Increasing wealth brings greater risks. Wealthy cities like wealthy individuals and families must pay for their protection against robbery and piracy; against extortion and expropriation. Among important business enterprises insurance ranks high. The costs and profits of insurance are suggested by elaborate insurance company buildings and the high salaries paid to their officials. Insurance, usually a private overhead, comes high. Public insurance: maintenance of law and order, crime and punishment, the secret and open police, the armed forces, (land and sea and air) are vastly more expensive. If, to these limited costs of overhead are added the costs of militarism as a public enterprise and the ruinous costs of military adventurism and its inevitable wars, the mounting costs lead to insolvency and eventual economic and social ruin. Another overhead cost which plays havoc with civilized nations and peoples is the support of a bureaucracy. Increased extent and complexity exhaust the community capacity for voluntary service and lead into an era where the volunteers who carried on the limited public activities of a village are supplemented and eventually replaced by a constantly growing body of public servants. Growing extent and complexity plus the need for finding safe places for those who are useful to the rich and powerful, widens and deepens the public crib. In large enterprises, private as well as public, paper work employs a small army, which must be fed and housed at a level worthy of "a great nation." Business machines reduce the personnel necessary for a given social enterprise, but their high capital and operational costs increase overhead. Another aspect of overhead costs is the multiplication of parasitic professions. In simple villages, there are few body servants, no able-bodied individuals who fetch and carry at the word of command, or who only stand and wait for the moment when some whim, fancy or real need may call for their services. Village life, with its limited area and still more limited resources, has little economic surplus upon which parasitism can feed. There is landlordism, of course, but the margin of surplus is small. The city, the province, the nation, the empire present a different picture. Parasitic professions abound and proliferate: money changers, money lenders, realtors, confidence men, gamblers, fortune tellers, priests, entertainers, artists, thieves, robbers, and prostitutes abound, consume more than their share of the community income, without making an equivalent return in production or service. Their support adds to the social overhead. Another source of social overhead are the numerous followers of the "something for nothing" cult who receive unearned income--an income derived from civilization in its mature and its final stages.