"They have learned that money is not a necessity; that it is only the means to an end. They have learned that confidence in each other, among members of a co-operative colony, working unselfishly together, largely takes the place of money. "They have learned that practical education equips them with a knowledge, of how to deal justly with each other, in all the social relations of life. "They have learned that the pathway which leads to success, in winning the largest measure of all these advantages, is reached by adopting unselfish methods, which will insure the welfare of all. They have learned that this condition may be attained by building up co-operative systems that furnish remunerative self employment, and at the same time enables them to enjoy free access to the natural sources of life. "They have learned that this free access cannot be secured, without first obtaining permanent control of the necessary tracts of land, not less than ten acres per capita. They have learned that these tracts should contain at least five thousand acres, in order to properly support an industrial co-operative colony of one thousand people. "They have learned that the social, ethical and intellectual advantages offered to the individual, by this co-operative colony life, are even greater than those relating to the question of finance. "They have learned, that when selfish distrust of each other is once banished from the minds of the workers by the force of repeated examples of co-operative success; then, it will be practical and easy to organize the farms and farm laborers of this Republic, with its army of the poor and the unemployed of every class, into systems of co-operative farm villages, or similar industrial associations. "In this knowledge our people rejoice! They are filled with an unselfish desire to spread the good news broadcast! Can you, my dear Fern! imagine for them, a purpose in life more noble or more worthy?" "No, my dear Fillmore! I cannot! So eloquently have you stated the case, that the outlook for the future is glorious! How graphically you have pictured the growing importance of this question of insurance! I am amazed, and more deeply interested than ever! I never before dreamed it possible, that the co-operative farm could offer so much defense against the calamities of life, which grow out of the pinching pressure of poverty! "The scheme for providing for the members of the Mother's Club, and for retiring co-operators at the age of fifty, meets my enthusiastic approval! I am sure it will commend itself to the workers and thinkers of the world! To me, it seems admirable, from every point of view!" CHAPTER XXXV. THE MOTHER'S CLUB. "Mark it well, Fillmore! I have now reached a very important question. What have you to tell me about stirpiculture, as a part of the co-operative farm movement?"