sets up manufactories, organises railways, puts ships on the ocean, pays for machinery, builds and improves towns, schools, and churches, encourages learning, enlarges processes of husbandry with a view to ever-increasing demands for food. The most skilful and willing workman, when placed in a country without money wherewith to employ him, is as helpless in the attempt to realise the wages of labour as the merest savage. In short, it is clear that before work can be given, there must in some measure be an accumulation of capital, or in plain language savings, in the hands of a part of the community. Such being the case, how absurd does it seem to disparage money, as if it were something sinful and dangerous. As well disparage man-power, horse-power, steam-power, or any other power. As a force, money is neither hurtful nor beneficial, neither bad nor good in itself. All depends on the way in which it is used or directed. Gunpowder can blast a quarry and bring forth stones with which a hospital may be built; but the same gunpowder in the hands of the Russians or Turks can blow thousands of men into eternity in a single day. A rich man, if he be unselfish, has in his wealth the power of making his fellow-creatures less coarse, less depraved, and as a consequence, less miserable. From the vantage-ground of high position he can fight a chivalrous battle for the afflicted and him that hath no helper. His good example will have far more effect than that of a poorer man. His influence, if directed to good and merciful objects, is as powerful for good as that of the selfish rich man is for the reverse. 'Nobody should be rich,' said Goethe, 'but those who understand it.' But when a man owns gracefully and usefully, what good may he not do in the way of opening a path for others, and giving them access to whatever civilising agencies he may himself possess! Therefore we can understand how both religion and philanthropy may treat with respect and even with reverence the motto, 'Put money in thy purse.' May we not even say that it is the desire to 'get on' and to become rich that prevents our sinking into barbarism?