The legislators do not doubt that it is reasonable and right to enact laws which provide favor for special interests, or to practice legislative strikes on insurance companies, railroads, telephone companies, etc. They laugh at remonstrance as out of date and "unpractical." The administrators of life-insurance companies, savings banks, trusts, etc., proceed on the belief that men in positions of power and control will use their positions for their own advantage. They think that that is only common sense. "What else are we here for?" It is the supreme test of a system of government whether its machinery is adequate for repressing the selfish undertakings of cliques formed on special interests and saving the public from raids of plunderers. The modern democratic states fail under this test. There is not a great state in the world which was not democratized in the nineteenth century. There is not one of them which did not have great financial scandals before the century closed. Financial scandal is the curse of all the modern parliamentary states with a wide suffrage. They give liberty and security, with open chances for individual enterprise, from which results great individual satisfaction and happiness, but the political machinery offers opportunities for manipulation and corrupt abuse. They educate their citizens to seek advantages in the industrial organization by legislative devices, and to use them to the uttermost. The effect is seen in the mores. We hear of plutocracy and tainted money, of the power of wealth, and the wickedness of corporations. The disease is less specific. It is constitutional. The critics are as subject to it as the criticised. A disease of the mores is a disease of public opinion as to standards, codes, ideas of truth and right, and of things worth working for and means of success. Such a disease affects everybody. It penetrates and spoils every institution. It spreads from generation to generation, and at last it destroys in the masses the power of ethical judgment.