Before concluding, I will briefly advert to a few matters of high public importance, involving great cost, much loss of time and energy, widespread physical and moral deterioration, and terrible sacrifice of life, which would all be ameliorated and would ultimately disappear in _proportion as these co-operative colonies spread over the country_. First and foremost, the cost of Old Age Pensions, which all admit to be absolutely necessary _now_, would steadily diminish with increase of these colonies, and ultimately become unnecessary. Next, the terrible mortality of infants, due to our present competitive manufacturing system, would rapidly disappear when the health and comfort of mothers were thoroughly safeguarded as a primary social duty. What would be the result of such a natural, simple, healthful, yet fully-occupied life as would prevail in these colonies may be judged by the condition of some of the German colonists in Central Brazil. A young friend of mine is now living among them. They subsist almost entirely on the direct produce of their own labour; they have large and healthy families, and his two nearest neighbours have twelve and eight children respectively, mostly grown up, _without having lost a single child_. Then there is the enormous and ever-increasing system of inspectorship of factories and workshops, to guard against dangers of machinery, unhealthiness, and overwork, all quite unnecessary, and which would never even be thought of where there was no one to profit by such enormities. Lastly, there is the curse of adulteration, ever increasing, pervading all commercial products, clothing, food, and even drugs, injurious alike to the health and the morality of the nation, and which inspectors and penalties have hardly any effect upon. All this would absolutely disappear when everything now adulterated would be produced in these colonies for home consumption, and _not_ for the profit of capitalists; and this fact would certainly re-act upon the private manufacturers. The safety and healthiness of all the co-operative shops would soon _compel_ private capitalists to improve the conditions of their factories under the penalty of not being able to obtain men or women to work for them.