"If practical experience should prove that larger savings are necessary; an additional two and one-half per cent profit, may be set aside for this fund, without seriously curtailing the sums devoted to educational and missionary purposes. This will surely cover all possible contingencies. More especially, as seven and one-half per cent of all retired pay, will come back to the fund as profits on purchases--active workers having taken the place of the retired members. Considering the generous annuity provided by this insurance, together with the fact that the wants of the pensioners will become fewer as age increases; doubtless, at the end of each year, many of them will turn back into the fund, considerable sums of unused pay. "As another important factor, connected with the question of this kind of insurance, it should be well understood, that after reaching the age of retirement, our members do not cease to be valuable productive workers, either for the financial gain of the colony, or for the general welfare of the movement, which the colony represents. On the contrary, in many cases, their services are liable to become more valuable than ever before. Between the ages of fifty and sixty, they remain subject to assignments to serve on committees, to act as traveling agents for the company, to represent the company as lecturers and organizers, for the spread of the movement; to act as aids to the teachers in the schools and the numerous clubs. They are also eligible to election as town, county, state or United States officials. In committee work, connected with the store and the various factories, their riper judgment, based on many years of experience, would prove especially valuable: often by timely advice, they would be able to save for the company in one transaction, an amount in money more than equal to their entire wages for the year. "In another way their services would prove equally advantageous. With such an increase of leisure, there would come to these retired co-operators, a desire, and the opportunity, to enter more actively into the practical work of the scientific clubs. If inclined, they could take up all kinds of scientific research; making themselves especially useful in the practical, productive and profitable work of the educational, microscopical, chemical and photographic clubs. Those who had a talent for invention, could then devote as much time, energy and thought to it, as they chose. To aid them, they would have the advantage of an acquired skill in the use of tools, and of all kinds of complicated machinery, which would be a part of the outfit belonging to the thoroughly equipped machine shop at their disposal. In the laboratory, they could find the books, maps, and drawings, necessary to bring them up to date in any line of invention which they might choose to enter.