Letter from Ralph to Benjamin--Ralph's Epic Poem--Assisted Ralph's Wife--How He and Ralph Separated--Kindness of Wilcox, the Bookseller-- Loaning Books--Benjamin Reviews "Religion of Nature"--Talk with Watts, and His Opinion of It--Interview with Doctor Lyons--Doctor Pemberton-- Lived to See His Folly--Interview with Sir Hans Sloane--Benjamin's Attack on Beer Drinking--His Sound Argument--Jake, the Ale Boy--Called "A Water Drinker"--Discussion with Watts--Refused to Treat the Company-- Visits His Old Press Forty Years After. XXVIII. AT HOME AGAIN. What Became of Ralph--Benjamin Teaching Two Companions to Swim--Who Was Wygate?--The Excursion to Chelsea--Benjamin Swims Four Miles--Antics in the Water--Sir W. Wyndham Proposes He Should Open a Swimming School-- Wygate's Proposition to Travel--Denham's Advice--Cheaper Board--Incident Showing Denham's Character--Denham Offers to Employ Him as Clerk in Philadelphia--Leaves Printing House for Warehouse--Returns to Philadelphia. XXIX. UPS AND DOWNS OF LIFE. Visits Keimer's Printing Office--Calls on Deborah Read--Her Marriage to Rogers, and Divorce--Visit to Deborah Leads to Re-engagement--Now a Merchant's Clerk--Denham and Benjamin Both Sick--Denham Died and Left Legacy to Benjamin--Arrival of Captain Homes--Working for Keimer Again--The Latter Making Trouble--Benjamin Leaves Him--Interview with Meredith--Proposition to Go into Company in Printing Business--Meredith's Father Loans Capital. XXX. THE LEATHERN APRON CLUB. Reflecting on His Religious Belief--Rules He Wrote on the _Berkshire_ and Introduction to Them--The Leathern Apron Club--Patterned after Cotton Mather's--The Questions Asked--Benjamin's Explanation--The Compact Signed--Bringing in Books They Owned--Establishing the First Library in the Land--Questions Discussed by the Club--No Improvement on This Club--Benjamin's View of It in Age--Organizing Other Clubs-- Studying the Languages--Benjamin's Success. XXXI. BRIGHTER DAYS. Proposition from Keimer--Discussion of It with Meredith--Returns to Keimer--Printing Money for New Jersey at Burlington--The Surveyor General's Life--His Talk with Benjamin--Starting New Firm, Franklin and Meredith--The First Job--Predictions of Its Failure by Nickle and Merchants' Club--Doctor Baird Differed--A Proposition from a Stationer--Interview with Webb--Plan for Starting a Paper Made Known-- Keimer's Paper--Benjamin's Articles in _Mercury_--Buys Keimer's Paper--Dissolves Partnership--Rum the Cause--The _Gazette_ a Success. XXXII. NO LONGER A SKEPTIC. Time is Money--The Lounger Rebuked--Maxims--Avoiding Slander and Abuse--Revising His Religious Belief--Articles of Belief--Code of Morals Adopted--Creed for "United Party of Virtue "--Letters to Friends--Proposed Prayers in Congress and Speech--Epitaph for His Tombstone Written at Twenty-three. XXXIII. POOR RICHARD'S ALMANAC.