(1) The conveyance of each member actually living in the village to and from London at the rate of sixpence per week. Each pass should have on it the portrait of the owner, and be fastened to some article of the dress, and be available only by Workmen's Trains running early and late and during certain hours of the day, when the trains are almost empty. (2) The conveyance of goods and parcels should be at half the ordinary rates. It is reasonable to suppose that large landowners would gladly give one hundred acres of land in view of the immensely advanced values of the surrounding property which would immediately follow, seeing that the erection of one thousand or two thousand cottages would constitute the nucleus of a much larger Settlement. Lastly, the rent of a four-roomed cottage must not exceed 3s. per week. Add to this the sixpenny ticket to and from London, and you have 3s. 6d. and if the company should insist on 1s., it will make 4s., for which there would be all the advantages of a comfortable cottage--of which it would be possible for the tenant to become the owner--a good garden, pleasant surroundings, and other influences promotive of the health and happiness of the family. It is hardly necessary to remark that in connection with this Village there will be perfect freedom of opinion on all matters. A glance at the ordinary homes of the poor people of this great City will at once assure us that such a village would be a veritable Paradise to them, and that were four, five, or six settlements provided at once they would not contain a tithe of the people who would throng to occupy them. SECTION 3.--THE POOR MAN'S BANK. If the love of money is the root of all evil, the want of money is the cause of an immensity of evil and trouble. The moment you begin practically to alleviate the miseries of the people, you discover that the eternal want of pence is one of their greatest difficulties. In my most sanguine moments I have never dreamed of smoothing this difficulty out of the lot of man, but it is surely no unattainable ideal to establish a Poor Man's Bank, which will extend to the lower middle class and the working population the advantages of the credit system, which is the very foundation of our boasted commerce.