She rents a room but the rental is high, for the interest must be paid on a mortgage held by the Security Co. She finally finds a shop where she secures employment but the wages are low, for the shop is heavily mortgaged to the Security Co. and the interest must be paid or the shop will be closed and even this opportunity for scant wages will be lost. The distance requires that she shall ride to her work but the round trip costs two nickels and one of them goes to the Security Co. for interest on their bonds and stock. She buys a loaf of bread but the wheat was raised on a western farm mortgaged to the Security Co. and the interest was charged up against the wheat. The wheat was floured in a trust mill and the interest on the Security Co. bonds were charged up against the flour. It was transported by a railroad that charged up against it the interest on the bonds held by the Security Co. It was baked in a mortgaged oven and handled by a local dealer doing business on capital he had borrowed of the Security Co. How much of her bread money went for interests is an intricate problem. She only notices that her loaf is small. The same oppressive tribute must be paid on all that she buys to feed and clothe herself and her little ones. The first widow does not live upon the earnings of her husband. They are untouched at the end of a year nor diminished as the years pass. By the operation of usury she has lived upon the hard earnings of this poor widow. The laborers on the western farms contributed to her support in decreases of wages; the operatives of the railways, the workmen in the mill, the baker and merchant all contribute a portion, but it cannot be denied that the heaviest burden comes upon the poorest. The rich widow has fed her children with the bread which the poor widow earned. The flaunting sympathy for the poor of those who themselves feed upon them, is rank hypocracy. Nor can those who have grown fat by the practice of usury, condone the crime by tossing back to them a portion of the unjust gain. "Is it such a fast that I have chosen? A day for a man to afflict his soul?... Is not this the fast that I have chosen?... To undo the heavy burdens and to let the oppressed go free?... Is it not to deal thy bread to the hungry, and that thou bring the poor that are cast out to thy house?" CHAPTER XXIX. USURY CENTRALIZES WEALTH. The dictum of Bacon that "Usury gathers the wealth of the realm into few hands" is readily proven and fully verified in the experience of these times. The tendency to centralization under a system of usury or interest-taking is so strong, and the modern result so apparent that the statement only is necessary.