All for a bunch of roses, Whereof I said her nay; I would those luckless roses Were on their bush to-day. Long is it, etc. I would those luckless roses Were on their bush to-day, And that itself, the rosebush, Were plunged in ocean’s spray; Long is it I have loved thee, Thee shall I love alway. My dearest. There were many money-lenders in Upper Canada. When I say money-lenders, I mean the men who will do no business, own scarcely any real estate, and make no improvements in the land, but simply sit still and lend their money at interest. I will sketch one who, while young, came to a certain township in Ontario. He is now an old man, and still a resident of the same locality. He brought from England with him about $1,000, and with it bought fifty acres of good land. These acres he farmed and resided on for some years, and succeeded well as a farmer. During the Russian war times and the building of the Grand Trunk Railway, inflation pervaded almost every walk of life. Then he sold his small farm for $120 per acre, or $6,000, and lived in a small rented house. [Illustration: CANADIAN REBELLION, 1837-8. REFUGEE CROSSES LAKE ONTARIO IN A CANOE, WITH THE PROW ROTTED AWAY. BARCLAY, CLARK & CO. LITHO. TORONTO] This money and the accumulated earnings of years he lent to his neighbors at a maximum rate of twelve per cent., with discounts and drawbacks and many other dark and mysterious ways of figuring--so mysterious, indeed, that in many instances the loans netted him twenty to twenty-five per cent. per annum. Thus year by year he added to his capital, eventually becoming a very rich man; and though the rates for loans have now dropped down to five per cent., his money has kept on drawing big pay--never stopped. Floods, disasters, deaths, fires--nothing seemed to stand in the way of the steady tick of interest and accumulated wealth. To-day he is a very old man, worth his hundreds of thousands. Pleasures of social intercourse, books, papers, travel, and the little elegances which go to make up life, have always been absent, but the gold has been hoarded. He is only a type of many of the money-lenders of our Province. Such men do not buy estates, nor make homes, nor do anything to improve our country.