the least said the better; they are a wreck in the full extension of the word. And, as the hope of a people must rest in its youth, what does he find to be the case? Thousands of candidates in pharmacy, law, medicine; as regards the Civil Service, enough candidates to fill all the posts in the Islands for generations to come. But of farmers, young men willing to return to the fields, their own fields, and by the sweat of their brow to work out the salvation of the country? None: the development of this principal element of national existence is left to the ignorant and indolent peasantry. He draws no less gloomy a picture in respect of capital and property. Nine-tenths of Manila, and all important provincial real estate, is mortgaged. Capital is furnished at exorbitant rates of interest, and usury prevails. In the country, no security is accepted save real property, and then only when the lender is satisfied that his debtor will be unable to pay, and that the security will pass. Bad as the outlook is, no remedy suggests itself. For, returning to the theme that agriculture is recognized as vital, much energy is spent in discussion, discourses, lectures, in writing articles, in discovering reasons why agriculture does not flourish, but nothing else and nothing more. [56] The picture may be overdrawn; but it is a Filipino picture, drawn by a Filipino hand. Let us now permit, the native press to speak again on the subject engaging our attention. Thus _Vanguardia_ [57] a bitter anti-American sheet, arraigns its wealthy fellow-countrymen for lack of initiative and fondness of routine. It accuses them of a willingness to invest in city property, to deposit money in banks, "to make loans at usurious rates, in which they take advantage of the urgent and pressing necessities of their countrymen," but of unwillingness "to engage in agriculture, marine or industrial enterprise"; and says they are "generally lacking in the spirit of progression." According to another native newspaper, the vice of gambling has infected all classes of society, men and women alike, rich and poor, young and old. Mere it is almost impossible to overdraw the picture, so widespread is the vice. Let us now couple these statements, drawn from native sources, with the fact that the Christianized tribes, all told, number some 7,000,000; that of these but one-tenth speak Spanish; and that of this tenth only a very few are educated in any accepted sense of the word. Repeating here a form of summation already employed in this discussion, let us bear in mind that, if we decide to make a grant of independence, we shall be deciding to grant it to a population, composed, first, of a very few educated persons; next, of a small fraction able, through the possession of Spanish, to communicate, with one another; and, lastly, of a remainder--the vast, the immense majority--not only unable so to communicate, but characterized by