Subsequently I employed this man, as a matter of charity, to do some work for me, and returning to the city from a brief absence, I found that I owed him five dollars. I met him on the street that night and he informed me that his family were suffering for the necessities of life. Said he, "It was a scramble at our house this morning to get anything for breakfast, and I don't know where the next meal is coming from." My first impulse was, of course, to pay him the money I owed him, but I restrained it and waited to see if he would ask for it. He poured his tale of woe into my sympathizing ear for twenty minutes, and finally turned away and left me without his dues. As he walked away, I called him back and said, "Look here, my friend, do you know you are a fool?" "Oh, yes, Professor, I found that out long ago. But on what particular point do you find me a fool to-night?" "Don't you know that I owe you five dollars?" "Yes, sir." "Why didn't you ask for it?" "I don't know," he said in a dazed sort of way, "I simply couldn't; I came to you for it; I told you my circumstances hoping you would pay me, but I couldn't ask you for it." And he could not. His case was an extreme one; but there are many in the same position. The simple fact is, he did not have financial sense enough to ask for it. I gave him his money and told him if he needed more to come to me and I would help him further, and I did; but the best thing I did for him was to instruct him in the development of financial sense, and I got him far enough along, to enable him to ask for money when due him; but it would be a hopeless task to undertake to make a financier out of such a man. I also examined his oldest boy, and finding that he had inherited his father's weakness, I gave him and his mother special instruction for the development of financial ability. Two years later, when I visited the same city, I found him supporting his mother and the younger children from his own wages; and his mother brought her entire family to me for written examinations, and I found them well dressed and well fed; and the mother, with an expression of gratitude I shall never forget, informed me that the splendid financial energies of her son, were entirely due to the faithful performance of my instructions. And as she paid me a handsome fee for my services, and I looked upon her happy family, I felt that the gratuitous examination I had given the boy two years before had borne good fruit. I could multiply instances to prove the existence and working of each of the various special senses of the individual, represented by the phrenological organs, but I assume that the foregoing are sufficient for the purposes of the present lecture.