I know, that by a Clause in a Statute made _primo Annæ_, the wilful casting away, burning, or otherwise destroying a Ship, by any Captain, Master, Mariner, or other Officer belonging to it, is made Felony, without Benefit of Clergy; but that Statute is so qualify’d, that it is difficult to convict the Offender, because the Fact must be done, to the Prejudice of the Owner, or Owners, or of any Merchant or Merchants that shall load Goods thereon, else he doth not come within its Penalty, so it doth not reach the Evil I here mention, _viz._ the abominable Contrivance of the Owners to have their own Ships destroyed, in order to make an Advantage by their Insurances; (a Crime so black in itself, that it cannot be mentioned without Horror.) These Men, when they frame their dark Designs, will take Care, for the Security of those they employ, that none besides themselves shall load Goods on the Ships they intend shall be thus destroyed, and it cannot be supposed that they receive Prejudice thereby themselves, so the Prosecution on that Statute is evaded; but if the Insured were bound to make out their Interests, and to bear a Proportionable Part of the Loss themselves, this would, as it were, naturally prevent such scandalous Practices. [Sidenote: Whether the Price of Labour is a Hindrance to Improvements in our Products and Manufactures.] Before I enter on the Business of the Poor, I will consider of a Question that hath arrisen, and I have heard sometimes debated by Men of good Understanding, which is, Whether the Labour of the Poor being so high, does not hinder Improvements in our Product and Manufactures; which having some Relation to the Subject Matter of this Discourse, I shall offer my Thoughts thereon, with Submission to better Judgments, _viz._ That both our Product and Manufactures may be carried on to Advantage, without running down the Labour of the Poor.