To go back now to our general maxims, I may at last, as a fifth and final practical maxim about habits, offer something like this: _Keep the faculty of effort alive in you by a little gratuitous exercise every day._ That is, be systematically heroic in little unnecessary points, do every day or two something for no other reason than its difficulty, so that, when the hour of dire need draws nigh, it may find you not unnerved and untrained to stand the test. Asceticism of this sort is like the insurance which a man pays on his house and goods. The tax does him no good at the time, and possibly may never bring him a return. But, if the fire _does_ come, his having paid it will be his salvation from ruin. So with the man who has daily inured himself to habits of concentrated attention, energetic volition, and self-denial in unnecessary things. He will stand like a tower when everything rocks around him, and his softer fellow-mortals are winnowed like chaff in the blast. * * * * * I have been accused, when talking of the subject of habit, of making old habits appear so strong that the acquiring of new ones, and particularly anything like a sudden reform or conversion, would be made impossible by my doctrine. Of course, this would suffice to condemn the latter; for sudden conversions, however infrequent they may be, unquestionably do occur. But there is no incompatibility between the general laws I have laid down and the most startling sudden alterations in the way of character. New habits _can_ be launched, I have expressly said, on condition of there being new stimuli and new excitements. Now life abounds in these, and sometimes they are such critical and revolutionary experiences that they change a man's whole scale of values and system of ideas. In such cases, the old order of his habits will be ruptured; and, if the new motives are lasting, new habits will be formed, and build up in him a new or regenerate 'nature.'