Each Reservist would pay for the use of the Homecroft and for educational instruction for himself and family, a net annual rental of $120, being twelve per cent on the fixed capitalized value of $1000 placed on each Homecroft. Of that rental of twelve per cent, four per cent would be apportioned to interest, and two per cent to create a sinking fund that would cover the entire principal in fifty years. The remaining six per cent would cover expenses of operation and maintenance, instruction, and all other expenses connected with the Homecroft Reserve Establishment, including military expenditures. The government would be under no expense whatsoever for the maintenance of this Homecroft Reserve Establishment that would have to be borne out of the general revenues, not even for field maneuvers. There would be no expenses of railway transportation to those maneuvers. Every regiment would march to and from its annual encampment. One hundred and twenty dollars a year would be the revenue to the government from one Homecroft. After that it becomes merely a question of multiplying units. The revenue from 5,000,000 Homecrofts would be $600,000,000 a year. As fast as the capital was needed for investment in the creation and establishment of Homecroft Reserve Rural Settlements, it could be easily secured by the government. A plan that would insure this would be the adoption of a financial system to cover this branch of the operations of the Government which would be modeled after the French Rentes System. Instead of Government Bonds, as they are now called, Government Homecroft Certificates would be issued, bearing four per cent interest, in denominations of twenty-five dollars. The interest on each certificate would be one dollar a year. If such certificates were available, the purse strings of the people would be opened to take them as readily as those of the French people were opened to take the securities issued by the French Government to pay the war debt of a billion dollars to Germany after the Franco-Prussian War. $500,000,000 a year of these certificates could be issued every year for ten years. That would complete the work of creating the entire Homecroft Reserve Establishment and provide the capital of $5,000,000,000 necessary for investment therein. Starting from that point, in fifty years thereafter the entire investment of $5,000,000,000 would have been repaid with all current interest, and the government would own the 5,000,000 Homecrofts free and clear of all indebtedness or financial obligations relating thereto. Now put the two propositions side by side and look at them. An increase of 100,000 men in the Standing Army would mean in fifty years: 1. An expense of $5,000,000,000 for maintenance. 2. An economic waste of another $5,000,000,000, being the potential labor value of the 100,000 men who would be withdrawn from industry.