Prop. 3. That, in addition to the interest money of the chapel so paid off, it shall not contribute less than ten shillings for every L100. of debt, till the whole of the debts are paid off the chapels in the county; by which means the deficiency of ten shillings in the pound will be made up without distressing the churches. Prop. 4. That any church whose lot it may fall to, at the Association, to have its debt paid, who shall the next year pay the half of its debt, shall be considered to have fulfilled its agreement, and shall be liable only to its small contribution at the rate of ten shillings for every L100 debt so redeemed. Prop. 5. That every church whose debt shall be paid off, shall bring forward sufficient and satisfactory security for the fulfilment of its contract, which may be done by four or five persons joining together for that purpose. EXPLANATION. Suppose the debt of a chapel which is paid off to be L600; the responsible agents above referred to shall contribute annually, till it arrives to L300, half the debt, when they will have fulfilled their agreement. But they must, from the first payment of interest till all the chapels are out of debt, contribute ten shillings for every L100 of debt, which sum, with the united exertions of the churches, will liquidate the other ten shillings in the pound. For instance: Suppose the churches in one county to be thirty, an annual contribution of three pounds from each will produce L90; this, added to the interest of the chapel so cleared, will make L120, to pay off the debt of another chapel, which shall also contribute to its interests, and small annual contribution; and so on, till all the churches are out of debt. This plan is similar to lending money without interest, as the interest paid clears the principal, and the principal they will only have to pay at ten shillings in the pound, the small annual contributions making up the deficiency. A list of the churches and their debts should be placed every year in the Magazines, with an account of the debts so reduced. A BAPTIST. _Nov. 12, 1834._ P.S. Since writing the above, I have seen an article in the Magazine for this month, which only confirms my opinion that something must be done, and that speedily, to effect this _great_ and desirable object. REMARKS ON A PAPER, ENTITLED "ON THE USE AND ABUSE OF THE TERM MORAL." _To the Editor of the Baptist Magazine._