A life and accident insurance system would be worked out in all its details, and a sufficient part of the annual rental of $120 a year set apart for that purpose to provide both accident and life insurance for every Homecrofter during the five year period of service in the reserve. In the event of the death or permanent disability of any Homecrofter, either in time of peace or during actual warfare, the fee simple title to an acre Homecroft in lieu of a pension should vest in his heirs or in the person who would have been entitled to a pension if the general pension system had been applicable to the case. In this way the burden on the people of an enormous pension roll as the aftermath of a war would be obviated. The value of the Homecroft secured in lieu of a pension would be much more than $1000. It would not only furnish a permanent home for the survivors, but a home that would yield them a living and $500 or $1000 a year and over as the income from fruit, berries, vegetables, and poultry produced on the Homecroft. The advantages to the family of the Reservist of this plan over the ordinary pension system is too manifest to need comment. Its advantage to the people can be appreciated when we bear in mind that the amount already paid out for pensions on account of the Civil War is $4,457,974,496.47 and $46,092,740.84 more on account of the Spanish-American and Philippine Wars. The Homecrofts that would go to the families of Reservists under this plan would not be located in the same communities as those occupied by active Reservists, but in Homecroft Rural Settlements created and organized for the special purpose of Homecroft grants in lieu of pensions or life insurance or accident insurance. The right to a Homecroft in lieu of a pension should arise not only in case of death, but also in the event of any serious permanent injury disabling the Reservist from active service or from labor in ordinary commercial or industrial vocations. _That is what the Homecroft Reserve System would offer to the individual Homecrofter. Is there any doubt that it is a good proposition for him and his family?_ The chief difficulty in bringing the public to a realization of the advantages of the Homecroft Reserve System, particularly its financial advantages, is to get away from the common idea that a thing can be done on a small scale, but not on a large scale. Many things can be done on a large scale better and more economically than on a small scale, _and this is one of them_. _The problem of providing adequately for the national defense of a country as big as the United States is a large problem and must be solved in a large way._