Phillimore asks: "Had it not been for the unlimited power of borrowing, how many unjust and capricious wars would have been avoided! How different would be our condition, and the condition of our posterity! If half the sum lavished to prevent any one bearing the name of Napoleon from residing in France, for replacing the Bourbons on the thrones of France and Naples, for giving Belgium to Holland, Norway to Sweden, Finland to Russia, Venice and Lombardy to Austria, had been employed by individual enterprise, what would now be the resources of England?" An extract, giving Lord Brougham's summary of George III's life and character, may, we think, fairly serve to close this chapter: "Of a narrow understanding, which no culture had enlarged; of an obstinate disposition, which no education perhaps could have humanized; of strong feelings in ordinary things, and a resolute attachment to all his own opinions and predilections, George III. possessed much of the firmness of purpose which, being exhibited by men of contracted mind without any discrimination, and as pertinaciously when they are in the wrong as when they are in the right, lends to their characters an appearance of inflexible consistency, which is often mistaken for greatness of mind, and not seldom received as a substitute for honesty. In all that related to his kingly office he was the slave of deep-rooted selfishness; and no feeling of a kindly nature ever was allowed access to his bosom whenever his power was concerned." CHAPTER V. THE REIGN OF GEORGE IV