He says that the average profits of business enterprises in this country do not exceed three per cent.; that money loaning at six and seven per cent. of necessity congests the wealth of the nation; that eighty cents' worth of silver, stamped by government as a dollar, or a cent's worth of paper, bearing the same stamp, buys as much for him in the markets of the country as a gold dollar; that it is easier for him to pay his debts when money is plentiful; that the paper demand notes of '62, a full legal tender, stood at par with gold while the greenbacks, repudiated in terms by the very bill which created them, went skyward; that a contraction of currency has preceded every serious financial panic in the history of the country; that prosperity for the laborer, the producer, and the debt-payer has always accompanied currency expansion; that money loaners are strangely interested in keeping money scarce, and for that purpose fought gold in '50 when California and Australia threatened to flood us, the greenback in Lincoln's administration, and silver in '73, '78, and '91; that the farmer's products have been refused a market within a year past because there was not money to handle them; that present rates of interest consume him; and that, with good security to offer, he is obliged to pay exorbitant rates for money and in many cases is refused it altogether. Let us remember that the last word has not yet been spoken upon the financial question; that the world, even the financial world, has not seen all of truth and wisdom yet; that reason is better than authority, especially if the authority is open to a suspicion of prejudice; and that there may be a financial bigotry as hateful and unprogressive, and as much out of sympathy with this growing age, as is the dry-as-dust ecclesiasticism of the day. Every citizen should give courteous attention to the new voices that come to us from the West, and be careful that his decision, on the whole matter, is not influenced by his position as one of the creditors of the land. PSYCHIC EXPERIENCES. BY SARA A. UNDERWOOD. INTRODUCTORY REMARKS BY B. F. UNDERWOOD.