Secondly, we have to study the effects of the mode in which Captain Roland empties his purse. The landlord, usurer, or labor-master, does not, and cannot, himself consume all the means of life he collects. He gives them to other persons, whom he employs for his own behoof--growers of champagne, jockeys, footmen, jewelers, builders, painters, musicians, and the like. The division of the labor of these persons from the production of food to the production of articles of luxury is very frequently, and at the present day, very grievously the cause of famine. But when the luxuries are produced, it becomes a quite separate question who is to have them, and whether the landlord and capitalist are entirely to monopolize the music, the painting, the architecture, the hand-service, the horse-service, and the sparkling champagne of the world. 146. And it is gradually, in these days, becoming manifest to the tenants, borrowers, and laborers, that instead of paying these large sums into the hands of the landlords, lenders, and employers, for them to purchase music, painting, etc., with, the tenants, borrowers, and workers had better buy a little music and painting for themselves. That, for instance, instead of the capitalist-employer paying three hundred pounds for a full-length portrait of himself, in the attitude of investing his capital, the united workmen had better themselves pay the three hundred pounds into the hands of the ingenious artist, for a painting in the antiquated manner of Leonardo or Raphael, of some subject more religiously or historically interesting to them; and placed where they can always see it. And again instead of paying three hundred pounds to the obliging landlord, for him to buy a box at the opera with, whence to study the refinements of music and dancing, the tenants are beginning to think that they may as well keep their rents to themselves, and therewith pay some Wandering Willie to fiddle at their own doors, or bid some gray-haired minstrel "Tune, to please a peasant's ear, The harp a king had loved to hear." And similarly the dwellers in the hut of the field and garret of the city are beginning to think that instead of paying half a crown for the loan of half a fire-place, they had better keep their half-crown in their pockets till they can buy for themselves a whole one.