In some places the materials may be found upon an adjacent farm, and for such purposes might be had for a nominal sum. Altogether, a very fair cottage might be built for L100 to L150, according to the circumstances. These, of course, would not be ornamental houses with Gothic porches and elaborate gables; but plain cottages, and quite as comfortable. In round figures, four such places might be erected for L500.[3] For a large parish will contain as many as twenty farmers, and some more than that: L500 distributed between twenty is but L25 apiece, and this sum could be still further reduced if the landlords, the clergy, and the principal inhabitants are calculated to take an interest in the matter. Let it be taken at L20 each, and the product four cottages. As there are supposed to be twenty farms, it may be reckoned that eight or ten new cottages would be welcome. This would vary with circumstances. In some places five would be sufficient. Ten would be the very highest number; and may be considered quite exceptional. Now for the repayment of the investment of L20. Four cottages at 2s. per week equals L20 per annum. At this rate in five-and-twenty years, each subscriber would be paid back his principal; say, after the manner of bonds, one redeemable every year, and drawn for by lot. An agriculturist who invests L100 or L150 in a cottage expects some interest upon his money; but he can afford to sink L20 for a few years in view of future benefit. But there are means by which the repayment could be much accelerated; _i.e._, by inducing the tenant of a cottage to pay a higher rent, and so become, after a time, the possessor of the tenement, in the same way as with building societies. [3] This, of course, is upon the supposition that the materials are obtained at a nominal cost, and the hauling not charged for. It may, however, be considered preferable that the cottages should remain the property of the village council--each member receiving back his original payment. This is thrown out merely as a suggestion; but this much is clear, that were there an organization of this kind there would be no material difficulty in the way of increasing the cottage accommodation. A number of gentlemen working together would overcome the want with ease. At all events, if they did not go so far as to erect new cottages, they might effect a great deal of improvement in repairing dilapidated places, and enlarging existing premises.