scarcely borne out by the comparative opulence of the "merchant" and the pitiful poverty of the laborer. Some of the largest and wealthiest planters have sought to protect their tenants from the merciless clutches of the contrary merchant, who is more frequently than not an Israelite, by advancing supplies of necessary articles at reasonable prices. But the necessities of the planter, if not his greed, often betray him into plundering the negro. The planter himself is generally a victim to usury. He still draws on the city factor to the extent of ten dollars a bale upon his estimated crop. He pays this factor two and one half per cent. commission for the advance, eight per cent. interest for the money, two and one half per cent. more for disposing of the crop when consigned to him, and sometimes still another commission for the purchase of the supplies. The planter who furnishes his tenants with supplies on credit is usually paying an interest of fifteen to eighteen per cent. himself, and necessarily takes some risk in advancing upon an uncertain crop and to a laborer whom he believes to be neither scrupulous nor industrious; these conditions necessitate more than the ordinary profit, and in many cases suggest exorbitant and unreasonable charges. But whether the negro deals with the merchant or the land owner, his extravagance almost invariably exhausts his credit, even if it be large. The negro is a sensuous creature, and luxurious in his way. The male is an enormous consumer of tobacco and whisky; the female has an inordinate love for flummery; both are fond of sardines, potted meats, and canned goods generally, and they indulge themselves without any other restraint than the refusal of their merchant to sell to them. The man who advances supplies watches his negro customers constantly; if they are working well and their crop promises to be large, he will permit and even encourage them to draw upon him liberally; it is only a partial failure of the crop, or some intimation of the negro's intention to shirk his obligations, that induces his country factor to preach the virtue of self-restraint, or moralize upon the advantages of economy.