"Then," he goes on. "You make the purchase, and hand over the title-deeds. Pay them a rent and a per-centage every year until the whole is paid off, when it becomes yours." "In fact," I put it, bluffly, to him, "I can build a house without having any money; I mean, by getting the money from the Building Society?" "Precisely. Any day." I hesitate. It really is--if Cazell is correct--much better than hiring a house ... or taking lodgings. And what does Cazell think the cost will be? "Well," says he, "put it at £2,000, the outside." I reflect that the inside, too, will be a considerable expense. "A good, strong house. Why, I knew a fellow build one for £1,500. Just what you want. Then, there's the ground--say at another two. And there you are. Four thousand altogether. Well, you'd pay 'em a mere rent for that, and so much tacked on, which would, each time, reduce the principal. And when you pay your last year of rent and interest, it ought to have come down to a five-pound note." This is admirable. What a glorious society is the Building Society ... _if_ Cazell is only right. I will draw out plans at once. Will he come down with me, somewhere, and choose the land? "Certainly. Why not try Kent?" he asks. I have no objection to Kent. "But," I suggest, "wouldn't it be better, first, to settle the sort of thing wanted?" _Happy Thought._--Put it down on paper. A billiard-room, _absolute necessity_. Stables. _Do._ "Bath-room," adds Milburd, to whom, on his accidentally looking in, we appeal for assistance. [Illustration: MILBURD.] _Happy Thought._--"While I _am_ about it" (as Milburd says), "why not a Turkish bath?" In the house. Excellent! What after this? Milburd suggests smoking-room, and library. Yes. That's all. Not _all_: Milburd thinks that a Racquet Court wouldn't be bad, and _while I am about it_, it would be scarcely any more expense, to have a Tennis Court; and, by the way, a positive saving to utilise the outside walls of both, for Fives. _Query._ Won't this cost too much? "The question is," says Boodels (he has been recently improving his own house), "What is your limit?" "No, I argue, let's see what an imaginary house will cost, and then _I'll have so much of it as I want_. Say," I put it, "a house is to cost two thousand----" "Can't be done for the money," says Boodels, positively. This is rather damping, but, on consideration, it's just what Boodels _would_ say in anybody's case, except his own. [Illustration: BOODELS OF BOODELS.] I pass over his opinion and continue. "For argument's sake, let's say the house costs four thousand----" (This I feel sounds very pleasant, but what will the Building Society say, and how about the security? These, however, are details for subsequent consideration. One thing at a time: and these extras rather hamper one's ideas. So I say £4,000, and leave it at that.) "More," says Boodels, "but you _might_ do it for that."