The strongest argument for rate-supported libraries was that the studious person who could not afford to buy books, or the no less meritorious person who wished to enjoy good literature in an armchair but could not pay a subscription, should be enabled to read at home. Access to libraries was an excellent thing, and every seeker after knowledge was entitled thereto, but a supply of books in the home was a greater boon, and one that would have a far deeper effect on the mental life of the nation. Even a Freeman could not work in a reference library, but had to borrow--or buy. Circumstances of a different kind make the library of the British Museum, and even the local reading room inaccessible, or at any rate insufficient, to most busy people. The existence of the London Library--the finest lending library in the world--is proof enough of the most serious kind of reader’s need for a home supply of books. Catering for all classes, for all ages, and for users having all sorts of motives for reading, the municipal lending library will not admit any petty or restricted purpose to limit the scope of its contents. Costly books, if it acquires such by purchase or gift, and works of the atlas or dictionary type, will for different but equally obvious reasons go into the reference department, however small that may happen to be. Very cheap books, with certain exceptions, it will not supply. College text-books may be refused, on the score that students should have them for their own, unless there are circumstances that justify a different course. Some books may be rejected for reasons of public morality, though a narrow-minded puritanism must not be tolerated. Otherwise, the lending library should develop on the most catholic lines.