There is a class, however, who are the exact opposite of these and who make the simple acquisition of money the chief interest and pleasure of their lives. Money-making in some form is the main occupation of the great majority of men, but it is usually as a means to an end. It is to acquire the means of livelihood, or the means of maintaining or improving a social position, or the means of providing as they think fit for the children who are to succeed them. Sometimes, however, with the very rich and without any ulterior object, money-making for its own sake becomes the absorbing interest. They can pursue it with great advantage; for, as has been often said, nothing makes money like money, and the possession of an immense capital gives innumerable facilities for increasing it. The collecting passion takes this form. They come to care more for money than for anything money can purchase, though less for money than for the interest and the excitement of getting it. Speculative enterprise, with its fluctuations, uncertainties and surprises, becomes their strongest interest and their greatest amusement. When it is honestly conducted there is no real reason why it should be condemned. On these conditions a life so spent is, I think, usually useful to the world, for it generally encourages works that are of real value. All that can be truly said is that it brings with it grave temptations and is very apt to lower a man's moral being. Speculation easily becomes a form of gambling so fierce in its excitement that, when carried on incessantly and on a great scale, it kills all capacity for higher and tranquil pleasures, strengthens incalculably the temptations to unscrupulous gain, disturbs the whole balance of character, and often even shortens life. With others the love of accumulation has a strange power of materialising, narrowing and hardening. Habits of meanness--sometimes taking curious and inconsistent forms, and applying only to particular things or departments of life--steal insensibly over them, and the love of money assumes something of the character of mania. Temptations connected with money are indeed among the most insidious and among the most powerful to which we are exposed. They have probably a wider empire than drink, and, unlike the temptations that spring from animal passion, they strengthen rather than diminish with age. In no respect is it more necessary for a man to keep watch over his own character, taking care that the unselfish element does not diminish, and correcting the love of acquisition by generosity of expenditure.