working for him, especially if you have bound yourself to terms which are imprudent, beyond your strength, and full of gambling risk, then he is an awful taskmaster. You dare not eat, or sleep, or play. Pay-day seems to come every other day. Instead of winning release by work, you may see your load grow bigger and bigger, in spite of all you do, until you come to ruin. Therefore, when you are going to work for him, which we all have to do sometimes, you must be sure that you undertake only what you can accomplish within the conditions in which you find yourself. But if the devil of interest is working for you, he will work while you eat, and sleep, and play, and while you work to earn more. You must be careful to have him well harnessed and to give him proper superintendence and directions. Then, if time seems to you to slip away rapidly, and if old age comes on apace, the devil of interest will give you the only consolation you can get for your failing powers. When you turn to your savings bank book you will see that your capital is increasing just as rapidly as the flight of time, and that it will be ready to support your existence when your ability to work gives out. I have spoken about the power and beneficence of capital to maintain civilization; this last is its power and beneficence to guide the fate and sustain the happiness of the individual.