John Crossley--Martha Crossley--A courtship begun--A courtship concluded--John Crossley begins business--Dean Clough Mill--The Crossley family--Sir Francis Crossley--Martha Crossley's vow--Halifax People's Park--Martha's vow fulfilled--Co-operation of colliers--Partnership of industry--Other co-operative schemes--Jeremiah Head--Newport rolling mills--Bonuses to workmen--Mr. Carlyle's letter--A contrast--A hundred years ago--Popular amusements--Improvement of manners--English mechanics and workmen--English engineers and miners--Swiftness of machinery--Foreign workmen--Provident habits of foreigners. Pages 205--232 CHAPTER XII. LIVING BEYOND THE MEANS. Hypocrisy and debt--Conventionalism--Keeping up appearances--Exclusive circles--Women and exclusiveness--Women and extravagance--Running into debt--The temptation of shopkeepers--Temptations to crime--How crime is committed--Love of dress--Gents--Reckless expenditure--Knowledge of Arithmetic--Marriage--Happy tempers--Responsibilities of marriage--Marriage not a lottery--The man who couldn't say "No"--The courage to say "No"--"Respectable" funerals--Funeral extravagance--John Wesley's will--Funeral reform. Pages 233--258 CHAPTER XIII. GREAT DEBTORS. Greatness and debt--Seedy side of debt--Running up bills--Loan clubs--Genius and debt--Fox and Sheridan--Sheridan's debts--Lamartine--Webster--Debts of men of science--Debts of artists--Italian artists--Haydon--The old poets--Savage and Johnson--Steele and Goldsmith--Goldsmith's debts--Goldsmith's advice--Byron's debts--The burden of debt--Burns and Sydney Smith--De Foe and Southey--Southey and Scott--Scott's debts and labours--Great poor men--Johnson's advice--Genius and debt--Literary men. Pages 259--285 CHAPTER XIV. RICHES AND CHARITY. Helping the helpless--Dr. Donne--Rich people--Love of gold--Eagerness to be rich--Riches and poverty--Riches in old age--Riches no claim to distinction--Democrats and riches--Saladin the great--Don Jose de Salamanca--Compensations of poverty--Honest poverty--Poverty and happiness--Charity--Evils of money-giving--Philanthropy and charity--Rich people's wills--Stephen Girard--Thomas Guy--Educational charities--Peabody's benefaction--Benefactors of the poor--The Navvy's Home. Pages 286--314 CHAPTER XV. HEALTHY HOMES. Healthy existence--Necessity for pure air--The fever tax--The Arcadians--The rural poor--Influence of the home--Unhealthy homes--Health and drunkenness--Wholesome dwellings--Edwin Chadwick--Expectancy of life--The poor laws--The sanitary idea--The sanitary inquiry--Sanitary commission--Sanitary science--Results of uncleanness--Losses by ill-health--That terrible Nobody!--Home reform--Domestic improvement--Cleanliness--Dirt and immorality--Worship in washing--Knowledge of physiology--Domestic economy--English cookery--Morals and cookery--Work for ladies--Joseph Corbet's story. Pages 315--353 CHAPTER XVI. THE ART OF LIVING.