“The fortune which my daughter Lucy is to inherit, having been made by her uncle James Rainy, as may be said, out of nothing--that is to say, without any but the smallest bit of money to begin with, all by his own industry and clear-headedness--and very honestly made, though perhaps not without being to the detriment here and there of another person, not so clever as he was--it is my desire that his heiress should _give back_ a part of it to her fellow-creatures, from whom it came. For, however honestly money is made, it is quite clear, to anybody that will examine the question, that if it is nothing more than buying in the cheapest market and selling in the dearest, it must always be taking something off the comfort of other people. The best of men can’t do less than this; and I am sure James Rainy was one of the best of men. But as it came out of nothing, and out of the pockets of other people, I think it but right that James Rainy’s niece should give it _back_--a part of it, that is to say. I wish it clearly to be understood that the half of the Rainy property, whatever it may amount to when I die--and I hope I have been able to add a little by great attention to business, and giving up my whole thoughts to it--is to be kept intact, and not to be touched in any way, making a very good fortune for Lucy and her heirs forever. But the other half she shall be free to dispose of, giving it back to the community, out of which it came. Foreigners are not to be eligible, though part of it was no doubt made out of foreigners; but the kind that come fluttering about rich folks in England, and carrying off a great deal of our money, are not the kind among whom James Rainy made his fortune, and I say again foreigners are not to be eligible. Most people would say that, having a great deal of money to give away, the thing to do would be to establish hospitals, and give large subscriptions; but I don’t believe in subscriptions for my part. Besides that is the common way. What I want Lucy to do is to give the money to individuals or families whom she comes across, those that really want it. I wish her to remember that I don’t tell her to do this in order to please herself, nor to make herself look like a great personage, nor to get applause or even gratitude. Applause she is not to get, since this part of my will I require to be kept secret as far as possible, and every gift to be kept an absolute secret from all but my executors, and the receivers of the bounty; and gratitude she must not expect. It is a poor thing to look for it, and I don’t much believe in it for my part. What she has to do is a simple duty, having a great deal more money than she can ever know what to do with. And she is not to give little dribbles of money which encourage pauperism; but when she sees a necessity to give enough, liberally, and without grudging. If it’s to a man to set him up in business, or help him on in whatever his trade may be; and if it’s a