Nor is this the whole benefit. It has been observed that coöperation has had a marked effect in the promotion of thrift and morals and temperance. The coöperator as a rule gets out of debt and begins to save. This increases his independence and self-respect. The closer association with his neighbors puts him more upon his good behavior. Many a hard drinking laborer has, under such influences, quit his evil habits and rescued his family from wretchedness. All this naturally leads to an increase of honesty and business integrity. Where there is a small rural coöperative credit society a person cannot borrow from it unless he has acquired a reputation for reliability. As a consequence a loan comes as a certificate of character, while the refusal of a loan may well lead the would-be borrower to serious reflection. As a result people come to care more for their reputation in their dealings with one another. Honesty comes to be an essential quality in business efficiency. Another all-powerful influence of coöperation is found in the promotion of democracy. The coöperative movement is essentially democratic in origin. Success can be attained only by equality of opportunity, mutual consideration and fair treatment. This naturally promotes political efficiency also, because the education and the closer association found in coöperation lead each individual to realize his responsibility and to endeavor to use his voting power intelligently and wisely. The effect in the promotion of Peace, Brotherhood, and Religion, is thus indicated in the report: “It was observed by members of the American Commission that in nearly all the European countries the great body of the coöperators, especially among the leaders, think of agricultural coöperation as a sort of social reform and in some cases almost as a religion. The admirable moral and social results are recognized everywhere. Not only has it taught illiterate men to read, made dissipated men sober, careless men thrifty, and dishonest men square, but it has made friends of neighbors who had been enemies, while estrangement among men on account of religious antipathies and the inheritance of ancient feuds have yielded to its influence and disappeared. It could scarcely be expected that a movement with such beneficial results could have been inaugurated and successfully furthered apart from close association with the Christian churches. In many of the coöperative enterprises the clergymen have played an important part. The sympathetic participation in and promotion of the coöperative movement on the part of the church is a logical and almost necessary result of the existence of a movement of such a character, since many of the ends for which the church is striving are effectually accomplished by coöperative institutions while these institutions, in their purposes and endeavors, necessarily command the sympathy and allegiance of every sincere and disinterested churchman.”