Undoubtedly much may be done in the way of legislative and administrative steps, the right direction of which is indicated in the Report published by the House of Lords’ Commission.[11] It is important that we should urge upon Parliament the need for laws upon these lines. But apart altogether from legislation—though at the same time tending to ripen public opinion for more stringent laws—a good deal may be achieved, and it is the object of this paper to make suggestions in this direction. Unquestionably the first thing which those should do who are desirous of suppressing the gambling evil is absolutely to dissociate themselves from any form of it whatever, commercial or otherwise. Even those who play cards for insignificant stakes, or who place very small amounts upon horses—amounts so small that it is practically immaterial whether they win or lose—are nevertheless severely handicapping themselves in any effort they may make to check the gambling curse. They undo the influence which they might exert upon children, workmen, or employees, who notice that they indulge in gambling transactions, but do not notice, or at any rate soon forget, that these transactions are extremely small in amount. The influence of would-be reformers must be unreservedly opposed to the evil, even in those forms which are apparently harmless, for it is just these which are the first links in a chain which may eventually bind some weaker brother hand and foot. The writer is aware that in urging the avoidance of gambling in commercial transactions he exposes himself to the objection that gambling and commerce are apparently inextricably associated. He does not, however, seek to maintain that any hard and fast line can be drawn, transactions on one side of which are to be described as of a speculative or gambling nature, and on the other as legitimate business. He is aware that in every business there must be some amount of speculation, just as there is every time that we decide whether we shall or shall not take an umbrella when we go for a walk. He is aware, too, that in business much depends upon the special circumstances of the case and the spirit in which the transaction is undertaken, but he would nevertheless urge the importance of reducing the speculative element in business to the lowest possible point, rather than the adoption of a policy which introduces needless uncertainty as to the future.