_Fifth_: Credit from a commercial point of view, when granted to create consumable commodities, the necessaries of life, is filling its proper function. _Sixth_: Credit granted to facilitate the sale, transfer and distribution of consumable commodities, the necessaries of life, is filling its proper function from a commercial point of view. _Seventh_: Credit extended in the form of acceptances of checks, drafts or bills of exchange, growing out of the actual production and distribution of the necessaries of life, is filling its proper function from a commercial point of view. _Eighth_: Credit obtained through accommodation acceptances or indorsements is a bane to and peril of commerce, especially if such credit is used in real estate investments, and more particularly in speculation. _Ninth_: Credit granted upon real estate securities should depend entirely upon the investment fund of the country for its cancelation. So far as such credit is canceled by appropriating the commercial fund of the country, labor will be thrown out of employment, production and consumption will cease to a corresponding degree, and this will measure the amount of human suffering that is sure to follow. _Tenth_: Real estate is not a proper basis for currency, because it is not a consumable commodity with a ready market where it can be converted into gold and because the value of real estate from the standpoint of our currency needs is unlimited and therefore necessarily not convertible into gold coin which is always essential to a sound currency. The history of credit granted to our Government or forced by our Government from the people will furnish plenty of food for our appetites, humble our pride, and recall most sickening experiences one week from tonight. Don't you think so, Mr. Banker? MR. BANKER: I certainly do. MR. LAWYER: So do I. And even then we cannot do the subject half justice; but I suppose that we must get through some time. UNCLE SAM: I see that Mr. Farmer is now wide awake, but that Mr. Laboringman over there is starting for the land of nod, because Mr. Farmer is not keeping him awake by his snoring, so I think I'd better say good night. EIGHTH NIGHT COLONIAL CREDIT MONEY UNCLE SAM: When we parted last Wednesday night, we all agreed to make our experiences in Government issues of money the subject of inquiry tonight, and I presume you have all been spending your days and nights in studying American history, that is, in studying me.