+The thing we waste to-day, we want to-morrow.+--The money we spend foolishly to-day we have to borrow to-morrow, and pay with interest the day after. Wastefulness destroys the seeds of which prosperity is the fruit. Wastefulness throws away the pennies, and so must go without the dollars which the pennies make. Years of health and strength spent in hand-to-mouth indulgence inevitably bear fruit in a comfortless old age. CHAPTER VI. Exchange. The jack-of-all-trades is a bungler in every one of them. The man who will do anything well must confine himself to doing a very few things. Yet while the things a man can produce to advantage are few, the things he wants to consume are many. Exchange makes possible at the same time concentration in production and diversity of enjoyment. Exchange enables the shoemaker to produce shoes, the tailor to make coats, the carpenter to build houses, the farmer to raise grain, the weaver to make cloth, the doctor to heal disease; and at the same time brings to each one of them a pair of shoes, a coat, a house, a barrel of flour, a cut of cloth, and such medical attendance as he needs. Civilization rests on exchange. THE DUTY. +It is the duty of each party in a trade to give a fair and genuine equivalent for what he expects to receive.+--Articles exchanged always represent work. And it is our duty to make sure that the article we offer represents thorough work. Good honest work is the foundation of all righteousness. Whatever we offer for sale, whether it be our labor for wages, or goods for a price, ought to be as good and thorough as we can make it. To sell a day's work for wages, and then to loaf a part of that day, is giving a man idleness when he pays for work. To sell a man a shoddy coat when he thinks he is buying good wool, is giving him cold when he pays for warmth. To give a man defective plumbing in his house when he hires you for a good workman, is to sell him disease and death, and take pay for it. Selling adulterated drugs and groceries is giving a man a stone when he asks for and pays for bread. If, after we have done our best to make or secure good articles, we are unable to avoid defects and imperfections, then it is our duty to tell squarely just what the imperfection is, and sell it for a reduced price. On no other basis than this of making genuine goods, and representing them just as they are, can exchange fulfill its function of mutual advantage to all concerned. THE VIRTUE.