Mr. Ellison stared; for his sympathy with Charlotte's sentiment was so strong, that he was looking at her with beaming eyes, and softly ejaculating, "Dear Charlotte! dear child!" It took some time to convince both (for young ladies of sixteen sometimes see things less clearly than six years before and ten years after that age) that, if precious papers and gifts are unhappily lost in a fire, that is no reason why tables and chairs, and fish-kettles and dredging-boxes, and carpets and house linen should not be paid for by an Insurance Office; but at last both young lady and pastor saw this. Still, Charlotte did not look satisfied; and her father invited her to utter what was in her mind. After some fencing about whether her thoughts were silly, and whether it would be silly to speak them, out came the scruple. Was there not something worldly in thinking so much about money and the future? "Dear Charlotte! dear child!" again soliloquized Mr. Ellison. Mr. Carey did not think the apprehension silly; but, in his opinion, the danger of worldliness lay the other way. He thought the worldliness lay in a man's spending all his income, leaving wife and children to be maintained by their neighbors, in case of accidents which may happen any day to any body, and which do happen to a certain proportion of people, within an assigned time, as regularly as death happens to all. Charlotte had nothing to say against life insurance, because every man knows that he shall die; and there is no speculation in the case. But she was extremely surprised to hear that there is an equal certainty, though of a narrower extent, about fire, and other accidents; that it is a fact that, out of so many householders, such and such a number will have their houses burned down. "Is it indeed so?" asked Joanna. "It is indeed so. Moreover, out of so much property, such and such an amount will perish by fire. Every householder being bound in with this state of things for his share of the risk, he owes it equally to others and to himself to secure the compensation, in case of accident. Does he not?" "How to others?" "Because he should contribute his share to the subscription, if you like to call it so, by which the sufferer from fire, whoever he be, is to be compensated. Thus, you see, Charlotte, that which seems to you an act of worldliness is a neighborly act, as well as a prudent one."