The genius of the Chinese for combination is nowhere more conspicuous than in their societies which have a religious object. Widely as they differ in the special purposes to which they are devoted, they all appear to share certain characteristics, which are generally four in number--the contribution of small sums at definite intervals by many persons; the superintendence of the finances by a very small number of the contributors; the loan of the contributions at a high rate of interest, which is again perpetually loaned and re-loaned so as to accumulate compound interest in a short time and in large amounts; and lastly, the employment of the accumulations in the religious observance for which the society was instituted, accompanied by a certain amount of feasting participated in by the contributors. A typical example of the numerous societies organized for religious purposes may be found in one of those which have for their object a pilgrimage to some of the five sacred mountains of China. The most famous and most frequented of them all is the Great Mountain (T'ai Shan) in Shan-tung, which in the second month of the Chinese year is crowded with pilgrims from distant parts of the empire. For those who live at any considerable distance from this seat of worship, which according to Dr. Williamson is the most ancient historical mountain in the world, the expense of travel to visit the place is an obstacle of a serious character. To surmount this difficulty, societies are organized which levy a tax upon each member, of (say) one hundred cash a month. If there are fifty members this would result in the collection of 5,000 cash as a first payment. The managers who have organized the society, proceed to loan this amount to some one who is willing to pay for its use not less than two or three per cent. a month. Such loans are generally for short periods, and to those who are in the pressing need of financial help. When the time has expired, and principal and interest is collected, it is again loaned out, thus securing a very rapid accumulation of capital. Successive loans at a high rate of interest for short periods, are repeatedly effected during the three years, which are generally the limit of the period of accumulation. It constantly happens that those who have in extreme distress borrowed such funds, find themselves unable to repay the loan when it is called in, and as benevolence to the unfortunate forms no part of the "virtue practice" of those who organize these societies, the defaulters are then obliged to pull down their houses or to sell part of their farms to satisfy the claims of the "Mountain Society." Even thus it is not always easy to raise the sum required, and in cases of this sort, the unfortunate debtor may even be driven to commit suicide.