5. The influence of the government has also been exerted so far as could be to the encouragement of habits of thrift among the people by the establishment of postal savings banks and other inducements for wage-earners to save their money. Ninety per cent of the population of India lives from hand to mouth and depends for sustenance upon the crops raised upon little patches of ground which in America would be too insignificant for consideration. There is very seldom a surplus. The ordinary Hindu never gets ahead, and, therefore, when his little crop fails he is helpless. [Illustration: A TEAM OF "CRITTERS"] The munificence of Mr. Henry Phipps of New York has enabled the government of India to provide one of the preventives of famine by educating the people in agricultural science. A college, an experimental farm and research laboratory have been established on the government estate of Pusa, in southern Bengal, a tract of 1,280 acres, which has been used since 1874 as a breeding ranch, a tobacco experimental farm and a model dairy. No country has needed such an institution more than India, where 80 per cent of the population are engaged in agricultural pursuits, and most of them with primitive implements and methods. But the conservatism and the illiteracy, the prejudices and the ignorance of the natives make it exceedingly difficult to introduce innovations, and it is the conviction of those best qualified to speak that the only way of improving the condition of the farmer classes is to begin at the top and work down by the force of example. During a recent visit to India this became apparent to Mr. Phipps, who is eminently a practical man, and has been in the habit of dealing with industrial questions all of his life. He was brought up in the Carnegie iron mills, became a superintendent, a manager and a partner, and, when the company went into the great trust, retired from active participation in its management with an immense fortune. He has built a beautiful house in New York, has leased an estate in Scotland, where his ancestors came from, and has been spending a vacation, earned by forty years of hard labor, in traveling about the world. His visit to India brought him into a friendly acquaintance with Lord Curzon, in whom he found a congenial spirit, and doubtless the viceroy received from the practical common sense of Mr. Phipps many suggestions that will be valuable to him in the administration of the government, and in the solution of the frequent problems that perplex him. Mr. Phipps, on the other hand, had his sympathy and interest excited in the industrial conditions of India, and particularly in the famine phenomena. He therefore placed at the disposal of Lord Curzon the sum of $100,000, to which he has since added $50,000, to be devoted to whatever object of public utility in the direction of scientific research the viceroy might consider most useful and expedient. In accepting this generous