The truth is that we seldom calculate or have any occasion to calculate individual chances except as a matter of curiosity. It is true that insurance offices calculate probabilities, but it is not the probability of this or that man dying at a particular age. The precise shade of probability for the individual, in so far as this depends on vital statistics, is a matter of indifference to the company as long as the average is maintained. Our expectations about any individual life cannot be measured by a calculation of the chances because a variety of other elements affect those expectations. We form beliefs about individual cases, but we try to get surer grounds for them than the chances as calculable from statistical data. Suppose a person were to institute a home for lost dogs, he would doubtless try to ascertain how many dogs were likely to go astray, and in so doing would be guided by statistics. But in judging of the probability of the straying of a particular dog, he would pay little heed to statistics as determining the chances, but would proceed upon empirical knowledge of the character of the dog and his master. Even in betting on the field against a particular horse, the bookmaker does not calculate from numerical data such as the number of horses entered or the number of times the favourite has been beaten: he tries to get at the pedigree and previous performances of the various horses in the running. We proceed by calculation of chances only when we cannot do better. [Footnote 1: _Empirical Logic_, p. 556.] [Footnote 2: Mr. Jevons held that all inference is merely probable and that no inference is certain. But this is a purposeless repudiation of common meaning, which he cannot himself consistently adhere to. We find him saying that if a penny is tossed into the air it will _certainly_ come down on one side or the other, on which side being a matter of probability. In common speech probability is applied to a degree of belief short of certainty, but to say that certainty is the highest degree of probability does no violence to the common meaning.] CHAPTER X. INFERENCE FROM ANALOGY.