The cost of moderately sized buildings would of course depend on circumstances, but it should not exceed a few hundred dollars; and as it would be a more profitable investment for a county to help a settler, that is already on the ground, to get a start, than to spend the money trying to get him there, as is the practice now, there can be no serious reason why the voters should not authorize their local Government to extend the necessary aid, and make it optional with the borrower whether he shall pay in money or work; the length of time and other details to be governed by circumstances, but no interest to be charged. If this last causes some apparent loss, let it be charged to the old pumpkin fund. There are people of small means who have taken mortgages on land, and these must be protected, as we have already done in the case of like investors in paper-represented property. But if these small lenders are already owners of one hundred and sixty acres they must make the best terms they can with their debtors, for it is a cardinal idea of this needed readjustment that no one shall own more than 160 acres. But if the lender does not own that amount of land, he can get and hold title as at present. - The result of the proposed change being to keep the income of the whole country within its own borders, it follows that every section must find itself with an abundance of capital such as was never known to them before, giving them the means to carry on improvements that are entirely beyond them now. At the present time, too, if a laborer, through errors of judgment, should lose the savings of his years of youth and strength, he can rarely recover the ground lost, and finds that paying his way from day to day thereafter is all he can do, and when his work days are gone for good he must either go to the poor-house or be cared for by his relations, whose own load is about all they can bear up under. With the income kept where it is made all this is would be changed, for then, instead of having work only a part of the time, and poor wages besides, the laborer, when his work for private parties gave out, could get work from the local Government, which always has it to give, and the money to pay for it. And should a laborer here and there through some unforeseen cause, be forced by poverty and age to accept food and shelter that he cannot pay for, his relations can provide for him, for the getting of the mere food and clothing will not be the momentous question that it is now. And this power of the local Government to give work will save many a one from a fate that should never overtake the honest and willing.