Mr. Carey explained how the moral dangers of commercial pursuits are in proportion to their gambling character. Large gains and great hazards must be more engrossing to the mind, and more stimulating to the passions than small and secure profits. The great drawback upon commerce with very remote countries is, or was, its gambling character, from the variety and seriousness of the risks, and the largeness of the profits laid on to cover them. By means of insurance against sea risks and other dangers, the losses are spread over so large a number that they cease to be losses, and become a mere tax, such as men may willingly pay for security. When a man has so introduced moderation into his gains and his losses, as to detach himself from "the cares of the world and the deceitfulness of riches," he may listen with a quiet pulse (as far as his own affairs are concerned) to the wind roaring over the sea, and need not be "afraid of evil tidings." It was quite a new view to Charlotte that her Quakers had been gambling, in fact, when they should have been trading safely; but she could not deny that it was so. Nobody wished her to give them up, in regard to their spirit of faith and trust; but nobody could stand up for their prudence. The most striking view to Charlotte was that there is nothing accidental in storms and tempests; and that it is only our ignorance which makes us call them so. The realm of Meteorology is, no doubt, governed by laws as invariable as that of Astronomy. We know this fact, though we, as yet, know little of these laws. Something more we know: and that is, the average of shipwrecks and conflagrations, in a certain condition of society; in the same way that we know the average of men that will die, out of a certain number, in a certain time: and it is this knowledge of the averages which justifies the resource of insurance in all the three cases. When Mr. Ellison at length comprehended that there were thousands of prudent men now paying their mite to compensate him for the loss of his new furniture, in case of its being burned, on the simple condition of his paying his mite also, he was so struck by their neighborly conduct, that he could scarcely express his sense of it. The ladies considered it impossible that he should feel so strongly, and be heedless about the condition on his own part. Mr. Carey shook his head. Mr. Carey was right. The wedding-day came, and the insurance was not effected.--Joanna did not like to tease her betrothed about worldly affairs. If the subject was mentioned, and the train of thought revived, he went into an enthusiasm about the benevolent class of insurers: but he did not become one himself. CHAPTER THE SECOND.