it presented itself. And I am persuaded that something like this is the true explanation of practically the whole of what thoughtless people set down to luck. What we call fore-ordination is verily the present which we have made out of the past. We first make habits, and then habits make us. In our to-day walks our to-morrow, and in a very solemn sense there is no "dead past." As it has been well said, "the tree that falls so disastrously is no accident; it had the fall determined a century ago in some injury it received as a sapling." [1] There is much less luck in human affairs than is popularly supposed; and, if there were more than there is, it would, in the next place, be moral insanity to put our trust in it. "Nothing walks with aimless feet." Our life is no lottery. We may make foolish experiments with it, but we do so at our own risk. It is no plaything of chance, it is a stern responsibility which is determined by law that brooks no interference and excuses no indifference. The proverb tells us that "our lot is cast into the lap, but the whole disposing is of the Lord." And just as the dark forces that sweep through our life are not necessarily hostile forces but form part of the order of the world, so things that we regard as haphazard, merely cast into the lap of chance, may be divine agents working out a marvellous equality of opportunity throughout our human life. I affirm it without a shadow of qualification, that chance has no place whatever in the responsible formation of character, and the formation of character is the decision of destiny. Beware, then, lest in playing with this _ignis fatuus_ of chance you are trifling with law, for law will not spare you.