“We will conclude with a practical suggestion or two. Building clubs have been a great boon to the saving element in our community. It is the wish of most people to have a house of their own, and these clubs find, for hundreds, the readiest means to that end. They have made easy the borrowing and the paying back of money, and they have been the means of simplifying mortgage deeds which, for clubs, are only £2 ,, 5s., and if got up simpler, and printed, instead of being written, might easily and profitably be done for a guinea. Could not they confer a still greater boon on the community by combining, and compelling by a strong voice, the lawyers to systematize and cheapen the present mode of conveyancing? This would be a great work, and might be done. Still better would it be to combine to send up suggestions to Parliament for a simpler and better plan, such as would lead to the passing of an Act for the embodiment of this great and much-needed reform.” ACCOUNTS. The following additional subscriptions complete the account of receipts for St. George’s Fund to 15th January, 1875. £ s. d. 25. Gift 5 0 0 26. Gift 1 13 4 30. Gift 0 2 6 37. Gift 5 0 0 38. Annual (1875) 1 1 0 39. Gift (on condition of being immediately used) 25 0 0 40. Gift 2 0 0 41. Gift 5 0 0 44. Third Donation (1874) 10 0 0 --------- £54 16 10 FORS CLAVIGERA. LETTER LI. Herne Hill, 9th Feb., 1875. I have been so much angered, distressed, and defeated, by many things, during these last autumn and winter months, that I can only keep steadily to my business by insisting to myself on my own extreme value and importance to the world; and quoting, in self-application, the most flattering texts I can find, such as, “Simon, Simon, Satan hath desired to have you,” and so on; hoping that at least a little more of my foolishness is being pounded out of me at every blow; and that the dough I knead for Fors may be daily of purer wheat.