A Scotsman came to Canada about forty years ago, with nothing but his hands to help himself. He had been used to farming at home, and here he hired himself out to a farmer. Year after year he toiled on, worked and saved. In about fifteen years he found that he had saved enough to buy and pay cash for a farm. You, no doubt, reader, think it a long time to work for the first start, but just wait and see what he did when he got a start. He marries his employer’s daughter and sets up farming for himself. If he was a good hired man, he was equally good as a boss, and his farm began to bloom and season after season to look neater. Keeping right on, even with the low prices which he then got for his grain, he added to his farm until he owned absolutely and farmed 150 acres of Ontario’s best lands. Now he is on the high road to success, but the big Scotch heart within him went out to his father-in-law, and this came near being his ruin. His father-in-law had been a wealthy man, but became involved, and the son-in-law endorsed for the father-in-law for a sum as great as his land was then worth. It is only the old history of such endorsations to repeat: the endorser had to pay, of course. The father-in-law failed, leaving the young man almost penniless. Neighbors, not of the sterling stuff he was made of, advised him to sell his stock, because that was not mortgaged, and take the money and run away. “I will pay every cent,” said the honest Scot, “only give me time.” Away he went to the holders of the notes, and plainly and squarely told them that he could not pay them now, but if they would wait he would pay them every cent. “Then you are not going to run away?” “Never! I will work it all out in a little while if you will only wait.” And wait they did.