[8] The interests of the salaried and wage-earning classes will, in so far as their salaries and wages tend to be steadier in money-value than in real-value, coincide with those of the inactive capitalist group. The interests of the consumer will, in so far as he can vary the distribution of his floating resources between cash and goods purchased in advance of consumption, coincide with those of the active capitalist group; and his decisions, made in his own interests, may serve to reinforce the effect of those of the latter. But that the interests of the same individual will often be those of one of the groups in one of his capacities and of the other in another of his capacities, does not save the situation or affect the argument. For his losses in one capacity depend only infinitesimally on him personally refraining from action in his other capacity. The facts, that a man is a cannibal at home and eaten abroad, do not cancel out to render him innocuous and safe. But there is a further reason, connected with the above but nevertheless distinct, why modern methods of production require a stable standard,--a reason springing to a certain extent out of the character of the social organisation described above, but aggravated by the technical methods of present-day productive processes. With the development of international trade, involving great distances between the place of original production and the place of final consumption, and with the increased complication of the technical processes of manufacture, the amount of _risk_ which attaches to the undertaking of production and the length of time through which this risk must be carried are much greater than they would be in a comparatively small self-contained community. Even in agriculture, whilst the risk to the consumer is diminished by drawing supplies from many different sources, which average the fluctuations of the seasons, the risk to the agricultural producer is increased, since, when his crop falls below his expectations in volume, he may fail to be compensated by a higher price. This increased risk is the price which producers have to pay for the other advantages of a high degree of specialisation and for the variety of their markets and their sources of supply. The provision of adequate facilities for the carrying of this risk at a moderate cost is one of the greatest of the problems of modern economic life, and one of those which so far have been least satisfactorily solved. The business of keeping the productive machine in continuous operation (and thereby avoiding unemployment) would be greatly simplified if this risk could be diminished or if we could devise a better means of insurance against it for the individual _entrepreneur_.