Whatever tends to enlighten the great body of the people facilitates individual accumulation. A large portion of the productions of industry, especially amongst the humbler classes of the community, is wasted, in addition to that portion which is enjoyed. Every consumption that is saved by habits of order, by knowing the best way of setting about a thing, by economy in the use of materials, is so much saved of the national capital; and what is saved remains to give new encouragement to the labour of the producer, and to bestow an increase of comforts upon the consumer. Again, the more that professional skill of every sort is based upon real knowledge, the more productive will be the industry of every class of labourers. Above all, sound morals, and pure and simple tastes, are the best preservatives from wasteful expenditure, both in the rich, and in the poor; and he that limits his individual gratification to objects worthy of a rational being, has the best chance of acquiring a sufficiency for his wants, and of laying by something to provide a fund for that productive consumption by which the wants of others are supplied. With these general remarks upon accumulation and consumption, let us proceed to consider some points connected with the application of capital. The use of capital consists in its advance. It goes before all operations of labour and trade. It is the power that sets labour and trade in motion; just as the power of wind, or water, or steam, gives movement to wheels and pistons. Let us briefly see how capital operates upon the three great branches of human industry, namely, upon agriculture, manufactures, and commerce. A farmer having acquired capital, either by the former savings of himself or his fathers, or by borrowing from the savings of others, takes a certain number of acres of land. He changes his capital of money into other things which are equally capital;--into horses, and cows, and sheep, and agricultural instruments, and seed. He makes an advance in the hope of producing a profit. He therefore sets his horses to work;--he gets milk from his cows;--he shears his sheep;--he fattens his oxen;--and he put his tools into the hands of labourers, to prepare the ground for the reception of his seed. He is paying money away on every side, which he would not do if he did not expect a return, with a profit. By all these operations--by the work of his horses and his labourers--by the increase in number, and the increase in value of his flocks and herds,--and by the harvest after the seed-time,--new produce is created which produces a return of capital, and ought to produce a profit if that capital is properly expended. The hope of profit sets the capital to work, and the capital sets the labour to work. If there were no capital there would be no labour. Capital gives the labourer the power, which he has not in himself, of working for a profit.