,univ]sity ( ,georgia47 99 99 99 99 99 ---------------------------------------- ------------------- ,transcrib]'s ,note3 ,inconsi/5t hyph5ation 9 ! orig9al docum5t has be5 pres]v$4 ,obvi\s typographical errors h be5 correct$ 9 ?is text4 ,= a complete li/1 please see ! end ( ?is docum5t4 ---------------------------------------- ------------------- 99 99 99 99 99 ,,usury ,a ,scriptural1 ,e?ical & ,economic ,view ,,by ,,calv9 ,,elliott ,,publi%$ ,,by ,,! ,,anti-,,usury ,,league ,,mill]sburg1 ,,ohio ,,copyright$ #aijb ,,by ,,calv9 ,,elliott4 ,,cont5ts4 ,page4 ,*apt] ,i--,def9ition #g ,*apt] ,,ii--,! ,law by ,moses #aa ,*apt] ,,iii--,usury & ,! ,/rang] #ah ,*apt] ,,iv--,david & ,solomon #bf ,*apt] ,v--,d5unciation ( ,j]emiah & ,ezekiel #cj ,*apt] ,,vi--,f9ancial ,re=m by ,nehemiah #cf ,*apt] ,,vii--,tea*+s ( ! ,ma/] #db ,*apt] ,,viii--,p>ables ( ! ,tal5ts & ! ,p\nds #eb ,*apt] ,,ix--,practice ( ! disciples #eh ,*apt] ,x--,*ur* hi/ory #fi ,*apt] ,,xi--,calv9's lett] on usury #gc ,*apt] ,,xii--,p]man5cy ( ! prohibition #gi ,*apt] ,,xiii--,our *ang$ conditions #ha ,*apt] ,,xiv--,! ,am]ican ,revision #hg ,*apt] ,,xv--,duty le>n$ f two s\rces #ic ,*apt] ,,xvi--,rights ( man ov] ?+s #ig ,*apt] ,,xvii--,equal rights ( m5 #ajb ,*apt] ,,xviii--,a false basal pr9ciple #ajh ,*apt] ,,xix--,! true e?ical pr9ciple #aae ,*apt] ,,xx--,weal? is b>r5 #aba ,*apt] ,,xxi--,weal? decays #acb ,*apt] ,,xxii--,! debt habit #ach ,*apt] ,,xxiii--,! borr[] is s]vant to ! l5d] #add ,*apt] ,,xxiv--,usury enslaves ! borr[] #adf ,*apt] ,,xxv--,usury oppresses ! poor #aed ,*apt] ,,xxvi--,usury oppresses ! poor--cont9u$ #afj ,*apt] ,,xxvii--,usury oppresses ! poor--cont9u$ #afh ,*apt] ,,xxviii--,usury oppresses ! poor--conclud$ #agd ,*apt] ,,xxix--,usury c5tralizes weal? #ahj ,*apt] ,,xxx--,mammon dom9ates ! nations #ahi ,*apt] ,,xxxi--,effect on "* #bjf ,*apt] ,,xxxii--,ax at ! root ( ! tree #bai ,*apt] ,,xxxiii--,p] contra2 ,*ri/ian ,apologi/s #bcc ,*apt] ,,xxxiv--,p] contra2 ,l& ,r5tals #bdc ,*apt] ,,xxxv--,p] contra2 ,political ,economi/s #bec ,*apt] ,,xxxvi--,usury 9 ,hi/ory #beh ,*apt] ,,xxxvii--,francis ,bacon #bff ,*apt] ,,xxxviii--,:y ?is tru? 0 neglect$ #bgb ,*apt] ,,xxxix--,cru%$ tru? w rise aga9 #bha ,index #bic ,,to ,,my ,,read]s4 ,i beg ! s9c]e & ?\ghtful consid]ation ( ?is book by all its read]s4 ,please foll[ ! argum5t 9 ! ord] 9 :i* x is pres5t$4 ,?is is ! way x develop$ 9 my own m9d & l$ me1 /ep by /ep1 irresi/ibly to its conclusions4 ,d n read ! clos+ *apt]s fir/1 b beg9 ) ! ,def9ition4 ,i believe e c&id read] do+ ?is1 & hav+ a logical m9d1 w fully & he>tily concur 9 ! condemnation ( usury4 ,i hope ^! argum5ts w be fairly treat$ & ju/ly weigh$ ev5 by ^? ^: int]e/s seem 9 conflict4 ,i h simply s\ght ! tru?1 believ+ t ! tru? %all make y free4 ,x _c be t ?is or any tru? is 9 real conflict ) ! highe/ welf>e ( any man4 ,if any s9c]e fri5ds ( ?is tru? are griev$ t ! argum5t is s crudely & r\ghly /at$1 ,i c only say 9 excuse1 t1 s f> z ,i "k or c le>n f ! great libr>ians ,i h consult$1 ?is is ! fir/ attempt ev] made to fully pres5t ! anti-usury argum5t1 & ,i s9c]ely hope t o!rs1 pr(it+ by my ef=t1 may be able to make x m effective4 ,,! ,,au?or4 ,,*apt] ,i4 ,,def9ition4 ,9 ! evolution ( ! ,engli% language1 s9ce ! mak+ ( our ,k+ ,james v]sion ( ! ,bible1 _m new words h be5 introduc$1 & _m old ones h *ang$ _! mean+s4 ,9 ! ne>ly ?ree hundr$ ye>s ! ,saxon ^w let1 to h9d]1 has become obsolete4 ,x 0 9 common use & well und]/ood :5 ! v]sion 0 made1 b is n[ mislead+4 ,?us we h 9 ,isaiah #dc3ac3 ,i w "w & :o w let 7h9d]7 x8 ,paul decl>$ t he purpos$ to g to ,rome1 b 0 let 7h9d]$7 hi!rto4 ,rom4 #a3ac4 ,aga9 we h 9 ,,ii ,!ss4 #b3g3 ,only he :o n[ lette? 7h9d]e?7 w let 7h9d]71 until he be tak5 out ( ! way4 ,wot1 to "k1 has become obsolete4 ,g54 #ba3bf3 ,i wot 7"k7 n :o ha? done ?is ?+4 ,ex4 #cb3a3 ,z = ?is ,moses1 we wot 7"k7 n :at ha? become ( him4 ,acts #c3ag3 ,i wot 7"k7 t ?r\gh ignorance ye did x4 ,prev5t1 f its d]ivation & use1 meant1 to g be=e2 n[ x means to h9d]4 ,ps4 #ei3aj3 ,! ,god ( my m]cies %all prev5t 7g be=e7 me4 ,ps4 #ib3b3 ,let u prev5t 7g be=e7 8 face ) ?anksgiv+4 ,i ,!ss4 #d3ae3 ,we :o are alive %all n prev5t 7g be=e7 !m :o are asleep4 ,*>ity1 :i* n[ means lib]ality to ! poor1 & a disposition to judge o!rs k9dly & favorably1 0 at t "t a synonym ( love1 & us$ int]*angeably ) love 9 ! translations ( ! ,greek4 ,?is is especially not$ 9 ! panegyric ( love1 9 ! ?irte5? *apt] ( ,fir/ ,cor9?ians1 & fai?fully correct$ 9 ! ,revis$ ,v]sion1 ?\gh "s h felt t ! beauty & especially ! euphony ( ! famili> passage has be5 m>r$4 ,b ! ^w *>ity is no long] equival5t to love1 9 our language1 & c\ld n be reta9$ )\t p]v]t+ ! s5se4 ,usury1 :5 ! v]sion 0 made1 meant any premium = a loan ( money1 or increase tak5 = a loan ( any k9d ( prop]ty4 ,!ological ,diction>y3 ,usury1 ! ga9 tak5 = a loan ( money or w>es4 ,! ga9 ( any?+ above ! pr9cipal1 or t :i* 0 l5t1 exact$ only 9 consid]ation ( ! loan1 :e!r x be 9 money1 corn1 w>es or ! l4 ,bible ,encyclop$ia3 ,usury1 a premium receiv$ = a sum ( money ov] & above ! pr9cipal4 ,s*aff-,h]zog3 ,usury1 orig9ally1 any increase on any loan4 ,?is 0 ! usage ( ! ^w usury by ! great ma/]s ( ! ,engli% language1 l ,%akespe>e & ,bacon1 9 _! day1 & is /ill giv5 z ! fir/ def9ition by ! lexicograph]s ( ! pres5t4 ,web/]1 #ahij edition3 ,usury1 #a4 ,a premium or increase paid or /ipulat$ to be paid = a loan1 z = money2 int]e/4 #b4 ,! practice ( tak+ int]e/4 #c4 ,law4 ,int]e/ 9 excess ( a legal rate *>g$ to a borr[] = ! use ( money4 ,int]e/ is comp>atively a new ^w 9 ! language mean+ also a premium = a loan ( money4 ,x fir/ appe>$ 9 ! f\rte5? c5tury1 z a sub/itute = usury1 9 ! fir/ law ev] enact$ by a ,*ri/ian nation t p]mitt$ ! tak+ ( a premium = any loan4 ,! ^w usury 0 v odi\s to ! ,*ri/ian m9d & consci5ce4 ,int]e/ 0 at ! fir/ a legal t]m1 us$ 9 law only1 & x has always be5 appli$ to t premium or measure ( increase t is p]mitt$ or made legal by civil law4 ,9 mod]n usage usury is limit$ 9 its mean+ to t measure ( increase prohibit$ by ! civil law4 ,?us ! two words int]e/ & usury n[ express :at 0 =m]ly express$ by ! "o ^w usury alone4 ,int]e/ cov]s t measure ( increase t is au?oriz$ 9 diff]5t c\ntries1 :ile usury1 ) all ! odium t has be5 atta*$ to x = ages1 is limit$ to t measure ( increase t = public welf>e is =bidd5 by ! laws ( a /ate4 ,! di/9ction is :olly civic & legal4 ,t may be usury 9 "o /ate :i* is only int]e/ 9 ano!r4 ,! legal rates greatly v>y & are *ang$ f "t to "t 9 ! /ates !mselves4 ,if a /ate %\ld =bid ! tak+ ( any increase on loans1 !n all increase w\ld be usury1 & !re c\ld be no int]e/2 or if a /ate %\ld repeal all laws limit+ ! exactions ( increase1 !n !re w\ld be no usury 9 t /ate4 ,usury is increase =bidd5 by civil law4 ,sep>at$ f ! enact$ /atutes ( a /ate ! di/9ction disappe>s4 ,!re is no moral nor is !re an economic diff]5ce4 ,black/one says3 ,:5 money is l5t on a contract to receive n only ! pr9cipal sum aga91 b also an increase by way ( comp5sation = ! use1 ! increase is call$ int]e/ by ^? :o ?9k x lawful1 & usury by ^? :o d n4 ,! moral nature ( an act does n dep5d on ! enact$ /atutes ( human legislators1 & ! laws ( economics are et]nal4 ,we mu/ n p]mit our views ( div9e & economic tru? to be p]v]t$ by ?is mod]n division ( increase into legal & illegal4 ,9 ord] t ! :ole tru? may be n[ express$ 9 our language we mu/ comb9e ) ! old ^w usury ! new ^w int]e/2 !n only w we h ! full =ce ( ! reveal$ tru?4 ,:]e=e !n gave/ n ?\ my money into ! bank1 t at my com+ ,i might h requir$ m9e own ) usury or int]e/8 ,x is r5d]$ int]e/ 9 ! ,revis$ ,v]sion4 ,?r\gh\t ?is discussion usury is us$ 9 its full old classical mean+ = any increase ( a loan1 great or small1 :e!r au?oriz$ or =bidd5 by ! civil /ate4 ,,*apt] ,,ii4 ,,! ,,law ,,by ,,moses4 ,god det]m9$ to deliv] 8 enslav$ p f ! bondage 9 ,egypt1 & to lead !m out to ! l& he _h promis$ to _! fa!rs4 ,!y _h be5 /rang]s 9 ,egypt2 n[ !y %\ld h a l& ( _! own4 ,to !m lib]ty 0 b a tradition2 !y %\ld n[ be freem54 ,!y _h be5 a tribe2 !y %\ld n[ be a nation4 ,god rais$ up ,moses to be 8 special s]vant & ! m\?piece to decl>e 8 w4 ,he ord]$ 8 m>vel\s deliv]ance f ! riv]1 & 8 tra9+ 9 c\rt z a freeman4 ,he !n gave him direction to lead 8 p out ( _! slav]y1 & also div9e au?ority to ann\nce to 8 p ! code ( laws by :i* !y 7 to be gov]n$ 9 _! free /ate4 ,"s ( ^! laws 7 c]emonial1 to cons]ve _! religion1 t !y might n =get _! ,god4 ,"s 7 civil & politic1 to promote ! moral1 intellectual & mat]ial welf>e4 ,all 7 9 accord ) ! moral & religi\s nature ( man1 & ) s\nd economic pr9ciples4 ,all 7 suit$ to promote _! highe/ good1 & to secure !m =ev] 9 _! fre$om & national indep5d5ce4 ,! great basal pr9ciples ( law are f\nd 9 concrete =m4 ,human life is sacr$ z we f9d f ! explicit laws = its protection4 ,! own] ( an ox 0 made responsible = ! life tak5 by an ox t 0 kn[n to pu% ) its horns4 ,a battlem5t or balu/rade 0 requir$ on ! h\ses1 v l our laws requir+ fire escapes4 ,! pr9ciple is ! same4 ,! laws =bidd+ m>riage )9 c]ta9 degrees ( k9%ip h be5 copi$ into ! laws ( e civiliz$ p4 ,! laws = ! pres]vation ( social purity h nev] be5 surpass$4 ,! rights ( prop]ty 7 sacr$4 ,ea* _h a "r to 8 own4 ,!ft 0 sev]ely puni%$4 ,if a ?ief be f\nd break+ up1 & be smitt5 t he die1 !re %all no blood be %$ = him4 ,ea* mu/ assi/ 9 ! protection ( ! prop]ty ( o!rs2 ev5 ! enemy's prop]ty mu/ be protect$4 ,if ?\ meet ?9e enemy's ox or 8 ass go+ a/ray1 ?\ %alt surely br+ x back to him aga94 ,! laws = ! relief ( ! poor 7 k9d] & m enc\rag+ to self-help & self-reliance ?an our mod]n poorh\ses4 ,deut4 #ae3g-aa3 ,if !re be among y a poor man ( "o ( ?y bre?r5 )9 any ( ?y gates 9 ?y l& :i* ! ,"l ?y ,god give? !e1 ?\ %alt n h>d5 ?9e he>t1 nor %ut ?9e h& f ?y poor bro!r2 b ?\ %alt op5 ?9e h& wide unto him1 & %alt surely l5d him suffici5t = 8 ne$1 9 t :i* he wante?4 ,bew>e t !re be n a ?\ght 9 ?y wick$ he>t1 say+1 ,! sev5? ye>1 ! ye> ( release1 is at h&2 & ?9e eye be evil aga9/ ?y poor bro!r1 & ?\ give/ him naught1 & he cry unto ! ,"l aga9/ !e1 & x be s9 unto !e4 ,?\ %alt surely give him1 & ?9e he>t %all n be griev$ :5 ?\ give/ unto him3 because t = ?is ?+ ! ,"l ?y ,god %all bless !e 9 all ?y works1 & 9 all t ?\ putte/ ?9e h& unto4 ,= ! poor %all nev] cease out ( ! l&2 !re=e ,i comm& !e1 say+1 ,?\ %alt op5 ?9e h& wide unto ?y bro!r1 to ?y poor1 & to ?y ne$y1 9 ?y l&4 ,^! div9ely giv5 laws nev] wr\ght inju/ice4 ,!y protect$ life1 purity & prop]ty1 & requir$ mutual helpfulness4 ,!y 7 giv5 by ! div9e m9d1 9 inf9ite love1 to promote ! highe/ good ( ?is *os5 p4 ,^! laws ( ,god1 giv5 by ,moses1 positively =bade usury or int]e/1 & ?is prohibition 0 s repeat$ t !re 0 no mi/ak+ ! mean+4 ,ex4 #bb3be3 ,if ?\ l5d money to any ( my p t is poor by !e1 ?\ %alt n be to him z a usur]1 nei!r %alt ?\ lay ^u him usury4 ,?is law is m fully pres5t$ 9 ,lev4 #be3ce1 #cf1 #cg3 ,& if ?y bro!r be wax5 poor1 & fall5 into decay ) !e1 !n ?\ %alt relieve him2 yea1 ?\gh he be a /rang]1 or a soj\rn]2 t he may live ) !e4 ,take ?\ no usury ( him1 or increase2 b fe> ?y ,god2 t ?y bro!r may live ) !e4 ,?\ %alt n give him ?y money ^u usury1 or l5d him ?y victuals = increase4 ,pr(4 ,george ,bu% makes ! foll[+ note ^u ?is passage3 ,! orig9al t]m ',ne%ek' comes f ! v]b ',na%ak' 7to bite71 mo/ly appli$ to ! bite ( a s]p5t2 & probably signifies bit+ usury1 s call$ p]haps because x resembl$ ! bite ( a s]p5t2 = z ?is is (t5 s small z to be sc>cely p]ceptible at fir/1 yet ! v5om soon spreads & diffuses itself till x rea*es ! vitals1 s ! increase ( usury1 :i* at fir/ is n p]ceiv$1 at l5g? gr[s s mu* z to dev\r a man's sub/ance4 ,an ef=t is sometimes made to limit ! application ( ^! laws by plac+ special emphasis on ! pov]ty ( ! borr[]s & to conf9e ! prohibition ( usury to loans to ! poor to meet ! necess>ies ( life2 & x is claim$ t ! laws are n int5d$ to prohibit usury on a loan :i* ! borr[] secures z capital = a bus9ess4 ,9 reply x c be said3 #a4 ,!re may be m b5evol5ce 9 a loan to enable a bro!r to g into bus9ess ?an 9 a loan to supply 8 pres5t ne$s4 ,x may be less b5evol5t & less k9d to l5d a doll> to buy fl\r = pres5t use ?an to l5d a doll> to buy a hoe ) :i* to g into bus9ess & e>n ! fl\r4 ,! highe/ philan?ropy supplies ! means & opportunities = self-help4 #b4 ,a desire = capital to promote a bus9ess to ga9 m ?an is necess>y to n\ri% ! physical & m5tal manhood is n ju/ifi$ nor enc\rag$ any:]e 9 ! ,^w4 ,!re is j a suffici5cy ( food necess>y to ! highe/ physical condition4 ,!re is j a suffici5cy ( mat]ial weal? necess>y to ! developm5t ( ! noble/ manhood4 ,m decreases physical & m5tal vigor & degrades ! :ole man4 ,to seek m is ( ! nature ( t covet\sness :i* is idolatry4 ,prov4 #bc3d3 ,labor n to be ri*4 ,prov4 #bh3bj3 ,he t make? ha/e to be ri* %all n be innoc5t4 ,ri*es are a gift ( ,god & a rew>d ( righte\sness4 ,prov4 #bb3d3 ,! rew>d ( humility & ! fe> ( ! ,"l are ri*es & honor & life4 ,psalm #aab3a1 #c3 ,bless$ is ! man t fe>e? ! ,"l1 t delighte? greatly 9 8 comm&m5ts4 99 99 99 ,weal? & ri*es %all be 9 8 h\se4 ,9 ! f\r? petition ( ! ,"l's pray] 7:i* is3 ,give u ?is day our daily bread7 we pray1 ,t ( ,god's free gift1 we may receive a compet5t portion ( ! good ?+s ( ?is life & enjoy 8 bless+ ) !m4 #c4 ,if ! prohibition is applicable only :5 ! borr[] is poor x w\ld be difficult to prop]ly apply x by draw+ ! l9e betwe5 ! ri* & ! poor4 ,_m :o are ri* feel t !y are poor & !re are _m high spirit$ poor :o w n admit _! pov]ty4 ,_m ri* live 9 conditions t "s poor w\ld call pov]ty4 ,! l9e mu/ be vague & indef9ite & always (f5sive4 ,if any "o %\ld endeavor to cle>ly m>k & emphasize su* a division 9 any mod]n community he w\ld receive ! contempt ( all "r ?9k+ p4 #d4 ,! laws ( ! ,hebrews did n discrim9ate classes except 9 _! c]emonial & =ms ( wor%ip4 ,!re 0 b "o law & t applicable to all alike4 ,ev5 ! /rang] 0 includ$ 9 ! uni=mity ( ! law4 ,num4 #ae3ae1 #af3 ,"o ord9ance %all be bo? = y ( ! congregation & also = ! /rang] t soj\rne? ) y1 99 99 99 "o law & "o mann] %all be = y & = ! /rang] t soj\rne? ) y4 #e4 ,9 ! ,hebrew community ! man ( indep5d5t res\rces did n compromise 8 fre$om by becom+ indebt$ to ano!r4 ,debt 0 a sure indication ( "s emb>rassm5t or /rait4 ,! m5tion ( ! pov]ty ( ! possible debtor is n to limit ! application ( ! law b describes ! borr[]4 ,?\ %alt n l5d ^u usury to ! poor un=tunate fell[ :o is compell$ to ask a loan4 #f4 ,! laws ( ! ,hebrew /ate 7 = ! promotion ( equity betwe5 man & man & also = ! protection ( ! weak & ! helpless4 ,) ^! objects all good gov]nm5ts mu/ be 9 h>mony4 ,!y c only be secur$ by g5]al laws4 ,x w\ld be v imp]fect protection to ! helpless poor if x 0 p]mitt$ to *>ge usury to ! covet\s1 gre$y fell[ :o hav+ mu*1 yet desir$ to ga9 m & 0 bidd+ urg5tly = ! v loan ! un=tunate bro!r ne$$4 ,also ev5 equity betwe5 ! borr[] & ! l5d] w\ld "w a h>dness 9 ! conditions ( ! poor man4 ,full protection requires a law ( g5]al application4 #g4 ,indep5d5ce1 self-reliance1 self-support1 0 ! condition aim$ at & enc\rag$ 9 ! ,hebrew /ate4 ,borr[+ 0 only 9 "t ( sore ne$4 ,! man :o w5t a-borr[+ 0 second only to ! man :o w5t a-begg+4 ,! bro!r :o1 ?r\gh mis=tune became dep5d5t1 0 able ! soon] to repay 8 loan & return to indep5d5ce & to self support4 #h4 ,9 ! repetition ( ! law 9 ,deut4 #bc3ai1 #bj1 !re is no ref]5ce to ! pov]ty ( ! borr[] & x _c by fair int]pretation be limit$ to ! poor4 ,?\ %alt n l5d ^u usury to ?y bro!r2 usury ( money1 usury ( victuals1 usury ( any?+ t is l5t ^u usury4 ,unto a /rang] ?\ maye/ l5d ^u usury2 b unto ?y bro!r ?\ %alt n l5d ^u usury3 t ! ,"l ?y ,god may bless !e 9 all t ?\ sette/ ?9e h& to d 9 ! l& :i!r ?\ goe/ to possess x4 ,,*apt] ,,iii4 ,,usury ,,& ,,! ,,/rang]4 ,deut4 #bc3ai1 #bj3 ,?\ %alt n l5d ^u usury to ?y bro!r2 usury ( money1 usury ( victuals1 usury ( any?+ t is l5t ^u usury4 ,unto a /rang] ?\ maye/ l5d ^u usury2 b unto ?y bro!r ?\ %alt n l5d ^u usury3 t ! ,"l ?y ,god may bless !e 9 all t ?\ sette/ ?9e h& to 9 ! l& :i!r ?\ goe/ to possess x4 ,:ile !re is no ref]5ce to pov]ty 9 ?is passage & ! prohibition _c fairly be limit$ to loans to ! poor1 a %ad[ ( p]mission to exact usury is f\nd 9 ! clause3 unto a /rang] ?\ maye/ l5d ^u usury4 ,hebrews1 :o h be5 anxi\s to obey ! lett] ( ! ,mosaic law1 :ile indiff]5t to its true _s1 h con/ru$ ?is into a p]mission to exact usury ( all ,g5tiles4 ,*ri/ian apologi/s = usury1 :o h n utt]ly disc>d$ all laws giv5 by ,moses z effete & no long] b9d+1 h tri$ h>d to %[ t ?is clause au?orizes ! g5]al tak+ ( int]e/4 ,to d ?is x is wre/$ f its natural connection1 & ! true hi/oric ref]5ce is ignor$4 ,?ree classes ( p]sons1 t 7 call$ /rang]s1 may be not$ = ! purpose ( pres5t+ ! true import ( ?is passage4 #a4 ,^? 7 call$ /rang]s :o 7 n ( ,hebrew blood1 b 7 proselytes to ! ,hebrew fai? & _h ca/ _! lot ) !m4 ,!y 7 mo/ly poor1 = n belong+ to any ( ! families ( ,jacob1 !y _h no l&$ inh]itance4 ,! glean+s ( ! field & ! /ray %eaf 7 left = ! fa!rless1 ! poor1 & ^! proselyt$ /rang]s4 ,b !y 7 to be receiv$ 9 love1 & treat$ 9 all respects z ^? born ( _! own blood4 ,ex4 #ab3dh1 #di3 ,& :5 a /rang] %all soj\rn ) !e1 & w keep ! passov] to ! ,"l1 let all 8 males be circumciz$1 & !n let him come ne> & keep x2 & he %all be z "o t is born 9 ! l&3 = no uncircumciz$ p]son %all eat !re(4 ,"o law %all be to him t is home born1 & unto ! /rang] t soj\rne? among y4 ,lev4 #bd3bb3 ,ye %all h "o mann] ( law1 z well = ! /rang]1 z = "o ( y\r own c\ntry3 = ,i am ! ,"l y\r ,god4 ,num4 #i3ad3 ,& if a /rang] %all soj\rn among y1 & w keep ! passov] unto ! ,"l2 accord+ to ! ord9ance ( ! passov]1 & accord+ to ! mann] !re(1 s %all he d3 ye %all h "o ord9ance bo? = ! /rang]1 & = him t 0 born 9 ! l&4 ,num4 #ae3ae1 #af3 ,"o ord9ance %all be bo? = y ( ! congregation1 & also = ! /rang] t soj\rne? ) y1 an ord9ance =ev] 9 y\r congregations3 z ye are1 s %all ! /rang] be be=e ! ,"l4 ,"o law & "o mann] %all be = y1 & = ! /rang] t soj\rne? ) y4 ,( ^! /rang]s x is explicitly said !y are to be treat$ precisely z bre?r5 ( _! own blood4 ,lev4 #be3ce1 #cf3 ,& if ?y bro!r be wax5 poor1 & fall5 9 decay ) !e1 !n ?\ %alt relieve him3 yea1 ?\gh he be a /rang]1 or a soj\rn]2 t he may live ) !e4 ,take ?\ no usury ( him1 or increase3 b fe> ?y ,god2 t ?y bro!r may live ) !e4 #b4 ,!re 0 also ano!r class ( /rang]s1 includ+ all ! nations t 7 n ( ,hebrew blood1 by :i* !y 7 surr\nd$4 ,^! trad$ ) !m & (t5 soj\rn$ = a m or less ext5d$ p]iod among !m = m]ely secul> purposes1 b nev] accept$ _! fai?4 ,= ?is reason !y 7 (t5 call$ soj\rn]s4 ,) u1 9 law1 ! =m] /rang]s w\ld be kn[n z naturaliz$ citiz5s1 ^! z d5iz5s1 resid5ts 9 a =eign l& = secul> purposes4 ,^! d5iz5s 7 to be dealt ) ju/ly1 to be treat$ k9dly & ev5 ) affection1 rememb]+ _! long soj\rn z /rang]s 9 ,egypt4 ,ex4 #bb3ba3 ,?\ %alt nei!r vex a /rang]1 nor oppress him3 = ye 7 /rang]s 9 ! l& ( ,egypt4 ,ex4 #bc3i3 ,also ?\ %alt n oppress a /rang]3 = ye "k ! he>t ( a /rang]1 see+ ye 7 /rang]s 9 ! l& ( ,egypt4 ,!y 7 d5iz5s1 b n citiz5s ( ,egypt f\r hundr$ ye>s4 ,lev4 #ai3cc1 #cd3 ,& if a /rang] soj\rn ) !e 9 y\r l&1 ye %all n vex him4 ,b ! /rang] t dwelle? ) y %all be unto y z "o born among y1 & ?\ %alt love him z ?yself2 = ye 7 /rang]s 9 ! l& ( ,egypt3 ,i am ! ,"l y\r ,god4 ,?is class ( d5iz5s or soj\rn]s 0 also to be treat$ ) ! same k9dness z _! own blood4 ,lev4 #be3ce1 #cf3 ,& if ?y bro!r be wax5 poor1 & fall5 9 decay ) !e1 !n ?\ %alt relieve him3 yea1 ?\gh he be a /rang]1 or a soj\rn]2 t he may live ) !e4 ,take ?\ no usury ( him1 or increase3 b fe> ?y ,god3 t ?y bro!r may live ) !e4 ,! soj\rn] or d5iz5 is "h di/+ui%$ f ! /rang] :o _h be5 naturaliz$1 adopt+ _! fai?4 #c4 ,!re 0 ano!r class call$ /rang]s4 ,?is class 0 limit$ to ! inhabitants ( _! promis$ l&4 ,rob9son's ,bible ,encyclop$ia says1 on ?is clause3 ',unto a /rang] ?\ maye/ l5d ^u usury4' ,9 ?is place ,god seems to tol]ate usury t[>d /rang]s3 t is ! ,canaanites & o!r p devot$ to subjection1 b n t[>d su* /rang]s aga9/ :om ! ,hebrews _h no qu>rel4 ,to exact usury is "h1 accord+ to ,ambrose1 an act ( ho/ility4 ,x 0 a k9d ( wag+ w> ) ! ,canaanites & ru9+ !m by means ( usury4 ,god )held 8 *os5 p f tak+ possession ( ! promis$ l& until _! iniquity 0 full & ! div9e s5t5ce ( condemnation _h be5 pron\nc$ aga9/ !m4 ,!y 7 to be root$ out ( ! l& & utt]ly de/roy$ = _! s9s1 & _! l& giv5 to ! *os5 p4 ,god decl>$ t he w\ld execute 8 s5t5ce1 driv+ !m out be=e !m1 z 8 p %\ld increase & be able to occupy ! l&4 ,ex4 #bc3bc1 #bh-cb3 ,= m9e angel %all g be=e !e1 & br+ !e 9 unto ! ,amorites1 & ! ,jebusite1 & ,i w cut !m (f4 ,& ,i w s5d hornets be=e !e1 :i* %all drive out ! ,hivites1 ! ,canaanite1 & ! ,hittite1 f be=e !e4 ,i w n drive !m out f be=e !e 9 "o ye>2 le/ ! l& become desolate & ! bea/s ( ! field multiply aga9/ !e4 ,by little & little ,i w drive !m out f be=e !e1 until ?\ be increas$1 & inh]it ! l&4 ,& ,i w set my b\nds f ! ,r$ ,sea ev5 unto ! sea ( ! ,phili/9es1 & f ! des]t unto ! riv]3 = ,i w deliv] ! inhabitants ( ! l& into y\r h&2 & ?\ %alt drive !m out be=e !e4 ,?\ %alt make no cov5ant ) !m1 nor ) _! gods4 ,ex4 #cd3aj-ab3 ,& he said1 ,behold1 ,i make a cov5ant3 be=e all ?y p ,i w d m>vels1 su* z h n be5 done 9 all ! e>?1 nor 9 any nation3 & all ! p among :i* ?\ art %all see ! "w ( ! ,"l3 = x is a t]rible ?+ t ,i w d ) !e4 ,obs]ve ?\ t :i* ,i comm& !e ?is day3 behold1 ,i drive out be=e !e ! ,amorite1 & ! ,canaanite1 & ! ,hittite1 & ! ,p]izzite1 & ! ,hivite1 & ! ,jebusite4 ,take he$ to ?yself1 le/ ?\ make a cov5ant ) ! inhabitants ( ! l& :i!r ?\ goe/1 le/ x be = a sn>e 9 ! mid/ ( !e4 ,!y 7 9 no way to cov5ant ) ?is p & int]f]e ) ! execution ( div9e judgm5t4 ,!y 7 comm&$1 will+ or unwill+1 to be 9 a measure ! execution]s ( ^? "u s5t5ce4 ,^! p ( ,canaan 7 depriv$ ( all rights by ! div9e s5t5ce & ! ,israelites 7 n to grant any4 ,to d s 0 direct disob$i5ce1 & yet mo/ ( ! tribes fail$ to obey ! comm&1 p]mitt+ _m ( ! inhabitants to rema94 ,:5 ! ,gibeonites deceiv$ ,jo%ua & secur$ a pl$ge1 ! pl$ge ( _! lives 0 kept1 b !y 7 made slaves1 doom$ to drudg]y =ev]1 hew]s ( wood & draw]s ( wat]4 ,jo%4 #i3bc4 ,?is compromise 0 contr>y to ! div9e comm& = _! utt] de/ruction4 ,to condone ! guilt ( ^! p1 or to int]f]e ) _! execution1 0 z flagrant a violation ( law z t ( a mod]n community t seeks to protect crim9als1 or t int]f]es ) ! execution ( ^? convict$ ( capital crimes4 ,?is class ( /rang]s _h no rights t ,hebrews 7 p]mitt$ to respect4 ,!y 7 n to be giv5 any privileges4 ,!y 7 to be treat$ z ,h9doo wid[s are treat$1 accurs$ ( ! gods & hat$ ( m54 ,debts 7 n to be =giv5 !m4 ,! ye> ( ,jubilee did n affect !m4 ,!y rema9$ enslav$ =ev]4 ,! ,sabba?'s re/ 0 only incid5tal1 t !re might be a complete cessation ( all activities4 ,9 ! f\r? comm&m5t ,deut4 #e3ad1 ?y /rang] is m5tion$ aft] ! ox1 ass1 & cattle1 & 0 giv5 re/ = ! same reason ! bea/s are p]mitt$ to re/3 ,t ?y man-s]vant & maid-s]vant may re/ z well z ?\4 ,!y _h n ! rights ( a common s]vant or slave4 ,! c>cass ( ! animal t di$ ( itself c\ld be giv5 !m to eat1 & !y c\ld be *>g$ usury4 ,yet ?is clause has be5 seiz$ ^u by av>ici\s ,jews z p]mission to exact usury ( all ! nations n ( ,hebrew blood1 ignor+ ! fact t :5 giv5 x 0 limit$ to ^? peoples "u ! curse ( ,god = _! iniquities4 ,x c n ju/ly be made to mean t ! ,hebrews h a "r to treat o!r nations ) less righte\sness ?an !y treat _! own p4 ,x is an unw>rant$ broad5+ to make x a p]mission to exact usury f all ! human race except f ,hebrews4 ,x 0 *iefly ! act+ ^u ?is false int]pretation1 class+ all ,g5tiles ) ^! /rang]s1 accurs$ ( ,god1 t _h no rights !y 7 p]mitt$ to respect1 t set e ,g5tile ,*ri/ian's h& aga9/ ! ,jews = fifte5 hundr$ ye>s4 ,no?+ m cle>ly m>k$ ! l9e betwe5 ,*ri/ian & ,hebrew dur+ fifte5 c5turies ?an ?is "o ?+1 t ! ,hebrews exact$ usury or int]e/ ( ! ,g5tiles :ile ! ,*ri/ians 7 unanim\s 9 its d5unciation1 & =bade its practice4 ,g5tile ,*ri/ian apologi/s = ! tak+ ( usury or int]e/1 to ov]come ! =ce ( ?is prohibition1 are compell$ to grant t ,*ri/ians may be less bro!rly ?an ,hebrews3 t ! borr[]s :e!r ,*ri/ian or n are /rang]s to ^? :o make !m loans ^u increase4 ,,*apt] ,,iv4 ,,david ,,& ,,solomon4 ,dev\t ,hebrews dur+ ! p]iod ( ! ,judges obey$ ! ,mosaic prohibition ( usury or int]e/4 ,x 0 also recogniz$ z b9d+ & obey$ dur+ ! reigns ( ,david & ,solomon4 ,?is 0 a greatly prosp]\s p]iod :5 comm]ce fl\ri%$ & trade 0 ext5d$ to ! ends ( ! e>?4 ,david 0 weak be=e c]ta9 temptations & 8 falls 7 griev\s1 b 8 rep5tance 0 deep & 8 returns to ,god 7 s9c]e4 ,he nev] fail$ to reg>d ,god z supreme ov] him & ! be/[] ( all 8 bless+s4 ,he is call$ ! man aft] ,god's own he>t1 & x is also said t 8 he>t 0 p]fect be=e ,god4 ,8 _s ( dev\t wor%ip has nev] be5 surpass$4 ,8 ,psalms1 9 all ! ages1 h be5 accept$ z express+ ! true ye>n+ aft] righte\sness & a long+ = clos] communion ) ,god4 ,david1 9 ! fifte5? ,psalm1 expresses ! ?\ght ( ! e>ne/ & rev]5t wor%ipp]s ( 8 "t4 ,?is ,psalm decl>es ! necessity ( moral purity 9 ^? :o w\ld be citiz5s ( ,zion & dwell]s 9 ! holy hill4 ,"l1 :o %all abide 9 ?y tab]nacle8 ,:o %all dwell 9 ?y holy hill8 ,he t walke? uprightly1 & worke? righte\sness1 & speake? ! tru? 9 8 he>t4 ,he t backbite? n ) 8 tongue1 nor doe? evil to 8 neighbor1 nor take? up a reproa* aga9/ 8 neighbor4 ,9 ^: eyes a vile p]son is condemn$2 b he honore? !m t fe> ! ,"l4 ,he t swe>e? to 8 own hurt & *ange? n4 ,he t putte? n out 8 money to usury1 nor take? rew>d aga9/ ! innoc5t4 ,he t doe? ^! ?+s %all nev] be mov$4 ,! description1 ,he t putte? n out 8 money to usury1 is direct & unqualifi$4 ,!re c\ld be no mi/ak+ its mean+4 ,^? :o 7 guilty c\ld n claim to be citiz5s ( ,zion4 ,!re is no qualify+ clause beh9d :i* ! usur] c\ld take refuge & escape condemnation4 ,?is ,psalm1 prep>$ by ! k+1 0 *ant$ 9 ! great congregation1 & 0 a prick to ! consci5ces ( ! s9n]s & a public repro( ( all ! s9s m5tion$4 ,he t putte? out 8 money to increase receiv$ ?us a public repro( 9 ! great wor%ipp+ assembly4 ,solomon1 end[$ ) unequal$ wisdom & able s cle>ly to disc]n ! "r1 places among 8 prov]bs a direct d5unciation ( ?is s94 ,prov4 #bh3h3 ,he t by usury & unju/ ga9 increase? 8 sub/ance1 he %all ga!r x = him t w pity ! poor4 ,9 ?is prov]b ! ga9 ( usury is class$ ) unju/ ga9 t %all n bless ! ga!r]4 ,?is is 9 entire h>mony ) o!r prov]bs 9 :i* ^? :o practice inju/ice & oppression are decl>$ to be want+ 9 true wisdom & receive no b5efit !mselves4 ,! righte\sness ( ! upright %all deliv] !m3 b transgressors %all be tak5 9 _! own naught9ess4 ,z righte\sness t5de? to life2 s he t pursue? evil pursue? x to 8 own dea?4 ,:oso cause? ! righte\s to g a/ray 9 an evil way1 he %all fall himself into 8 own pit2 b ! upright %all h good ?+s 9 possession4 ,rob n ! poor1 because he is poor3 nei!r oppress ! afflict$ 9 ! gate3 = ! ,"l w plead _! cause1 & spoil ! s\l ( ^? t spoil$ !m4 ,usury & unju/ ga9 are jo9$ by ,solomon z s9s ( ! same nature4 ,x is also impli$ t !y are necess>ily connect$ ) want ( sympa?y & helpfulness t[>d ! poor4 ,!y are pres5t$ z an oppression t %all n bless ! oppressor4 ,?is prov]b does n conf9e ! evil to ! borr[] l ! prov]b1 ,! borr[] is s]vant to ! l5d]4 ,! wrong is n conf9$ to ^? ( ! poor to :om loans may be made4 ,! oppression ( usury is ^u all ! poor ?\gh !y are n borr[]s4 ,!y are ! ultimate suff]]s ?\gh ! loan may be made by "o ri* man to ano!r to enable him to engage 9 "s bus9ess = pr(it4 ,usury is s b\nd up ) inju/ice t its practice _c fail to result 9 increas+ ! h>d conditions ( all ! poor4 ,solomon's reign 0 brilliant1 & ! %ips ( 8 comm]ce ent]$ e port 9 ! kn[n _w1 yet usury 0 n necess>y & 0 n practic$ 9 t prosp]\s age4 ,,*apt] ,v4 ,,d5unciation ,,( ,,j]emiah ,,& ,,ezekiel4 ,! ,hebrew nation rea*$ its summit ( p[] & glory dur+ ! reign ( ,k+ ,solomon1 b corruption crept 9 & dis9tegration foll[$1 & a s]ies ( conflicts betwe5 portions ( ! k+dom4 ,! laws giv5 by ,moses 7 neglect$1 & a long p]iod ( gross s9n+ foll[$4 ,!y 7 w>n$ by ! fai?ful yet hopeful prophet ,isaiah t ! ov]?r[ ( _! nation 0 c]ta91 & t _! p w\ld be c>ri$ captive to a /range l& unless !y =sook utt]ly _! s9s & turn$ to righte\sness4 ,!y did n he$ & ! pr$ict$ calamities came ^u !m4 ,9 ! mid/ ( ^! calamities ! contempor>y prophets ,j]emiah & ,ezekiel m9i/]$4 ,!y diff]$ greatly 9 _! dispositions4 ,j]emiah 0 a compla9]4 ,always bemoan+ 8 own & 8 p's h>d lot4 ,! ,lam5tations are recogniz$ z ! be/ extant expression ( unmitigat$ grief4 ,he lam5t$ 8 bir? because he 0 treat$ z a usur] & oppressor1 :5 he _h nev] exact$ usury1 nor _h bus9ess ) usur]s4 ,j]4 #ae3aj3 ,woe1 is me1 my bro!r1 t ?\ ha/ borne me a man ( /rife & a man ( cont5tion to ! :ole e>?4 ,i h nei!r l5t on usury1 nor h m5 l5t to me on usury2 yet e "o ( !m do? curse me4 ,ezekiel 0 always pati5t1 fai?fully proclaim+ 8 messages1 & suff]+ 9 sil5ce4 ,! complet5ess ( 8 self-control & pati5t suff]+ is %[n 9 ! %ort b pa!tic description ( ! dea? ( 8 belov$ wife1 yet at ! div9e comm& he repress$ 8 grief & deliv]$ 8 message ! foll[+ morn+4 ,ezekiel #bd3ae-ah3 ,also ! ^w ( ! ,"l came unto me1 say+1 ,son ( man1 behold1 ,i take away f !e ! desire ( ?9e eyes ) a /roke2 yet nei!r %alt ?\ m\rn nor weep1 nei!r %all ?y te>s run d[n4 ,=be> to cry1 make no m\rn+ = ! dead1 b9d ! tire ( ?y head ^u !e1 & put on ?y %oes ^u ?y feet1 & cov] up ?y lips1 & eat n ! bread ( m54 ,s ,i spake ( p 9 ! morn+2 & at ev5 my wife di$2 & ,i did 9 ! morn+ z ,i 0 comm&$4 ,^! prophets 7 famili> ) ! same sc5es4 ,!y met ! same s9s4 ,"s h ?\ght !y ex*ang$ messages1 s5d+ !m respectively to ,j]usalem & ,*aldea = enc\ragem5t & confirmation4 ,?is 0 ! op9ion ( ,j]ome4 ,9 a catalogue ( ! s9s prevail+ 9 ,j]usalem1 = :i* ! judgm5t ( ,god came ^u !m1 ?is prophet places ,usury & increase4 ,ezekiel #bb3 #g-ab3 ,9 !e h !y set light by fa!r & "m3 9 ! mid/ ( !e h !y dealt by oppression ) ! /rang]3 9 !e h !y vex$ ! fa!rless & ! wid[4 ,?\ ha/ despis$ m9e holy ?+s1 & ha/ pr(an$ my ,sabba?s4 ,9 !e are m5 t c>ry tales to %$ blood3 & 9 !e !y eat ^u ! m\nta9s3 9 ! mid/ ( !e !y commit lewdness4 ,9 !e h !y discov]$ _! fa!r's nak$ness3 9 !e h !y humbl$ h] t 0 set ap>t = pollution4 ,& "o ha? committ$ abom9ation ) 8 neighbor's wife2 & ano!r ha? lewdly defil$ 8 daught]-9-law2 & ano!r 9 !e ha? humbl$ 8 si/]1 8 fa!r's daught]4 ,9 !e h !y tak5 gifts to %$ blood2 ?\ ha/ tak5 usury & increase1 & ?\ ha/ gre$ily ga9$ ( ?y neighbors by extortion1 & ha/ =gott5 me1 sai? ! ,"l ,god4 ,x w\ld n be easy to give a li/ ( m gross & flagrant s9s ?an ^? associat$ ) usury 9 ?is passage4 ,!y are all1 always & ev]y:]e1 s9ful4 ,9 no condition c !y be lawful & "r4 ,"o ( ! answ]s famili> to bo? ,j]emiah & ,ezekiel :5 ! p 7 reprov$ = _! s9s & exhort$ to =sake !m1 t ! div9e judgm5ts might be remov$1 0 ?is1 t _! suff]+s 7 n on _! own acc\nt1 b = ! s9s ( _! fa!rs4 ,!y ?us met ! *>ge ( p]sonal s9s & claim$ _! suff]+s 7 inh]it$ & unavoidable4 ,_! fa!rs _h indulg$ 9 s9 & !y mu/ reap ! consequ5ces4 ,!y compla9$ t ?is 0 h>dness 9 ,god4 ,!y express$ ?is murmur by a prov]b4 ,j]4 #ca3bi3 ,! fa!rs h eat5 a s\r grape1 & ! *ildr5's tee? are set on edge4 ,! answ] ( ! prophet ,j]emiah briefly is1 t e "o %all answ] = 8 own s94 ,j]4 #ca3cj3 ,b e "o %all die = 8 own iniquity3 e man t eate? ! s\r grape1 8 tee? %all be set on edge4 ,?is same prov]b 0 repeat$ly giv5 to ,ezekiel1 z an excuse = cont9u+ 9 s9s1 ev5 :5 ! judgm5ts ( ,god 7 ^u !m4 ,! ^w ( ! ,"l came m fully & explicitly to him4 ,ezekiel decl>es t ! s9s ( ! fa!rs 7 visit$ on ! *ildr5 only :5 !y cont9u$ 9 _! fa!r's iniquity4 ,t ^? :o =sook ! s9s ( _! fa!rs & 7 righte\s1 7 free f ! puni%m5t ( ! unrighte\s p>5ts4 ,ezekiel #ah3a-ag3 ,! ^w ( ,god came unto me aga91 say+1 ,:at mean ye1 t ye use ?is prov]b conc]n+ ! l& ( ,israel1 say+1 ,! fa!rs h eat5 s\r grapes & ! *ildr5's tee? are set on edge4 ,z ,i live1 sai? ! ,"l ,god1 ye %all n h occasion to use ?is prov]b 9 ,israel4 ,behold1 all s\ls are m9e2 z ! s\l ( ! fa!r1 s also ! s\l ( ! son is m9e3 ! s\l t s9ne?1 x %all die4 ,b if a man be j1 & d t :i* is lawful & "r1 & ha? n eat5 ^u ! m\nta9s1 nei!r ha? lift$ up 8 eyes to ! idols ( ! h\se ( ,israel1 nei!r ha? defil$ 8 neighbor's wife1 nei!r ha? come ne> to a m5/ru\s woman1 7i4e4 nei!r ha? committ$ a rape17 & ha? n oppress$ any1 b ha? re/or$ to ! debtor 8 pl$ge1 ha? spoil$ none by viol5ce1 ha? giv5 8 bread to ! hungry1 & ha? cov]$ ! nak$ ) a g>m5t4 ,he t ha? n giv5 =? ^u usury1 nei!r ha? tak5 any increase1 t ha? )drawn 8 h& f iniquity1 ha? execut$ true judgm5t betwe5 man & man4 ,ha? walk$ 9 my /atutes1 & ha? kept my judgm5ts1 to deal truly2 he is j1 he %all surely live1 sai? ! ,"l ,god4 ,if he beget a son t is a robb]1 a %$d] ( blood1 & t doe? ! l to any "o ( ^! ?+s2 & t doe? n any ( ^? duties b ev5 ha? eat5 ^u ! m\nta9s1 & defil$ 8 neighbor's wife1 ha? oppress$ ! poor & ne$y1 ha? spoil$ by viol5ce1 ha? n re/or$ ! pl$ge1 & ha? lift$ 8 eyes to ! idols1 ha? committ$ abom9ation1 ha? giv5 =? ^u usury1 & ha? tak5 increase3 ,%all he !n live8 ,he %all n live3 he ha? done all ^! abom9ations2 he %all surely die2 8 blood %all be ^u him4 ,n[1 lo1 if he beget a son1 t see? all 8 fa!r's s9s :i* he ha? done1 & consid]e?1 & doe? n su* l3 t ha? n eat5 ^u ! m\nta9s1 nei!r ha? lift$ up 8 eyes to ! idols ( ! h\se ( ,israel1 ha? n defil$ 8 neighbor's wife1 nei!r ha? oppress$ any1 ha? n )hold5 ! pl$ge1 nei!r ha? spoil$ by viol5ce1 b ha? giv5 8 bread to ! hungry1 & ha? cov]$ ! nak$ ) a g>m5t1 t ha? tak5 (f 8 h& f ! poor1 t ha? n receiv$ usury or increase1 ha? execut$ my judgm5ts1 ha? walk$ 9 my /atutes2 he %all n die = ! iniquity ( 8 fa!r1 he %all surely live4 ,x w be notic$ t usury or increase is "h m5tion$ among ! grosse/ & f\le/ s9s ( :i* t p 7 guilty4 ,!y are plac$ by ! prophet 9 ! wor/ possible company4 ,he classifies !m among ^? ?+s t c nev] be "r4 ,!re is no qualification ( increase great or small1 nor ( usury :e!r ! loan be dome/ic or comm]cial1 :e!r = p]sonal ne$1 or to g into bus9ess1 :e!r ! borr[] be poor or ri*4 ,usury is m5tion$ z malum p] se4 ,usury & increase are treat$ z s9ful 9 !mselves1 j z fraud1 viol5ce1 impurity1 & idolatry are s9ful1 & c nev] be innoc5t unless _! v natures are rev]s$4 ,:5 !re is fraud )\t di%one/y1 & viol5ce )\t injury1 & adult]y )\t impurity1 & idolatry )\t false wor%ip1 !n may !re be usury & increase )\t inju/ice & oppression4 ,"s s9s 9 !mselves & by reason ( sev]al aggravations are m he9\s 9 ! sight ( ,god ?an o!rs1 ! prophet ,ezekiel places usury or increase 9 ! li/ ( abom9ations4 ,,*apt] ,,vi4 ,,f9ancial ,,re=m ,,by ,,nehemiah4#a ,aft] sev5ty ye>s ( captivity ( ! ,hebrews 9 ,*aldea an edict 0 issu$ by ,cyrus ! k+ p]mitt+ _! return to ,judea4 ,! mo/ e>ne/ & dev\t _h be5 re/less & homesick 9 ! /range l&4 ,! re/oration 0 l$ by ,z]ubbabel :o accompani$ by ab\t five ?\s& ( ! mo/ dev\t m5 f ! v>i\s families1 made _! way ov] ! long return to _! =m] home4 ,?is 0 only ab\t "o-six? ( ! captive population4 ,_m pref]r$ to rema9 9 ! l& !y _h n[ adopt$1 & :]e "s _h be5 prosp]$1 & "s 7 p]haps less f]v5t 9 _! religi\s zeal4 ,?is fraction ( ! p1 h[ev]1 det]m9$ to re-erect _! temple & to cultivate ! fields aga9 t 7 giv5 to _! fa!rs & to rebuild ! nation1 ! tradition ( ^: glory nev] fail$ to /ir _! he>ts4 ,eighty ye>s lat] ano!r company "u ! prie/ & s*ol>1 ,ezra1 au?oriz$ by ,artax]xes1 jo9$ ! fir/ colony t _h return$ to re-occupy _! own l&4 ,a few ye>s lat] ano!r company 0 l$ by ! patriot1 ,nehemiah4 ,nehemiah 0 9 an honorable & lucrative position 9 ! fir/ c\rt ^u e>?1 yet he griev$ ov] ! mis=tunes ( 8 own p1 & especially ov] ! report$ di/ress ( ! return$ exiles4 ,he s\ght leave ( abs5ce & a commission to return & co-"w ) 8 bre?r5 = _! complete re-e/abli%m5t at ,j]usalem4 ,! leave ( abs5ce 0 *e]fully grant$ & a broad commission giv5 to take ) him any :o wi%$ to return4 ,! rev5ues ( ! k+ 7 plac$ at 8 disposal & ! gov]nors ( ! prov9ces 7 ord]$ to assi/ & fur!r 8 "w4 ,a l>ge company ( ! e>ne/ & dev\t return$ ) him1 confid5t ( 8 protection & 9 sympa?y ) 8 mission4 ,he delib]ately review$ ! "w to be done1 made c>eful plans & 0 greatly successful4 ,! p 7 ob$i5t4 ,!y *e]fully endur$ ! privations & dang]s 9 _! devotion to _! c\ntry1 & 9 ! hope ( retriev+ ! =tunes ( _! depress$ p4 ,enemies appe>$1 :o ?reat5$ to e/op _! "w1 b "s work$ :ile o!rs wat*$1 ) arms 9 h&1 ready to def5d4 ,"s wr\ght ) "o h& & held a weapon = ready def5ce 9 ! o!r4 ,nehemiah & 8 aides1 & _m ( ! p1 did n take (f _! clo!s1 b 7 on duty con/antly--s devot$ 7 !y to ! cause 9 :i* !y 7 engag$1 rega9+ _! homes & re-e/abli%+ ! wor%ip ( _! fa!rs & rebuild+ ! nation4 ,b !re 0 a /range int]ruption 9 ?is patriotic "w4 ,a sordid covet\sness possess$ _! nobles & rul]s4 ,:ile ! p 7 absorb$ 9 _! patriotic s]vice1 ^! p]sons 7 plann+ successfully to despoil !m4 ,a cry ( di/ress came to ! e>s ( ,nehemiah4 ,! p f\nd1 n[ t !y _h made ! sacrifice & suff]$ deprivations & *e]fully giv5 _! labors = ! common good1 !y 7 depriv$ ( _! bless+s & enslav$4 ,?is enslavem5t 0 n to =eign rul]s1 b to ^? ( _! own blood4 ,a division _h gr[n up among _! own k9dr$4 ,"s _h gr[n ri* & become _! ma/]s4 ,o!rs 7 9 hopeless pov]ty4 ,! di/9ctions came gradually or grew up among !m1 possibly unobs]v$3 ! ri* becom+ ri*] & ! poor poor]1 until ! nobles held _! l&s & 7 sell+ _! sons & daught]s z *attels4 ,?is condition 0 hopeless1 aft] all _! /ruggles = ne>ly a hundr$ ye>s to re-e/abli% _! in/itutions4 ,nei!r !y nor _! *ildr5 c\ld1 "u ^? conditions1 enjoy ! fruit ( all _! ef=ts4 ,?is 0 no fault ( !irs4 ,!re _h be5 times ( de>? & h>ve/ failure1 :5 "s ) l>ge families 7 9 ne$4 ,! k+'s tribute1 too1 0 heavy ^u !m & "s 7 n able to pay & !y 7 compell$ to borr[1 b _h to give mortgages ^u _! l& z security4 ,n[ l&s1 homes & all1 _h pass$ to ! cr$itors & !y 7 despond5t & helpless4 ,?is cry caus$ ,nehemiah great di/ress1 b ,nehemiah 0 n l ,ezra1 a dev\t & le>n$ prie/1 b )\t executive p[]1 :o 9 a l position gave way to unmitigat$ grief4 ,nehemiah 0 equally patriotic & consci5ti\s1 b he 0 also a /rong lead] & an indep5d5t comm&]4 ,he did n call toge!r ! nobles & rul]s *>g$ ) oppression & ask !m :at he %\ld d4 ,he _h none ( _! c\nsel4 ,he took c\nsel ) himself1 8 own consci5ce1 8 own judgm5t1 & work$ out an indep5d5t1 individual policy :i* he %\ld pursue4 ,8 sympa?y 0 ) ! suff]+ p1 & he det]m9$ to esp\se _! cause & to correct _! wrongs4 ,he !n call$ ! nobles & rul]s & *>g$ !m to _! face ) oppression4 ,he laid ! ax at ! root ( ! tree & *>g$ ! fault to _! covet\sness1 to ! exact+ ( usury or int]e/4 ,x 0 ?is1 he decl>$1 t _h br\ght !m to weal?1 b driv5 o!rs to pov]ty4 ,he dem&$ rep>ation4 ,:5 !y 7 sl[ to yield1 he call$ a convocation ( ! p & ar\s$ !m to a due s5se ( ! wrong !y _h be5 endur+1 & laid b>e ! s9s ( ! rul]s & nobles4 ,he %[$ ! oppression by comp>+ _! sordid & gre$y conduct ) ! unselfi%1 self-sacrifice ( himself & o!rs = ! common good4 ,:ile he & ! patriotic p 7 busy ) h& & bra9 9 rebuild+ ! nation & fight+ ! enemies1 ^! usur]s 7 busy gett+ 9 _! "w ( ru91 ga!r+ ! prop]ty into _! own h&s & enslav+ ! patriots4 ,! usur]s 7 n able to )/& ?is onslaught ( ! *ief comm&] & ! ar\s$ p1 & !y made no reply4 ,_! conduct _h s evid5tly be5 contr>y bo? to ! lett] & _s ( _! own law1 !y 7 compell$ to yield & to say meekly1 ,we w d z y h said4 ,!n he /at$ ! t]ms & conditions ( ! re=m he w\ld in/itute4 #a4 ,!y mu/ return ! pl$ges !y _h tak5 = debts1 )\t res]ve4 ,! p mu/ n be depriv$ ( _! l&1 tools1 or in/rum5ts ( production4 ,! =eclosure ( mortgages mu/ be set aside & ! p aga9 giv5 possession ( _! l&s4 #b4 ,int]e/ mu/ be return$ or cr$it$ ^u ! debts4 ,if ! int]e/ equal$ ! debt1 !n ! debt 0 fully dis*>g$4 ,if m ?an ! pr9cipal _h be5 paid1 !n x mu/ be return$ 9 money or 9 ! product ( l&s tak5 9 =eclosure1 ! w9e or oil or fruits & gra9s mu/ be return$4 ,?us only c\ld ! wrongs be correct$ & righte\s adju/m5t be made4 ,!re !n foll[$ a g5]al re/oration ( pl$ges & a cancell+ ( debts t _h be5 paid once 9 int]e/1 & a repay+ ( any surplus4 #c4 ,!y mu/ take a solemn v[ t ?is s9 %all h5ce=? be unkn[n among !m4 ,! law aga9/ usury or int]e/ mu/ h5ce=? be c>efully obey$4 ,^! di/9ctions t _h gr[n up among !m mu/ disappe> =ev]1 & ! cause ( ! pov]ty ( ! _m & ! weal? ( ! few mu/ be %unn$4 ,to ^! conditions ! usur]s ass5t$1 made a%am$ by ! conduct ( ! noble patriot 9 contra/ ) _! own selfi%ness1 ?\gh !y _h n yield$ until aw$ & compell$ by ! indignation ( ! p1 :i* ,nehemiah _h enk9dl$ aga9/ !m4 ,?is positive en=cem5t ( ! law aga9/ ! tak+ ( increase on any loan1 makes unmi/akably cle> ! int]pretation ( ! law by ! dev\t1 e>ne/1 s9c]e1 ,god-fe>+ ,hebrews1 d[n to ! close ( ! ,old ,te/am5t ,canon4 #a ,ref]5ces3 ,ezra1 ,nehemiah1 ,bible ,diction>ies4 ,,*apt] ,,vii4 ,,tea*+s ,,( ,,! ,,ma/]4 ,psalmi/ & prophets _h sung ( ! exalt$ "* ( ! com+ ,messiah4 ,?\ art fair] ?an ! *ildr5 ( m53 grace is p\r$ into ?y lips4 ,& 8 "n %all be call$ ,wond]ful1 ,c\nselor1 ,! ,mighty ,god1 ,! ,ev]la/+ ,fa!r1 ,! ,pr9ce ( ,peace4 ,at 8 com+ he lift$ to a high] plane1 by 8 precepts & example1 ! ideal ( a true1 noble & wor?y human life4 ,by 8 tea*+s & by 8 life ( utt] unselfi%ness he reveal$ cle>ly ! exalt$ "* & conduct t con=m$ to ! ,div9e w4 #a4 ,our ,"l's "* =bids t we %\ld ?9k ( him = a mom5t z devot$ to ! ga!r+ ( worldly weal?4 ,he came to m9i/] unto1 n to s]ve himself4 ,self-seek+ 0 =eign to 8 nature4 ,a great tru? 0 spok5 by ! sc(f]s4 ,he sav$ o!rs1 himself he _c save4 ,he :o /rives to foll[ 9 8 foot/eps _c s]ve himself4 ,! :ole drift ( a great unselfi% ,*ri/-l s\l mu/ be = o!rs4 ,! :ole curr5t ( 8 ?\ght & ef=t dur+ 8 life mu/ be1 to be helpful to o!rs4 ,/udy+ & /riv+ to help o!rs1 he _c seek weal?4 ,ye _c s]ve ,god & mammon4 ,x is out ( h>mony ) ! :ole life & all ! tea*+s ( ! ,ma/] t he %\ld enc\rage or p]mit a means ( increas+ weal? =bidd5 by ! laws giv5 by ,moses & class$ among ! vile/ ( s9s by ! prophets4 #b4 ,aga93 ,he did n undo ! tea*+s ( ! prophets1 b enl>g$ _! scope4 ,he %[$ by ^w & example h[ ! true _s ( ! tea*+s ( ! old disp5sation l$ to self-sacrifice = ! welf>e ( o!rs4 ,matt4 #e3ag3 ,?9k n t ,i am come to de/roy ! law1 or ! prophets3 ,i am n come to de/roy b to fulfill4 ,fulfill1 "h1 is m ?an to obey4 ,x is 9 anti!sis ) de/roy1 & means to p]fect & complete4 ,! old c]emonial =ms ( religi\s wor%ip1 po9t$ to ! adv5t ( "o :o %\ld be a p]fect sacrifice = s91 typifi$ by ! daily sacrifice ( bulls & rams4 ,! sacrifice typifi$1 0 complet$ 9 ,him4 ,! moral enactm5ts 7 n set aside1 b !y 7 giv5 a complet$ mean+2 t is !y 7 made to rea* beyond ! ext]nal to ! hidd5 desires & affections ( ! he>t4 ,he taught t m]e ext]nal compliance 0 n suffici5t 9 ! ,all ,see+ ,eye4 ,! affections & desires ( ! s\l mu/ be 9 agreem5t4 ,?us we h ! explanation ( ! law ( *a/ity1 complet$1 requir+ purity ( ! s\l4 ,s murd] is n m]ely ! ext]nal act1 b ! law = murd]1 complet$1 =bids enmity or hatr$ hidd5 9 ! he>t4 ,! requirem5ts = mutual helpfulness 7 also p]fect$ or complet$4 ,! old law requir$ ! help+ ( a bro!r 9 ne$4 ,deut4 #ae3g1 #h3 ,if !re be among y a poor man ( "o ( ?y bre?r5 )9 any ( ?y gates 9 ! l& :i* ! ,"l ?y ,god give? !e1 ?\ %alt n h>d5 ?y he>t1 nor %ut ?9e h& f ?y poor bro!r4 ,b ?\ %alt op5 ?9e h& wide unto him1 & %alt surely l5d him suffici5t = 8 ne$1 9 t :i* he wante?4 ,?is 0 complet$ s z to ext5d ! help to all suff]]s1 ?\gh n k9dr$ nor fri5dly1 & ?\gh !y may n be able nor will+ to repay4 ,luke #f3ce3 ,b love ye y\r enemies1 & d good1 & l5d1 hop+ = no?+ aga92 & y\r rew>d %all be great1 & ye %all be ! *ildr5 ( ! ,highe/3 = he is k9d unto ! un?ankful1 & to ! evil4 ,! old law p]mitt$ ! l5d] to take a pl$ge to secure ! return ( z mu* aga91 t is1 ! loan )\t int]e/4 ,! ,ma/] enjo9s be+ helpful ?\gh ! pr9cipal %\ld nev] be repaid4 ,to take a pl$ge or mortgage & add ! int]e/ w\ld greatly h>d5 ! conditions = ! borr[]4 ,x w\ld be a /ep backw>d & n =w>d 9 ! way ( helpfulness to o!rs4 ,aga91 ! ye> ( ,jubilee 0 a k9d ( legal "t limit to debts4 ,all obligations 7 !n cancell$4 ,no debt c\ld be collect$4 ,! selfi% ,hebrew fe>$ to make a loan %ortly be=e ,jubilee le/ x %\ld n be repaid promptly & 8 claim w\ld become wor?less4 ,deut4 #ae3i3 ,bew>e t !re be no ?\ght 9 ?y wick$ he>t1 say+1 ,! sev5? ye>1 ! ye> ( release is at h&2 & ?9e eye be evil t[>d ?y poor bro!r1 & ?\ give/ him naught2 & he cry unto ! ,"l aga9/ !e & x be s9 unto !e4 ,9 8 he>t ! old ,hebrew might h a desire to press 8 claim b ! law protect$ ! debtor4 ,?is law = ! release ( ! debtor f ! paym5t ( pr9cipal )\t int]e/ is complet$ s z to require s9c]e & he>ty =giv5ess4 ,our ,"l taught 8 disciples to ask = =giv5ess ( ,god only z !y =gave _! debtors1 ,matt4 #f3ab3 ,& =give u our debts1 z we =give our debtors4 ,! comm]cial t]ms "h us$ %[ ?is to be ! completion ( ! law z t\*+ ! cr$itor & 8 releas$ debtor4 #c4 ,aga91 he broke d[n ! artificial b>ri]s1 ! di/9ction ( ,hebrew & ,g5tile1 ,greek & ,b>b>ian1 bond & free4 ,! love & sympa?y & helpfulness among m5 0 no long] to be limit$ to su* n>r[ b\nds1 b mu/ be wide z ! race4 ,:o is my neighbor8 is s answ]$ t e man mu/ be neighbor to e o!r man1 & ! object ( 8 c>e & help4 ,all are ( "o blood1 & all ,god's *ildr54 ,he gave "o law = all classes & conditions 9 all times4 ,he s exp\nd$ ! old comm&m5ts & s cond5s$ !m1 t !y became ! "o law ( love4 ,:osoev] is gov]n$ by supreme love to ,god1 & loves 8 neighbor z himself1 has fulfill$ ! law4 ,he w\ld ?us b9d all m5 toge!r1 & all to ! ?rone ( ,god1 by ! "o bond ( love4 ,b he fur!r int5sifi$ ! obligations ( love1 by 8 own special comm&4 ,john #ae3ab3 ,?is is my comm&m5t1 t ye love "o ano!r1 z ,i h lov$ y4 ,& he adds x to ! decalogue1 ,john #ac3cd3 ,a new comm&m5t ,i give unto y1 t ye love "o ano!r z ,i h lov$ y t ye also love "o ano!r4 ,?is new comm& requires t m5 %all love _! bre?r5 above !mselves & be ready to sacrifice = _! welf>e4 ,z he gave 8 life1 s also he comm&$ t m5 %\ld sacrifice = _! fell[s4 ,^? :o he> 8 voice & h ! _s ( ob$i5ce g to ! ends ( ! e>?1 & make any sacrifice t may be requir$ = ! uplift+ ( fall5 m54 ,! law =bidd+ ! ,hebrews exact+ usury ( _! bre?r51 ( ! /rang] :o _h accept$ _! fai? & kept ! passov]1 ( ! /rang]1 soj\rn] :o dwelt among !m1 ( ev]ybody except ! ,canaanite :o 0 "u ! condemnation ( ,god1 c\ld n h be5 annull$ or susp5d$ by ! div9e ,ma/] :o ?us draws toge!r & embraces z "o family ! :ole race4 ,! ties ( ,*ri/ian bro!rhood are n less /rong ?an ! ties ( ,hebrew blood4 ,! conv]ts f hea!n to ,*ri/ian fai? are n less de> to ! mission>y ?an ! proselytes to ! ,hebrew fai? 7 to ! ,ph>isees4 ,! =eign] :o comes into a ,*ri/ian community mu/ n be treat$ ) less ju/ice & k9dness ?an ! w&]+ ,arab :o /roll$ into ,j]usalem = a trade4 ,x _c be t ! relation betwe5 ,*ri/ians is l t betwe5 ! ,hebrew & ! crim9al ,canaanites :o 7 convict$ ( capital crimes & "u s5t5ce ( dea?4 ,z usury 0 repugnant to t _s ( ju/ice & bro!rly love t obta9$ 9 ! ,hebrew ,/ate1 mu* m is x repugnant to t clos] bro!rhood into :i* we are drawn by ! div9e ,"l4 #d4 ,aga91 ,he 0 a fri5d ( ! poor & l[ly4 ,?is 0 =etold by ! song ( ! virg91 :5 assur$ t %e %\ld be ! "m ( ! ,savior4 ,luke #ea3eb1 #ec3 ,he ha? put d[n ! mighty f _! seats1 & exalt$ !m ( l[ degree4 ,he ha? fill$ ! hungry ) good ?+s2 & ! ri* ,he ha? s5t empty away4 ,! prophets =etold t ,he %\ld be ! fri5d ( ! poor4 ,he po9t$ ,john to ! fulfilm5t ( ^! prophecies 9 pro( ( 8 ,messiah%ip4 ,9 8 fir/ address 9 ! explanation ( ! new disp5sation he began by say+1 ,bless$ are ! poor 9 _s4 ,! lit]al r5d]+ w\ld be1 ,bless$ are ! poor1 to ! ,_s4 ,?is is ! dative s+ul> ) ! def9ite article4 ,he is speak+ ( ext]nal conditions z contra/$ ) spiritual bless+s1 & ^? conditions ?\ght wret*$ 9 ! _w 7 especially favorable = ! developm5t ( grace4 ,! poor1 humble1 m\rn+1 suff]+1 & p]secut$ 7 especially bless$ 9 8 k+dom4 ,! ^w r5d]$ poor does n mean paup]4 ,!re is a great diff]5ce4 ,! poor may be indu/ri\s1 self-reliant & self-support+4 ,!re is no h9t ( dep5d5ce4 ,9 ,luke he says1 ,bless$ are ye poor4 ,:5 at ! ri* man's table1 he told 8 ho/ t he w\ld be m bless$ if he %\ld make ! next fea/ to ! poor & defective1 t c\ld make him no return4 ,he 0 uncompromis+ 9 8 d5unciation ( ! ri*4 ,luke #f3bd3 ,b woe unto y t are ri*1 = ye h receiv$ y\r consolation4 ,he %[$ ! dang] ( ri*es 9 ! p>able ( ! s[]4 ,matt4 #ac3bb3 ,he also t receiv$ se$ among ?orns is he t he>e? ! ^w2 & ! c>e ( ?is _w1 & ! deceitfulness ( ri*es *oke ! ^w1 & x become? unfruitful4 ,:]e grace is to be cultivat$ & fl\ri%1 ! gre$ ( ga9 mu/ n ent]4 ,! "y man :o came to him1 :om he lov$ = 8 sweet disposition & excell5t "*1 he turn$ away by ! answ] t 8 weal? 0 incompatible ) 8 salvation4 ,he mu/ "p f 8 ri*es4 ,:5 ! disciples 7 surpris$1 he made x m emphatic1 ,matt4 #ai3bd3 ,& aga9 ,i say unto y1 x is easi] = a camel to g ?r\gh ! eye ( a ne$le1 ?an = a ri* man to ent] ! k+dom ( ,god4 ,& :5 !y felt t ?is made salvation impossible1 he decl>$ x c\ld only be possible by ! ex]cise ( omnipot5t1 div9e grace4 ,zac*eus1 ! "o ri* man ^: conv]sion is record$1 surr5d]$ 8 ill-gott5 ga9 f\rfold & gave away half ( ! rema9d] be=e salvation came to 8 h\se4 ,! temptation to tru/ & lean ^u ri*es is irresi/ible4 ,our ,"l did n make weal? m dang]\s ?an "u ! ,mosaic disp5sation by remov+ ! re/ra9t t 0 !re put ^u x4 ,z a fri5d to ! poor he did n give weal? an advantage x did n h be=e4 #e4 ,! :ole drift ( 8 tea*+s limit$ & re/ra9$ accumulation ( weal?4 ,! p>able ( ! ri* fool is a =cible pres5tation ( its human folly on ! e>?ly side4 ,^: %all ^! ?+s be8 ,lay n up = y\rselves treasures ^u e>?1 :]e mo? & ru/ do? corrupt1 & :]e ?ieves break ?r\gh & /eal3 ,b lay up = y\rselves treasures 9 heav51 :]e nei!r mo? nor ru/ do? corrupt1 & :]e ?ieves d n break ?r\gh & /eal3 ,= :]e y\r treasure is1 !re w y\r he>t be also4 ,! result is irresi/ible2 :5 engag$ 9 /or+ e>?ly treasure1 ! he>t w be e>?ly2 or if lay+ up treasures 9 heav51 ! he>t w rea* heav5w>d4 ,he :o labors = a heav5ly rew>d1 w be heav5ly m9d$4 ,treasures are /or$ = et]nity1 :5 us$ = ! br++ out ( t :i* %all survive ! grave2 = ! br++ out ! highe/ div9e type ( manhood & womanhood1 9 ourselves1 9 our *ildr51 & 9 all ! *ildr5 ( m54 ,treasures exp5d$ 9 ! developm5t ( immortals %all be f\nd :5 ! e>?ly & temporal sc5es h pass$ away4 ,t :i* is exp5d$ 9 ! uplift+ ( ! race %all be our et]nal rew>d4 ,giv+1 giv+1 n ho>d+ is comm5d$4 ,productive indu/ry he en=c$ by 8 example1 ! c>p5t] t wr\ght = 8 daily bread4 ,he *ose workm5 to be 8 foll[]s4 ,he taught economy 9 ! comm& to take up ! fragm5ts ( ! food miracul\sly creat$ t no?+ be lo/1 yet unres]v$ giv+ 0 ! lesson he inculcat$ & illu/rat$ 9 8 life4 ,to foll[ 8 example1 we mu/ produce & produce mu*1 yet :at we ga9 is to be exp5d$1 s z to promote ! highe/ welf>e ( all mank9d4 ,we mu/ n /ore ! fruits ( our labor1 b exp5d1 n z a sp5d?rift :o wa/es1 b judici\sly & wisely = ,god & man4 ,our giv+ is only limit$ by ! ability & facility to produce4 ,our ,"l did n greatly add to ! temptation to ho>d by deliv]+ ! e>?ly treasures f ! decay by mo? & ru/ & in/ead p]mitt+ _! increase4 ,our ho>d+ ( e>?ly treasures mu/ be limit$1 because ( our disposition to tru/ 9 !m4 ,we mu/ always be s dep5d5t t we %all pray truly ) ! _s ( dep5d5ce1 ,give u ?is day our daily bread4 ,give me nei!r pov]ty nor ri*es2 fe$ me ) food conv5i5t = me4 ,?rift does n require t we %all ho>d an am\nt t w support u ?r\gh life1 mu* less t we %all lay up a =tune1 t %all free our *ildr5 f ! necessity ( productive labor4 ,! _s ( ! ,ma/]'s tea*+s is1 t ea* age %all produce & sp5d its product = its own advancem5t1 !n ea* succe$+ age %all be bett] fitt$ to produce & c>e = itself & s advance ! com+ g5]ations4 ,g "w today 9 my v9ey>d4 ,n[ is ! "t to give & d = ! g5]ation yet unborn4 ,,*apt] ,,viii4 ,,p>ables ,,( ,,! ,,tal5ts ,,& ,,! ,,p\nds4 ,our ,"l m5tions usury by "n only 9 ! p>ables ( ! tal5ts & p\nds4 ,matt4 #be3ad-cj2 ,luke #ai3ab-bg4 ,usury is m5tion$ 9 ^! passages incid5tally to meet ! excuses ( wor?less s]vants1 b 9 bo? z ! unju/ & oppressive act ( a h>d & di%one/ man4 ,^! ref]5ces to usury are 9 entire h>mony ) ! expressions ( ,david & ,solomon1 & ( ,j]emiah & ,ezekiel4 ,^! s]vants 9 ! p>ables 7 slaves1 :o ow$ _! s]vice to _! ma/] & = :om he 0 responsible4 ,! lesson 9 bo? p>ables is ! necessity ( fai?fulness4 ,! fai?ful s]vants are rew>d$ & ! unfai?ful puni%$ 9 bo?4 ,yet !re is a special lesson 9 ea*4 ,! p>able ( ! tal5ts %[s t an equal rew>d %all be giv5 all :o are equally fai?ful1 ?\gh ! means & opportunities af=d$ "o may f> exce$ ^? grant$ ano!r4 ,"o 0 giv5 five tal5ts & ano!r b two2 "o ga9$ five & ! o!r two1 yet bo? equally fai?ful1 are direct$ to ent] into ! joy ( _! "l4 ,! unfai?ful s]vant br+s 8 tal5t ) an excuse1 :i* is a *>ge aga9/ ! "* ( 8 ma/]1 ,i knew !e t ?\ art an h>d man reap+ :]e ?\ ha/ n s[n1 & ga!r+ :]e ?\ ha/ n /rew$1 s !re ?\ ha/ :i* is ?9e4 ,! ma/] 9 reply %[$ ! inconsi/5cy ( ! excuse by assum+ t he bore ! h>d "* *>g$ ^u him by 8 slave1 ,?\ wick$ & slo?ful s]vant1 ?\ knewe/ t ,i reap :]e ,i s[$ n1 & ga!r :]e ,i h n /rew$3 ,?\ oughte/ !re=e to h put my money to ! ex*ang]s1 & !n at my com+ ,i %\ld h receiv$ m9e own ) usury4 ,x is int]e/ 9 ! ,revis$ ,v]sion4 ,?is int]view may be p>aphras$ z foll[s3 ,! unfai?ful s]vant said3 ,i "k ! k9d ( a man y are4 ,y are di%one/4 ,y take :at does n belong to y4 ,y reap :at o!r p s[1 & y take up :at o!rs e>n4 ,i 0 afraid ( y3 ,"h is all t y gave me & all t belongs to y4 ,! ma/] said3 ,y are m]ely excus+ y\rself4 ,y are a lazy fai?less slave4 ,if ,i am ! h>d man y say ,i am1 tak+ :at does n belong to me & ga!r+ ! s[+s & e>n+s ( o!rs1 y c\ld h met t condition )\t tr\ble to y\rself1 by giv+ my money to ! usur]s & !n at my com+ ,i c\ld h receiv$ my unju/ ga94 ,y\r excuse is inconsi/5t1 y condemn y\rself4 ,y are an indol5t & wor?less slave4 ,begone to y\r puni%m5t4 ,x is cle>ly impli$ t une>n$ increase1 reap+ & ga!r+ )\t s[+1 c\ld be ga9$ ?r\gh ! ex*ang]s4 ,if ?is 0 :at 0 dem&$1 ! s]vant c\ld h secur$ ?is ) no ef=t on 8 "p4 ,8 *>ge aga9/ ! ma/] 0 a m]e pret5ce to excuse 8 own want ( p]sonal fai?fulness1 & ! ma/]'s reply 0 fitt$ to ?is pret5se4 ,?is is 9 entire h>mony ) ! op9ion our ,"l express$ ( ! ex*ang]s :5 he call$ !m ?ieves & drove !m out ( ! temple4 ,x w\ld be :olly inconsi/5t = him to advise an hone/ & fai?ful s]vant to place any portion ( ! prop]ty 9 _! h&s4 ,8 advice c only come f ! /&po9t ( a di%one/ ma/] su* z 8 s]vant call$ him4 ,! p>able ( ! p\nds %[s ! degrees ( fai?fulness 9 ^? :o h equal opportunities4 ,) ! same opportunities "o may f> surpass ano!r1 because m fai?ful to 8 tru/1 8 rew>d is proportionately great]4 ,9 ?is p>able ea* s]vant receiv$ ! same1 b ! ga9s & rew>ds diff]4 ,by dilig5ce "o ga9$ t5 p\nds & is comm5d$ & giv5 au?ority ov] t5 cities4 ,ano!r ga9$ five p\nds4 ,he is also comm5d$ & giv5 au?ority ov] five cities4 ,ano!r1 :o _h giv5 no s]vice1 came ) 8 p\nd b )\t increase4 ,?is 0 a pro( ( 8 unfai?fulness4 ,he endeavors to %ield himself l ! s]vant ) ! tal5t1 by *>g+ inju/ice & oppression on 8 ma/]4 ,i fe>$ !e because ?\ art an au/]e man3 ?\ take/ up t ?\ laye/ n d[n1 & reape/ t ?\ did/ n s[4 ,8 ma/] turn$ on him because 8 own reason 0 inconsi/5t ) 8 conduct & a m]e %ield = 8 indol5ce & wor?lessness4 ,out ( ?9e own m\? w ,i judge !e1 ?\ wick$ s]vant4 ,?\ kn[e/ t ,i 0 an au/]e man1 tak+ up t ,i laid n d[n1 & reap+ t ,i did n s[4 ,:]e=e gave/ ?\ n my money into ! bank1 t at my com+ ,i might h requir$ m9e own ) usury4 ,?is int]view may also be p>aphras$4 ,! unfai?ful slave came & said3 ,"l ,i h c>efully kept all t ?\ gave/ me4 ,i knew t ?\ wa/ an exact+ ma/]1 tak+ :at did n belong to y & ga!r+ :at o!rs s[4 ,! ma/] says3 ,n[ /op "r !re & ,i w judge y by y\r own excuse out ( y\r own m\?4 ,y say y knew me to be exact+ & di%one/1 tak+ m ?an belong$ to me4 ,n[1 kn[+ ?is1 :y did y n s]ve me by giv+ my money to ! bank1 & !n at my com+ y c\ld h br\ght me my money ) my unju/ ga9 & t w\ld h pleas$ a h>d man l me1 )\t ef=t on y\r "p4 ,y are only giv+ ?is z an excuse = y\r own unfai?fulness4 ,y are a wick$ slave4 ,! ma/] admits t he w\ld be a h>d man1 if he reap$ :at ano!r s[$1 or took up :at belong$ to ano!r1 b assum+ t ?is 0 8 "*1 ev5 ?is c\ld h be5 met )\t tr\ble to ! slave ?r\gh ! bank4 ,?is is a cle> recognition ( usury z unju/ ga94 ,ex*ang]s 7 little m ?an ! pawn-brok]s ( today & a bank 0 a pawn-%op :]e pl$ges 7 /or$4 ,! money loan$ ^u any pawn 0 mu* less ?an its full value4 ,! increase ( ! loan soon made x m ?an ! value ( ! pl$ge :i* 0 !n =feit$1 & ! pawn 0 sold by ! brok]4 ,^! p>ables are "h dwelt ^u1 = !y are s frequ5tly misund]/ood & misappli$4 ,9 a l>ge volume on ,bank+1 ! writ] f\nd ! words ( ! ma/] quot$1 ,:]e=e !n gave/ n ?\ my money into ! bank1 t at my com+ ,i might h requir$ my own ) usury4 ,& !y 7 quot$ z a solemn direction ( ! div9e ,ma/] to deposit money 9 ! bank4 ,to quote f ^! p>ables 9 ! def5se ( usury is z flagrant a p]v]sion ( ! tru? z ! fam\s quotation to prove t ,paul enc\rag$ !ft4 ,let him t /ole1 /eal4 ,! lessons ( ^! p>ables are 9 entire h>mony ) ! law ( ,moses & ! tea*+s ( ! prophets & ,nehemiah4 ,9 ^! p>ables ! usur] is pres5t$ z a h>d man1 exact+ t :i* he has n e>n$ & to :i* he has no "r4 ,! tea*+s ( ! ,ma/] did n p]mit :at _h be5 =bidd5 9 all ! ages4 ,,*apt] ,,ix4 ,,practice ,,( ,,! ,,disciples4 ,! conditions 9 ! v e>ly *ur* 7 n su* z to make prom95t ! s9 ( usury4 ,_m ( ! disciples 7 v poor & f ! humble/ walks ( life4 ,i ,cor4 #a3bg-bh3 ,b ,god ha? *os5 ! fooli% ?+s ( ! _w to conf\nd ! wise2 & ,god ha? *os5 ! weak ?+s ( ! _w to conf\nd ! ?+s t are mighty2 & ! base ?+s ( ! _w1 & ?+s :i* are despis$1 ha? ,god *os51 yea1 & ! ?+s :i* are n1 to br+ to n\ght ?+s t are4 ,! practice ( ! disciples 01 h[ev]1 9 entire h>mony ) ! tea*+s ( ,moses & ! ,ma/]1 & 9 accord ) ! prohibition ( usury4 ,lat]1 9 ! "t ( ! apo/olic fa!rs :5 ! *ur* came face to face ) ?is s91 !re 0 b "o voice & t 9 ! d5unciation1 = ! fa!rs 7 unanim\s 9 its condemnation4 7#a7 ,! fir/ disciples did n loan1 b gave to _! ne$y bre?r54 ,! e>ly conv]ts held _! prop]ty s subject to a g5]al call t "s h ?\ght !y _h a community ( goods4 ,acts #b3dd1 #de3 ,& all t believ$ 7 toge!r1 & _h all ?+s common2 99 99 99 & sold _! possessions & goods1 & p>t$ !m to all m51 z e man _h ne$4 ,x is evid5t !y did n assi/ _! bre?r5 ) loans1 b ) gifts2 mu* less did !y take ! opportunity to secure increase on loans4 ,! suff]+ poor 7 _! especial c>e4 ,!y gave ( _! pov]ty = ! relief ( ! suff]+4 ,_m call$ by ! ,_s 7 9 want1 & _m came to want ?r\gh ! sev]e p]secutions to :i* !y 7 subject$4 ,?is 0 especially true ( ! conv]ts 9 ,j]usalem4 ,= ^! l>ge collections 7 receiv$ f ! *ur*es 9 ,mac$onia & 9 ,cor9?4 ,!y 7 comm&$ to c>e = ! ne$y ( _! own h\se4 ,i ,tim4 #e3h3 ,b if any provide n = 8 own1 & especially = ^? ( 8 own h\se1 he ha? d5i$ ! fai?1 & is worse ?an an infidel4 ,paul1 9 giv+ directions to ,timo?y1 z to ! c>e ( _! poor1 requires aid to be giv5 to wid[s inde$1 ^? :o h no *ildr52 b ^? :o h *ildr5 or nephews are to look to !m & be support$ by !m1 & if any p]son refuses to c>e = 8 wid[$ "m or gr&mo!r or dep5d5t aunt1 he ha? d5i$ ! fai? & is worse ?an an infidel4 7#b7 ,!y 7 dilig5t 9 bus9ess4 ,!y provid$ ?+s hone/ 9 ! sight ( all m54 ,paul set ! example dur+ 8 it9]ate m9i/ry by work+ at 8 trade to secure 8 support & 8 dictum has be5 accept$ z bo? div9e & human wisdom ev] s9ce4 ,if any w n "w nei!r %all he eat4 ,dilig5ce 0 enjo9$ = self-support1 & t o!rs might be help$4 ,eph4 #d3bh3 ,let him t /ole1 /eal no m2 b r let him labor1 work+ ) 8 h&s1 ! ?+s :i* is good1 t he may h to give to him t ne$e?4 ,! ef=t 0 fir/ by labor to be indep5d5t & !n also to come to ! relief ( ! feeble1 ! sick1 ! poor1 & ! ne$y4 ,t a man c\ld hone/ly secure a livelihood )\t productive labor 0 =eign to _! way ( ?9k+4 ,if any did n "w he did n des]ve a liv+1 nor 0 he an hone/ man4 ,no "o 0 at lib]ty to be idle4 ,productive ef=t mu/ n be relax$4 ,!re 0 no retir+ = ! enjoym5t ( a compet5cy4 ,!re 0 no ?\ght ( su* a provision to free !m f ! ef=t = ! daily bread4 ,! surplus product 0 giv5 = ! aid ( o!rs1 to ^? :o _h claims ( k9%ip fir/1 !n to all :o _h ne$4 ,! in/ant a man fail$ to produce he began to consume4 ,!re is no h9t any:]e t x ent]$ any ( _! m9ds t !y c\ld /op production & live 9 ease f ! increase ( :at !y _h produc$ & ! supply gr[ no less2 t ! meal & oil %\ld n fail1 b be h&$ d[n unimpair$ to _! *ildr54 7#c7 ,covet\sness 0 hat$ & d5\nc$ & class$ ) ! mo/ flagrant violations ( ! moral law4 ,covet\sness is an inord9ate reg>d = weal? ( any k9d4 ,?is may be %[n 9 ! gre$ ( seek+ x1 )\t prop] reg>d = ! rights ( o!rs2 or 9 p>simony or /+9ess 9 hold+ x1 :5 !re are rightful claims ^u x4 ,james #e3a-f3 ,g to n[1 ye ri* m51 weep & h[l = y\r mis]ies t %all come ^u y4 ,y\r ri*es are corrupt$1 & y\r g>m5ts are mo? eat54 ,y\r gold & silv] is cank]$2 & ! ru/ ( !m %all be witness aga9/ y1 & %all eat y\r fle% z x 7 fire4 ,y h heap$ treasure toge!r = ! la/ days4 ,behold1 ! hire ( ! labor]s :o h reap$ d[n y\r fields1 :i* is ( y kept back by fraud1 crie?3 & ! cries ( !m :i* h reap$ are ent]$ into ! e>s ( ! ,"l ( ,sabba?4 ,ye h liv$ 9 pleasure on ! e>?1 & be5 wanton2 ye h n\ri%$ y\r he>ts1 z 9 a day ( slaught]4 ,ye h condemn$ & kill$ ! j1 & he do? n resi/ y4 ,covet\sness may also be %[n 9 undue respect = weal? :5 9 ! h&s ( o!rs4 ,?is is reprov$ 9 ,james #b3a-g4 ,my bre?r51 h n ! fai? ( our ,"l ,jesus ,*ri/1 ! ,"l ( glory1 ) respect ( p]sons4 ,= if !re come unto y\r assembly a man ) a gold r+1 9 goodly app>el1 & !re come also a poor man 9 vile raim5t2 & ye h respect to him t we>e? ! gay clo?+1 & say unto him1 ,sit ?\ "h 9 a good place2 & say to ! poor man1 ,/& ?\ !re1 or sit "h "u my foot/ool3 ,are ye n !n p>tial 9 y\rselves1 & become ! judges ( evil ?\ghts8 ,he>k51 my belov$ bre?r51 ha? n ,god *os5 ! poor ( ?is _w ri* 9 fai?1 & heirs ( ! k+dom :i* he ha? promis$ !m t love him8 ,b ye h despis$ ! poor4 ,d n ri* m5 oppress y1 & draw y be=e ! judgm5t seats8 ,d n !y blaspheme t wor?y "n by :i* ye are call$8 ,covet\sness 0 a secret s9 (t5 indulg$ :5 ! outw>d =ms ( righte\sness 7 obs]v$4 ,usur]s 7 ! op5 repres5tatives ( flagrant covet\sness 9 all ! ages4 ,usury 0 n nam$ among !m z become? sa9ts4 7#d7 ,! e>ly disciples kept out ( debt4 ,! e>ly ,*ri/ians 7 n borr[]s4 ,9 bo? disp5sations borr[+ 0 only resort$ to 9 h>d necessity4 ,! borr[] 0 second to ! begg>4 ,! borr[+ 0 b = a %ort "t1 & ! loan 0 return$ z soon z absolute wants 7 suppli$4 ,! doctr9e & practice ( ! e>ly *ur* 0 to owe no man any?+4 ,rom4 #ac3h3 ,owe no man any?+1 b to love "o ano!r3 = he t love? ano!r ha? fulfill$ ! law4 ,indebt$ness 0 to be avoid$ z compromis+ ! fai? 9 ! eyes ( o!rs & detrim5tal to ! developm5t ( grace 9 ! disciples4 ,?is 0 ! direct comm& ( ,paul4 ,?is comm&m5t requir$ ! paym5t ( all hone/ obligations4 ,! ,*ri/ian !n z n[ :o fail$ to ackn[l$ge 8 obligations & meet !m 9 full z he 0 able 0 want+ 9 ! _s ( righte\sness & unfai?ful to 8 own convictions ( "r & duty4 ,! paym5t ( a debt 0 ! return 9 full ( ! loan receiv$4 ,any ,*ri/ian consci5ce at t "t w\ld h be5 satisfi$ ) ! settlem5t approv$ & comm&$ by ,nehemiah4 ,! debt 0 fully dis*>g$ :5 paym5ts equal$ ! loan by :atev] "n ^? paym5ts 7 call$4 ,?is text also requir$ t !y keep out ( debt4 ,by no di/ortion ( ! text c x be made to mean less4 ,*alm]s on ?is passage comm5ts z foll[s3 ,b ?\gh to press ! duty ( our text 9 ! extreme & rigor\s s5se ( x--yet ,i w\ld fa9 aspire t[>ds ! full & practical e/abli%m5t ( x1 s t ! habit might become at l5g? univ]sal1 n only pay+ all debts1 b ev5 by mak+ consci5ce nev] to contract1 & !re=e nev] to owe any4 ,= al?\gh ?is might nev] be rea*$1 x is well x %\ld be look$ at1 nay mov$ =w>d to1 z a sort ( optimism1 e approximation to :i* 7 a di/9ct /ep 9 advance1 bo? = ! moral & economic good ( society4 ,=1 fir/1 9 ! _w ( trade1 "o c n be ins5sible to ! dire mis*ief t ensues f ! _s (t5 s rampant1 ( an excessive & unw>rantable speculation--s z to make x ! mo/ desirable ( all consummations t ! sy/em ( cr$it %\ld at l5g? give way1 & :at has be5 t]m$ ! ready-money sy/em1 ! sy/em ( imm$iate paym5ts 9 e comm]cial transaction1 %\ld be sub/itut$ 9 its place4 ,! adv5tur] :o1 9 ! walks ( m]*&ise1 trades beyond 8 means is (t5 actuat$ by a passion z int5se1 & we fe> too1 z crim9al1 z is ! game/]1 :o 9 ! haunts ( fa%ionable dissipation1 /akes beyond 8 =tune4 ,b x is n ! injury alone1 :i* ! ambition t precipitates him into su* deep & desp]ate haz>ds1 br+s ^u 8 own "*1 nei!r is x ! ru9 t ! spl5did bankruptcy 9 :i* x t]m9ates br+s ^u 8 own family4 ,^! are n ! only evils :i* we deprecate--= ov] & above ^! !re is a f> heavi] disa/]1 a consequ5ce 9 ! tra9 ( su* proce$+s1 ( greatly wid] & m malignant op]ation /ill1 on ! habit & condition ( ! work+ classes1 ga!r$ 9 hundr$s ar\nd ! mu%room e/abli%m5t1 & !n ?r[n adrift among ! o!r wrecks ( its ov]?r[1 9 utt] helplessness & de/itution on society4 ,?is fr5zy ( m5 ha/+ to be ri*1 l fev] 9 ! body natural1 is a truly sore di/emp] 9 ! body politic4 ,no d\bt !y are also suff]]s !mselves1 pi]c+ _! own he>ts ?r\gh ) _m sorr[s2 b x is ! contemplation ( ?is suff]+ 9 masses1 :i* ! sons & daught]s ( indu/ry 9 humble life s (t5 e>n at _! h&s1 t has ev] l$ me to rank !m among ! *ief pe/s & di/urb]s ( a commonweal?4 ,to ?is may be add$ an extract f ,%ort ,in/ructions = ,e>ly ,masses by ! ,pauli/ ,fa!rs4 ,! fact ( ! matt] is1 de> bre?r51 t !re is too mu* laxity ( consci5ce among our p on ?is "q ( contract+ debts1 ( borr[+ money1 ( runn+ up bills ) little or no hope ( ev] pay+ !m4 ,we h all ( u no d\bt come across p :o consid] !mselves q religi\s :o owe money to _! neighbors = ye>s1 & nev] make an ef=t to pay :at !y owe or ev5 to (f] an excuse = _! neglig5ce 9 su* important matt]s4 ,!re are "s pr(essional debtors :o ?9k ! _w owes !m a liv+1 & :o sp5d a good "p ( _! "t figur+ out h[ mu* !y c get out ( ! l& & f ^? :o dwell !reon4 ,to h to pay r5t is _! greate/ grievance1 & aft] be+ tru/$ = a few mon?s1 !y f9d x mu* *eap] to move to o!r qu>t]s ?an to pay :at !y owe4 ,!n !re are o!rs :o mu/ dress extravagantly1 no matt] :at x co/s1 & 9 consequ5ce h no?+ left to pay = ! ?+s !y eat or dr9k4 ,d !y on ?is acc\nt d5y !mselves any ( ! good ?+s ( ?is life8 ,n at all2 on ! contr>y1 e bus9ess man w tell y ! same /ory--^! p want ! be/ & are ! mo/ exact+ 9 _! dem&s4 ,n[1 ,i repeat1 !re is too mu* laxity ab\t contract+ debts & too little consci5ce ab\t ! necessity ( pay+ = :at we use4 ,/4 ,paul's w>n+ %\ld r+ 9 ! e>s ( e debtor3 ,owe no man any?+4 ,x w n d = su* p to come to confession & say !y contract$ debts & are n able to pay :at !y owe4 ,confession w n relieve !m ( _! obligation1 & !y mu/ beg9 at once & make an ef=t to less5 ! debts !y owe 9 ! pa/ & le>n a lesson 9 economy & /rive aga9/ contract+ new burd5s4 ,?is w help u to cle> (f ! old ones4 ,x is n edify+1 nor is x conducive to good fell[%ip1 nor does x help to make our religion bett] kn[n & bett] lov$1 to f9d p1 dress$ 9 ! f9e/1 com+ ,sunday aft] ,sunday to mass :ile !y are heavily 9 debt to _! groc] or but*] or l&lord1 :o may be 9 ! v same pew ) !m4 ,?is is c]ta91 x conv9ces su* m5 9 bus9ess t ! debtor's religion is n v s9c]e4 ,9 a ^w1 bre?r51 x is f> bett] to live 9 less pret5ti\s dwell+s1 dress m sob]ly & eat m sp>+ly ?an to owe any man any?+4 ,pay :at ?\ owe/1 & !n y may walk hone/ly among all m54 ,fre$om f debt is necess>y to ! indep5d5ce ( ! man :o does "r & answ]s only to ,god4 ,/ruggle z he may ! man is n free :o is "u obligations to o!rs4 ,he is h9d]$ 9 8 conduct2 he is n always consci\s ( x1 b nev]!less !re is a real b9d+ or fett]+ ( 8 actions4 ,x influ5ces 8 gifts1 = :at he holds is n 8 own & ! own] may criticize 8 b5evol5ce4 ,an easy consci5ce & s\nd sleep is ! portion ( ! man :o is "u no obligations to ano!r4 ,he looks ! :ole _w 9 ! face1 :o owes no man a c5t4 ,he is free f di/ract+ bus9ess relations ) 8 bre?r5 & bro!rly love may ab\nd4 ,! exhortation ( ,paul is 9 connection ) bro!rly love1 & ( all ext]nal relations1 debt h9d]s ! free fl[ ( sympa?y among bre?r54 ,! e>ly disciples endeavor$ to avoid all debt4 ,mu* less did !y pay a premium = ! privilege4 ,!y only borr[$ 9 h>d necessity2 b borr[+ on usury to make a pr(it by x 0 z repellant to ! ,*ri/ian consci5ce !n z complicity ) !ft or fraud4 ,x m>k$ a man z anxi\s to %>e 9 unrighte\s ga94 ,8 own consci5ce plac$ him among ^? :o are discont5t$ ) _! lawful e/ate & guilty ( t covet\sness :i* is idolatry4 ,i ,tim4 #f3f-aa3 ,b godl9ess ) cont5tm5t is great ga94 ,= we br\ght no?+ into ?is _w1 & x is c]ta9 we c c>ry no?+ out4 ,& hav+ food & raim5t1 let u be !re) cont5t4 ,b !y t w be ri* fall into temptation & a sn>e1 & into _m fooli% & hurtful lu/s1 :i* dr[n m5 9 de/ruction & p]dition4 ,= ! love ( money is ! root ( all evil3 :i* :ile "s covet$ aft]1 !y h err$ 9 ! fai?1 & pi]c$ !mselves ?r\gh ) _m sorr[s4 ,b ?\1 ,o man ( ,god1 flee ^! ?+s2 & foll[ aft] righte\sness1 godl9ess1 fai?1 love1 pati5ce1 meekness4 ,,*apt] ,x4 ,,*ur* ,,hi/ory4 ,! ,*ur*1 f ! "t ( ! apo/les1 0 emphatic 9 its d5unciation ( usury4 ,s*aff-,h]zog says3 ,all ! apo/olic fa!rs condemn$ ! tak+ ( usury4 ,! ,encyclop$ia ( ,religi\s ,k decl>es ! same4 ,*ryso/om said3 ,no?+ is bas] 9 ?is _w ?an usury1 no?+ m cruel4 ,basil describes a sc5e s real t we c sc>cely realize t he wrote ov] fifte5 hundr$ ye>s ago4 ,aft] /at+ ! usur]'s prote/ations ( hav+ no money1 to ! victim1 :o seeks a loan )\t int]e/1 he says3 ,!n ! suppliant m5tions int]e/ & utt]s ! ^w security4 ,all is *ang$4 ,! fr[n is relax$2 ) a g5ial smile he rec\nts old family connections4 ,n[ x is ',my fri5d1 ,i w see if ,i h any money by me4 ,yes1 !re is t v sum :i* a man1 ,i "k1 has left 9 my h&s 9 deposit = pr(it4 ,he nam$ a v heavy int]e/4 ,h[ev]1 ,i w c]ta9ly take some?+ (f & give x to y on bett] t]ms4' ,) pret5ses l ?is he fawns on ! wret*$ victim & induces him to swall[ ! b>b4 ,( ! man :o has borr[$ on int]e/1 he says3 ,at fir/ he is bright & joy\s & %9es ) ano!r's spl5dor 99 99 99 n[ night br+s no re/1 no sun is bright4 ,he hates ! days t are hurry+ on1 = "t z x runs adds ! int]e/ to its tale4 ,! fa!rs unanim\sly condemn$ ! tak+ ( int]e/1 ,t]tullian1 ,cyprian1 ,ambrose1 ,augu/9e & ,j]ome c be quot$ aga9/ x4 ,! popes foll[$ ! tea*+s ( ! fa!rs & =bade x "u sev]e p5alties4 ,! prie/s guilty ( ?is s9 7 degrad$ f _! ord]s4 ,! laym5 f\nd guilty 7 excommunicat$4 ,int]e/ paid c\ld be reclaim$1 n only f ! usur] b f 8 heirs4 ,a b>ga91 ?\gh confirm$ by an oa? nev] to claim back ! int]e/ paid1 0 decl>$ n b9d+4 ,?is action ( ! popes 0 confirm$ by c\ncils4 ,*>lemagne1 9 ,france1 =bid ! tak+ ( usury ei!r by prie/s or laity4 ,a c\ncil at ,we/m9/] 7#aabf7 approv$ ! degradation ( all cl]gy1 :o 7 guilty ( ?is practice4 ,ar*bi%op ,s&s said3 ,?is cank] 7usury7 ha? corrupt$ all ,engl&4 ,a c\ncil 9 ,vi5na 7#acaa7 reaffirm$ ! d5unciations ( previ\s popes & c\ncils1 & !n adds3 ,if any %all ob/9ately p]si/ 9 ! error ( presum+ to affirm t ! tak+ ( usury is n a s91 we decree t he %all be puni%$ z a h]etic4 ,!re is no record ( ! repeal ( any ( ^! edicts4 ,! lead]s ( ! ,prote/ant re=mation also d5\nc$ usury4 ,lu!r 0 viol5t 9 8 opposition1 us+ ! /ronge/ language he c\ld comm&4 ,:oev] eats up1 robs & /eals ! n\ri%m5t ( ano!r1 commits z great a murd]1 z he :o c>ves a man or utt]ly undoes him4 ,su* does a usur]1 & he sits ! :ile on 8 /ool1 :5 he ought r to be hang+ f ! gall[s4 ,melanc?on1 ,beza & o!rs are acc\nt$ aga9/ usury4 ,! decisions ( ,ecclesia/ical ,c\ncils 7 num]\s & emphatic until ! sev5te5? c5tury4 ,s9ce t "t int]e/ tak+ has become common1 all b univ]sal1 b !re is no record f\nd any:]e ( its direct approval by any ecclesia/ical body4 ,! ,*ur* has come to tol]ate x b has nev] giv5 x (ficial approval4 ,usury has n be5 includ$ 9 any cre$ or confession ( fai?1 nor has x be5 directly approv$ by any c\ncil or g5]al assembly4 ,! tru? has n be5 left 9 any age )\t its witness4 ,!re h always be5 ^? m or less prom95t 9 ! ,*ur* :o cont5d$ t x 0 unju/ & oppressive4 ,"s ( !m h be5 ( _w-wide di/9ction4 ,! writ] has a lett] writt5 him by ,john ,cl>k ,ridpa?1 ! hi/orian1 express+ 8 agreem5t ) ! views pres5t$ 9 ^! pages4 ,ano!r ( ^! is brilliant ,john ,rusk91 rec5tly deceas$4 ,quotations f him w close ?is review4 ,i h n s p]v]t$ my s\l nor palsi$ my bra9 z to expect to be advantag$ by t adhesion 7usury74 ,i d n expect t because ,i h ga!r$ mu* to f9d ,nature or man ga!r+ m = me2 to f9d eighte5 p5ce 9 my box 9 ! morn+ in/ead ( ! %ill+ z a rew>d ( my cont95ce1 or to make an income ( my ,koran by l5d+ x to poor s*ol>s4 ,if ,i ?9k he c read x & w c>efully turn ! leaves by ! outside1 he is welcome to read x = no?+4 ,?us 9 all o!r possible or conceivable cases1 ! mom5t our capital is increas$ by hav+ l5t x1 be x b ! e/imation ( a hair1 t hair-bread? ( increase is usury1 j z mu* z /eal+ a f>?+ is !ft no less ?an /eal+ a million4 ,,*apt] ,,xi4 ,,calv9',s ,,lett] ,,on ,,usury4 ,a m]e h9t ( enc\ragem5t to ! usur] came f ,calv94 ,9 a lett]1 to a fri5d1 he hesitat+ly express$ op9ions t h ev] s9ce be5 quot$ 9 def5se ( ! practice4 ,he alone ( all ! re=m]s took a d\btful /&4 ,he has (t5 be5 ref]r$ to & giv5 great cr$it = 8 op9ion1 ev5 by ^? :o utt]ly reject all ! doctr9es he mo/ e>ne/ly advocat$4 ,! fe> t he express$ ne> ! op5+1 t "s ^w might be seiz$ to take m lic5se ?an he w\ld all[ _h reason1 = ?is lett] has be5 ! basis = all ! apologies = usury t h ev] be5 attempt$4 ,9 ^! la/ days all :o h tri$ to pres5t fully ! moral law z compreh5d$ 9 ! t5 comm&m5ts h felt call$ ^u to make "s apology = ! prevail+ practice ( usury 9 connection ) ! eigh? comm&4 ,!y all ref] to ?is lett]4 ,sometimes !re is a brief quotation1 giv5 9 ,lat9 & left untranslat$1 to conv9ce ! ignorant1 = ,calv9 wrote 9 ,lat94 ,lett] ( ,calv93 ,de ,usuris ,responsum4 ,i h n yet essay$ :at c\ld fitly be answ]$ to ! "q put to me2 b ,i h le>n$ by ! example ( o!rs ) h[ great dang] ?is matt] is att5d$4 ,= if all usury is condemn$ tight] fett]s are impos$ on ! consci5ce ?an ! ,"l himself w\ld wi%4 ,or if y yield 9 ! lea/1 ) t pretext1 v _m w at once seize ^u unlic5s$ fre$om1 :i* c !n be re/ra9$ by no mod]ation or re/riction4 ,7 ,i writ+ to y alone ,i w\ld fe> ?is ! less2 = ,i "k y\r good s5se & mod]ation1 b z y ask c\nsel 9 ! "n ( ano!r1 ,i fe>1 le/ he may all[ himself f> m ?an ,i wi% by seiz+ ^u "s ^w1 yet confid5t t y w look closely into 8 "* & f ! matt] t is "h treat$ judge :at is exp$i5t1 & to :at ext5t1 ,i %all op5 my ?\ghts to y4 ,& fir/1 ,i am c]ta9 t by no te/imony ( ,scripture is usury :olly condemn$4 ,= ! s5se ( t say+ ( ,*ri/1 ',l5d1 hop+ = no?+ aga9' 7,luke #f3ce71 has up to ?is "t be5 p]v]t$2 ! same z ano!r passage :5 speak+ ( spl5did fea/s & ! desire ( ! ri* to be receiv$ 9 turn1 he comm&s !m r to summon to ^! fea/s1 ! bl9d1 ! lame1 & o!r ne$y m51 :o lie at ! cross-roads & h n ! p[] to make a l return4 ,*ri/ wi%$ to re/ra9 m5's abuse ( l5d+1 comm&s !m to l5d to ^? f :om !re is no hope ( receiv+ or rega9+ any?+2 & 8 words ought to be int]pret$1 t :ile he w\ld comm& loans to ! poor )\t expectation ( repaym5t or ! receipt ( int]e/1 he did n mean at ! same "t to =bid loans to ! ri* ) int]e/1 any m ?an ! injunction to invite ! poor to our fea/s did n imply t ! mutual invitation ( fri5ds to fea/s is 9 consequ5ce prohibit$4 ,aga9 ! law ( ,moses 0 political & %\ld n influ5ce u beyond :at ju/ice & philan?ropy w be>4 ,x c\ld be wi%$ t all usury & ! "n itself 7 fir/ bani%$ f ! e>?4 ,b z ?is _c be accompli%$ x %\ld be se5 :at c be done = ! public good4 ,c]ta9 passages ( ,scripture rema9 9 ! ,prophets & ,psalms 9 :i* ! ,holy ,_s inveighs aga9/ usury4 ,?us a city is describ$ z wick$ because usury is practic$ 9 ! =um & /reets1 b z ! ,hebrew ^w means frauds 9 g5]al1 ?is _c be int]pret$ s /rictly4 ,b if we conc$e t ! prophet !re m5tions usury by "n1 x is n a matt] ( wond] t among ! great evils :i* exi/$1 he %\ld attack usury4 ,= :]ev] ga9s are f>m$ out1 !re are g5]ally add$1 z insep>able1 cruelty1 & numb]less o!r frauds & deceits4 ,on ! o!r h& x is said 9 praise ( a pi\s & holy man 't he putte? n out 8 money to usury4' ,inde$ x is v r>e = a man to be hone/ & yet a usur]4 ,ezekiel goes ev5 fur!r 7,ezek4 #bb3ab74 ,enum]at+ ! crimes :i* inflam$ ! wra? ( ! ,"l aga9/ ! ,jews1 he uses two words1 "o ( :i* means usury1 & is d]iv$ f a root mean+ to consume2 ! o!r ^w means increase or addition1 d\btless because "o devot$ to 8 private ga9 takes or r extorts x f ! loss ( 8 neighbor4 ,x is cle> t ! prophets spake ev5 m h>%ly ( usury because x 0 =bidd5 by "n among ! ,jews1 & :5 !re=e x 0 practic$ aga9/ ! express comm& ( ,god1 x m]it$ ev5 heavi] c5sure4 ,b :5 x is said1 t z ! cause ( our /ate is ! same1 ! same prohibition ( usury %\ld be reta9$1 ,i answ] t !re is "s diff]5ce 9 :at p]ta9s to ! civil /ate4 ,because ! surr\nd+s ( ! place 9 :i* ! ,"l plac$ ! ,jews1 z well z o!r circum/ances1 t5d$ to ?is1 t x might be easy = !m to deal among !mselves )\t usury1 :ile our /ate today is v diff]5t 9 _m respects4 ,!re=e usury is n :olly =bidd5 among u unless x be repugnant bo? to ,ju/ice & to ,*>ity4 ,x is said1 ',money does n beget money4' ,:at does ! sea beget8 ,:at does a h\se f ! lett+ ( :i* ,i receive a r5t8 ,is money born f ro(s & walls8 ,b on ! o!r h& bo? ! e>? produces & some?+ is br\ght f ! sea :i* aft]w>d produces money1 & ! conv5i5ce ( a h\se c be b\ght & sold = money4 ,if !re=e m pr(it c be d]iv$ f trad+ ?r\gh ! employm5t ( money ?an f ! produce ( a f>m1 ! purpose ( :i* is subsi/5ce1 %\ld "o :o lets "s b>r5 f>m to a f>m]1 receiv+ 9 return a price or "p ( ! produce1 be approv$1 & "o :o loans money to be us$ = pr(it be condemn$8 ,& :5 "o buys a f>m = money does n t f>m produce o!r money ye>ly8 ,& :5ce is d]iv$ ! pr(it ( ! m]*ant8 ,y w say f 8 dilig5ce & 8 indu/ry4 ,:o d\bts t idle money is :olly useless8 ,:o asks a loan ( me does n int5d to keep :at he receives idle by him4 ,!re=e ! pr(it does n arise f ! money1 b f ! product t results f its use or employm5t4 ,i !re=e conclude t usury mu/ be judg$1 n by a p>ticul> passage ( ,scripture1 b simply by ! rules ( equity4 ,?is w be made cle>] by an example4 ,let u imag9e a ri* man ) l>ge possessions 9 f>ms & r5ts1 b ) little money4 ,ano!r man n s ri*1 nor ) su* l>ge possessions z ! fir/1 b has m ready money4 ,! latt] be+ ab\t to buy a f>m ) 8 own money1 is ask$ by ! weal?i] = a loan4 ,he :o makes ! loan may /ipulate = a r5t or int]e/ = 8 money & fur!r t ! f>m may be mortgag$ to him until ! pr9cipal is paid1 b until x is paid1 he w be cont5t ) ! int]e/ or usury on ! loan4 ,:y !n %all ?is contract ) a mortgage1 b only = ! pr(it ( ! money1 be condemn$1 :5 a mu* h>%]1 x may be1 ( leas+ or r5t+ a f>m at l>ge annual r5t1 is approv$8 ,& :at else is x ?an to treat ,god l a *ild1 :5 we judge ( objects by m]e words & n f _! nature1 z if virtue c be di/+ui%$ f vice by a =m ( words4 ,x is n my int5tion to fully exam9e ! matt] "h4 ,i wi%$ only to %[ :at y %\ld consid] m c>efully4 ,y %\ld rememb] ?is1 t ! importance ( ! "q lies n 9 ! words b 9 ! ?+ itself4 ,^? acqua9t$ ) ,calv9's ,in/itutes w n fail to notice ! timid mann] 9 :i* he treats ! subject1 z if unc]ta9 ( 8 gr\nd & endeavor+ to excuse usury to please 8 fri5d4 ,?is lett] is want+ 9 t positive air ( assur$ c]ta9ty t brea!s inspir$ au?ority & l5ds a *>m to 8 ,in/itutes4 ,he is ne>e/ himself :5 he bur/s out1 ,x c\ld be wi%$ t all usury & ! "n itself 7 bani%$ f ! e>?4 ,! lett] is "h giv5 9 full because (t5 m =ce is c>ri$ by ! ref]5ce to a great "n ?an by ! /udy ( 8 argum5t4 ,a c>eful read+ ( ?is lett] does n reveal a positive approval ( usury4 ,he m]ely excuses x by sugge/+ o!r evils t he ?9ks worse2 = in/ance1 t l& r5tals may be worse ?an ! usury ( money4 ,he does n m5tion ! necess>y oppression ( ! poor t5ants by ! loan ^u a mortgage4 ,x is pro( ( ! weakness ( ! case :5 ?is lett] is ! mo/ favorable t c be pres5t$ f any ecclesia/ic4 ,,*apt] ,,xii4 ,,p]man5cy ,,( ,,! ,,prohibition4 ,x is sometimes urg$ t ! law ( ,moses ) reg>d to usury 0 n int5d$ to be p]man5t b 0 only a wise & b5efic5t regulation = t p 9 _! peculi> condition2 t z ! c]emonial 0 done away by ! incom+ ( ! ,new ,te/am5t disp5sation1 s ?is prohibition 0 annull$ & %\ld be reckon$ among ! effete laws ( ! anci5t ,hebrews4 ,9 answ] to ?is cont5tion x may be repli$3 7#a7 ,?is prohibition is n c]emonial4 ,x has no connection ) ! rites & =ms ( _! religion4 ,x t\*es _! "* & conduct b has no place 9 _! =ms ( wor%ip4 7#b7 ,no?+ c be pres5t$ f ! ,mosaic laws to prove t ?is prohibition 0 only ( a tempor>y "*4 ,x is 9 entire h>mony ) ! _s ( helpfulness & especially ! protection ( ! weak1 t is s *>act]i/ic ( ! ,mosaic ord]4 ,no induction f any ( ! ,old ,te/am5t writ]s c be fairly made to limit its application4 ,! prophets place usury 9 ! catalogue ( s9s t are always & ev]y:]e (f5sive to ,god4 ,nehemiah condemns x z de/ructive to p]sonal & civic fre$om4 7#c7 ,!re is no h9t ( its discont9uance 9 ! new disp5sation4 ,! ,ma/] gave a spiritual complet5ess to ?is law z he did to all enactm5ts requir+ ext]nal moral "*4 ,he class$ ! usur]s1 9 8 p>ables1 among ! di%one/1 :o took up :at !y _h n laid d[n4 ,! disciples1 9 _! pov]ty & p]secutions1 7 n specially tempt$ by ?is s91 & x is n !re=e prom95t 9 _! hi/ory4 ,b !re is no?+ 9 _! tea*+s or practice t is n 9 entire h>mony ) ! b9d+ cont9uance ( ! ,mosaic prohibition1 & _! practice & tea*+ are j su* z we %\ld expect f ,*ri/ian p 9 _! condition & circum/ances :o recogniz$ ! prohibition z p]man5t4 7#d7 ,! apo/olic fa!rs1 z ! *ur* grew & came into contact ) ! _w & 0 beg9n+ to %>e 9 ! bus9ess ( ! _w1 to a man1 reg>d$ ! prohibition z 9 full =ce & its obs]vance z "o ( ! m>k$ *>act]i/ics ( ! ,*ri/ian1 di/+ui%+ him f ! worldl+ & ! ,jew4 ,conditions 9 ! apo/olic age did n make ?is prom95t b :5 ! conditions 7 *ang$ & ! *ur* came 9 conflict ) ?is s91 x is cle>ly se5 t ! law 0 9 a cont9u\s b9d+ =ce ?r\gh ! :ole p]iod4 ,! lat] fa!rs 7 ( ! op9ion1 unanim\sly1 t x 0 9 full =ce1 n tempor>y or prov9cial1 b b9d+ = all "t & ^u all p4 ,t x is susp5d$ is a mod]n idea1 a sugge/ion ( ! _w to ! *ur* )9 ! la/ few hundr$ ye>s4 ,,*apt] ,,xiii4 ,,our ,,*ang$ ,,conditions4 ,! *ang$ conditions ( ! race 9 ^! la/ ye>s are urg$ z a suffici5t reason = annull+ ?is law4 ,x is admitt$ t x 0 righte\s & b5efic5t 9 ages long pa/ b ) ! new light & new conditions ( ! pres5t x is effete1 inapplicable & unju/4 ,!y call att5tion to ! va/ ext5sion ( comm]ce1 to ! m>vel\sly increas$ facilities = travel1 transportation & int]communication2 to ! innum]able & wond]ful inv5tions t 9 _! application h bright5$ our civilization4 ,!y exalt pres5t conditions & !y belittle ! long pa/ conditions & ?\ght4 ,! prohibition ( usury belong$ to ! pa/1 ! practice ( usury is all b univ]sal 9 ! pres5t1 !re=e !y argue t usury is a "p & a necess>y "p ( our civilization & to revive ! old prohibition w\ld turn ! _w's civilization backw>d & be z absurd z to n[ disp5se ) /eam or electricity4 ,9 reply x may be said t ! *anges are n univ]sal1 t !re are "s ?+s t abide1 t ! *anges are trifl+ :5 comp>$ ) ^? ?+s t rema9 & are p]man5t4 #a4 ,human nature rema9s ! same4 ,man1 9 body & m9d1 9 physiology & psy*ology1 has n *ang$ 9 ^! ?\s&s ( ye>s4 ,t :i* 9 ages pa/ promot$ ! heal? & vigor ( 8 body1 w secure its be/ developm5t n[4 ,t discipl9e1 culture & m5tal ex]cise t secur$ ! highe/ intellectual /r5g? 9 ages pa/ w d ! mo/ = its be/ developm5t n[4 ,_m ?+s t n[ give spl5dor to our civilization d n promote ei!r ! be/ physical or m5tal manhood4 #b4 ,family ties rema94 ,! relation ( husb& & wife1 ( p>5ts & *ildr51 & ! duties ( _! sev]al positions 9 ! home h n *ang$4 ,! family rema9s ! social unit z x has be5 9 all ages4 ,sociology1 ! sci5ce ( social & political organization1 is a p]man5t sci5ce4 ,x does n *ange ) ! %ift+ temporal conditions ( ! p4 ,^? ?+s :i* made = ! g5]al welf>e ( ages ago are = ! public weal n[1 & ^? ?+s t endang]$ ! /ate !n are to be avoid$ n[4 #c4 ,! moral law rema9s un*ang$ & un*angeable1 ) all ! brilliant pres5t !re is no am5dm5t to ! t5 comm&m5ts4 ,! e?ical nature rema9s & ! voice ( consci5ce1 approv+ ! same "r & condemn+ ! same wrong1 is id5tical ) ! voice ( consci5ce 9 ! "t ( ,moses4 #d4 ,! laws ( nature h n *ang$4 ,! relation betwe5 a cause & its sequ5ce rema9s4 ,l causes produce l effects4 ,no liv+ ?+ has *ang$ its nature4 ,a lion n[ is ( ! same nature t x 0 9 ! "t ( ,samson4 ,s ) e savage bea/ t roams ! jungle4 ,ev5 ! dome/icat$ animals1 ) all ! ef=t & skill ( intellig5t man1 h only be5 smoo!d or spe$$ a little4 ,! horse1 c[1 %eep1 or dog h held _! old =ms & dispositions4 ,se$ "t & h>ve/ come & g & we are dep5d5t = ! same %[] & sun%9e t gave ,adam 8 fir/ h>ve/4 ,we "k "s ?+s !y did n "k & we h bett]$ our tools1 b ! natural _w has %[n no signs ( *ange4 #e4 ,! relation ( ?+s to ea* o!r h n *ang$4 ,plants mu/ h soil to gr[ 91 animals mu/ h vegetation to fe$ ^u4 ,fi% mu/ h wat]4 ,& s ) ! ?\s&s ( relations ( climate1 elem5ts1 soils1 plants1 animals1 fi%es1 birds & insects1 !y are ! id5tical relations su/a9$ ages & ages ago4 #f4 ,! nature ( money has n *ang$4 ,its mat]ial & =m & d5om9ations h be5 modifi$ b ! functions ( money z a /orage ( values & z a measure ( values & z a m$ium ( ex*ange rema9 ! same4 ,our gold & silv] & pap] money may be m conv5i5t & m exact1 b its functions are j ! same z ! ,indians' wampum4 ,! law ( supply & dem& & ! equity 9 comm]cial transactions1 great or small1 are un*ang$4 ,money c\ld always be us$ to make or ga!r m money 9 bus9ess4 ,x is no m true n[ ?an 9 ! times ( ,david or ,nehemiah4 ,if ?is _h n !n be5 possible2 if !re _h n be5 tempt+ opportunities1 !re w\ld h be5 no s9 ( usury = !m to reprove4 ,man's *ang$ conditions are b trifl+ & incid5tal1 relat+ to himself4 ,!y d n affect a s+le natural or moral or economic law4 ,! *ang$ conditions1 :i* are urg$ z a reason t ! prohibition ( usury is no long] b9d+1 are only ! conditions br\ght ab\t by ! violation ( t law4 ,! prohibition ( usury is sy/ematically violat$4 ,! neighbor 9 ! smalle/ transaction ) 8 neighbor exacts usury1 ?\gh x be b a few c5ts4 ,! cr$it sy/em has become univ]sal4 ,x is ! r>e exception n[ to own :at y h & to pay z y g4 ,int]e/ be>+ bonds are issu$ by ! smalle/ manufactur+ plant1 by ! great corporation & by ! empire4 ,^! conditions d n prove usury "r4 ,!y only %[ h[ f> true bus9ess1 comm]cial1 & political pr9ciples h be5 p]v]t$ by ?is practice4 ,if violat+ a law annuls x1 !n any law c be pu%$ aside4 ,let ! claims ( ! ,sabba? day be ignor$4 ,let ! h\ses ( wor%ip rema9 clos$ ^u t day4 ,let "w be plann$ = sev5 days ( ! week4 ,let ! hum ( ! mills & ! ro> ( comm]ce g on4 ,take no note ( ! ,sabba? day1 ei!r 9 bus9ess or recreation or wor%ip1 & conditions w soon be ^u u1 su* t we may urge z plausibly1 t ! ,sabba? is effete1 possible to our sl[ go+ fa!rs b inconsi/5t ) ! necess>y ru% ( our day4 ,if ! sy/ematic violation ( a law annuls x !n we c quiet ! consci5ce & be di%one/ :ile deal+ ) a ,turk 9 ,con/ant9ople & we may lie :ile dick]+ ) a ,*9ese m]*ant 9 ,canton4 ,if violat+ a law annuls x1 ev5 ! sev5? comm&m5t1 ! violation ( :i* is s (f5sive to dec5cy & its obs]vance s necess>y to ! purity ( ! home1 may 9 ?is way be rul$ out z a b9d+ obligation4 ,let polygamy be ! ord]1 support$ by ! example ( ,jacob & ,david & ,solomon1 & ! families be con/itut$ along t l9e1 !n en=c$ monogamy w\ld seem to be a sund]+ ( t5d] ties & h>dness t[>d ! ca/ (f ,hag>s t is inconsi/5t ) ! ,*ri/ian _s4 ,an e>ne/1 ,godly man1 a mission>y fri5d ( ! writ]1 "u ^: m9i/ry a hea!n *ief 0 conv]t$1 0 misl$ by ! plausibility4 ,! *ief _h a numb] ( wives2 he _h *ildr5 by !m2 he 0 mu* atta*$ to 8 wives & 0 fond ( 8 *ildr51 & !y all seem$ to love him & clung to him4 ,! mission>y 9 ! k9dness ( 8 he>t did n int]f]e ) ! family1 p]mitt+ ! *ief to keep 8 wives & plac$ 8 "n on ! *ur* roll ( ! ,mission4 ,= ?is act he 0 reprov$ by ! ecclesia/ical au?orities above him4 ,let polygamy become z univ]sal z usury & ev5 ! sev5? comm&m5t 9 its /rictness w seem impracticable & unk9d if n positively cruel4 ,x w n d to claim fre$om f ! prohibition ( usury because we h organiz$ comm]ce & ! /ate & all society 9 violation ( x4 ,,*apt] ,,xiv4 ,,am]ican ,,revision4 ,! ,revision by ! ,am]ican ,committee is ! late/ ef=t ( s*ol>%ip to br+ ,k+ ,james' ,v]sion up to date by elim9at+ effete t]ms & us+ words 9 _! mod]n s5se4 ,! ref]5ces to usury are "h collat$ s z to give a g5]al view ( ! "q f ! translations ( ! passages 9 ?is ! late/ ,revision4 ,! read] w notice t ! mod]n ^w int]e/ is sub/itut$ = usury 9 ne>ly e passage4 ,exodus #bb3be3 ,if ?\ l5d money to any ( my p ) !e t is poor1 ?\ %alt n be to him z a cr$itor2 nei!r %all ye lay ^u him int]e/4 ,leviticus #be3ce-cg3 ,& if ?y bro!r be wax5 poor1 & 8 h& fail ) !e1 !n ?\ %alt uphold him3 z a /rang] & a soj\rn] %all he live ) !e4 ,take ?\ no int]e/ ( him or increase1 b fe> ?y ,god2 t ?y bro!r may live ) !e4 ,?\ %alt n give him ?y money ^u int]e/1 nor give him ?y victuals = increase4 ,deut]onomy #bc3ai1 #bj3 ,?\ %alt n l5d ^u int]e/ to ?y bro!r3 int]e/ ( money1 int]e/ ( victuals1 int]e/ ( any?+ t is l5t ^u int]e/3 unto a =eign] ?\ maye/ l5d ^u int]e/1 b unto ?y bro!r ?\ %alt n l5d ^u int]e/1 t ,jehovah ?y ,god may bless !e 9 all t ?\ putte/ ?y h& unto1 9 ! l& :i!r ?\ goe/ 9 to possess x4 ,nehemiah #e3g-aj3 ,!n ,i consult$ ) myself1 & cont5d$ ) ! nobles & rul]s & said unto !m1 ,ye exact usury1 e "o ( 8 bro!r4 ,& ,i held a great assembly aga9/ !m4 ,& ,i said unto !m1 ,we aft] our ability h r$eem$ our bre?r5 ! ,jews t 7 sold unto ! nations2 & w\ld ye ev5 sell y\r bre?r51 & %\ld !y be sold unto u8 ,!n held !y _! peace & f\nd nev] a ^w4 ,also ,i said1 ,! ?+ ye d is n good3 ought ye n to walk 9 ! fe> ( our ,god1 because ( ! reproa* ( ! nations1 our enemies8 ,& ,i likewise1 my bre?r5 & my s]vants1 d l5d !m money & gra94 ,i pray y1 let u leave (f ?is usury4 ,! int]e/ exact$ by ! pr9ces & nobles 0 no d\bt s extortionate t x c\ld be call$ usury 9 ! mod]n legal s5se4 ,psalm #ae3 ,jehovah1 ,:o %all soj\rn 9 ?y tab]nacles8 ,:o %all dwell 9 ?y holy hill8 ,he t walke? uprightly & worke? righte\sness1 ,& speake? ! tru? 9 8 he>t2 ,he t sl&]e? n ) 8 tongue1 ,nor doe? evil to 8 fri5d1 ,nor take? up a reproa* aga9/ 8 neighbor2 ,9 ^: eyes a reprobate is despis$1 ,b :o honore? !m t fe> ,jehovah2 ,he t swe>e? to 8 own hurt & *ange? n2 ,he t putte? n out 8 money to int]e/1 ,nor take? rew>d aga9/ ! innoc5t4 ,he t doe? ^! ?+s %all nev] be mov$4 ,prov]bs #bh3h3 ,he t augm5te? 8 sub/ance by int]e/ & increase1 ga!re? x = him t ha? pity on ! poor4 ,j]emiah #ae3aj3 ,i h n l5t1 nei!r h m5 l5t to me2 yet e "o ( !m do? curse me4 ,k+ ,james reads3 ,i h nei!r l5t ^u usury1 nor h m5 l5t to me ^u usury4 ,z ,j]emiah 0 prote/+ 8 innoc5ce ( any wrongdo+ ! e>ly translators ins]t$ :at 0 evid5tly impli$ :ile ^! late/ revisors h omitt$ :at 0 n 9 ! orig9al text4 ,ezekiel #ah3a-ah3 ,! ^w ( ,jehovah came aga9 unto me say+1 ,:at mean ye t ye use ?is prov]b1 conc]n+ ! l& ( ,israel1 say+1 ,! fa!rs h eat5 s\r grapes & ! *ildr5's tee? are set on edge8 ,z ,i live sai? ! ,"l ,jehovah1 ye %all n h occasion any m to use ?is prov]b 9 ,israel4 ,behold1 all s\ls are m9e1 z ! s\l ( ! fa!r s also ! s\l ( ! son is m9e3 ! s\l t s9ne?1 x %all die4 ,b if a man be j & d t :i* is lawful & "r1 & ha? n eat5 ^u ! m\nta9s1 nei!r ha? lift$ up 8 eyes to ! idols ( ! h\se ( ,israel1 nei!r ha? defil$ 8 neighbor's wife1 nei!r ha? come ne> to a woman 9 h] impurity1 & ha? n wrong$ any1 b ha? re/or$ to ! debtor 8 pl$ge1 ha? tak5 naught by robb]y1 ha? giv5 8 bread to ! hungry1 & ha? cov]$ ! nak$ ) a g>m5t3 he ha? n giv5 =? ^u int]e/1 nei!r ha? tak5 any increase1 t ha? )drawn 8 h& f iniquity1 ha? execut$ true ju/ice betwe5 man & man1 ha? walk$ 9 my /atutes & ha? kept my ord9ances1 to deal truly3 he is j1 he %all surely live1 sai? ! ,"l ,jehovah4 ,if he beget a son t is a robb]1 a %$d] ( blood1 & t doe? any "o ( ^! ?+s1 & t doe? n any ( ^? duties1 b ev5 ha? eat5 ^u ! m\nta9s1 & d5i$ 8 neighbor's wife1 ha? wrong$ ! poor & ne$y1 ha? tak5 by robb]y1 ha? n re/or$ ! pl$ge1 & ha? lift$ up 8 eyes to ! idols1 ha? committ$ abom9ation1 ha? giv5 =? ^u int]e/1 & ha? tak5 increase2 %all he !n live8 ,he %all n live3 he ha? done all ^! abom9ations3 he %all surely die2 8 blood %all be ^u him4 ,n[1 lo1 if he beget a son :i* see? all 8 fa!r's s9s :i* he ha? done1 & fe>e? & doe? n su* l2 t ha? n eat5 ^u ! m\nta9s1 nei!r ha? lift$ up 8 eyes to ! idols ( ! h\se ( ,israel1 ha? n defil$ 8 neighbor's wife1 nei!r ha? wrong$ any1 ha? n tak5 aught to pl$ge1 nei!r ha? tak5 by robb]y1 b ha? giv5 8 bread to ! hungry1 & ha? cov]$ ! nak$ ) a g>m5t2 t ha? n )drawn 8 h& f ! poor1 t ha? n receiv$ int]e/ nor increase1 ha? execut$ my ord9ances1 ha? walk$ 9 my /atutes2 he %all n die = ! iniquity ( 8 fa!r1 he %all surely live4 ,z = 8 fa!r1 because he cruelly oppress$1 robb$ 8 bro!r1 & did t :i* is n good among 8 p1 behold1 he %all die 9 8 iniquity4 ,ezekiel #bb3f-ab3 ,behold1 ! pr9ces ( ,israel1 e "o accord+ to 8 p[] h be5 9 !e to %$ blood4 ,9 !e h !y set light by fa!r & "m2 9 ! mid/ ( !e h !y dealt by oppression ) ! soj\rn]2 9 !e h !y wrong$ ! fa!rless & ! wid[4 ,?\ ha/ despis$ m9e holy ?+s & ha/ pr(an$ my sabba?s4 ,sl&]\s m5 h be5 9 !e to %$ blood2 & 9 !e h !y eat5 ^u ! m\nta9s2 9 ! mid/ ( !e !y h committ$ lewdness4 ,9 !e h !y uncov]$ _! fa!rs' nak$ness2 9 !e h !y humbl$ h] t 0 unclean 9 h] impurity4 ,& "o ha? committ$ abom9ation ) 8 neighbor's wife2 & ano!r ha? lewdly defil$ 8 daught]-9-law2 & ano!r 9 !e ha? humbl$ 8 si/]1 8 fa!r's daught]4 ,9 !e h !y tak5 bribes to %$ blood2 ?\ ha/ tak5 int]e/ & increase1 & ?\ ha/ gre$ily ga9$ ( ?y neighbors by oppression & ha/ =gott5 me sai? ! ,"l ,jehovah4 ,mat!w #be3bf-bg3 ,b 8 "l answ]$ & said unto him1 ,?\ wick$ & slo?ful s]vant1 ?\ knewe/ t ,i reap :]e ,i s[$ n & ga!r :]e ,i did n scatt]2 ?\ oughte/ !re=e to h put my money to ! bank]s1 & at my com+ ,i %\ld h receiv$ back m9e own ) int]e/4 ,luke #ai3bb1 #bc3 ,he sai? unto him1 ,out ( ?9e own m\? w ,i judge !e1 ?\ wick$ s]vant4 ,?\ knewe/ t ,i am an au/]e man tak+ up t ,i laid n d[n & reap+ t ,i did n s[2 !n :]e=e gave/ ?\ n my money into ! bank1 & ,i at my com+ %\ld h requir$ x ) usury4 ,luke #af3ac-ae3 ,no s]vant c s]ve two ma/]s3 = ei!r he w hate ! "o1 & love ! o!r2 or else he w hold to ! "o & despise ! o!r4 ,ye _c s]ve ,god & mammon4 ,& ! ,ph>isees :o 7 lov]s ( money he>d all ^! ?+s & !y sc(f$ at him4 ,& he said unto !m1 ,ye are !y t ju/ify y\rselves 9 ! sight ( m5 b ,god kn[e? y\r he>ts3 = t :i* is exalt$ among m5 is an abom9ation 9 ! sight ( ,god4 ,x is n easy to und]/& h[ an hone/1 godly man1 :o has ev5 m$ium intellig5ce1 uncl\d$ by prejudice1 & :o has confid5ce 9 ! highe/ s*ol>%ip ( ! age1 c d5y t ! reveal$ ,^w ( ,god1 9 bo? ,te/am5ts1 condemns usury or int]e/4 ,x is j z difficult to expla9 h[ any "o1 n gl>+ly inconsi/5t1 c claim t int]e/ tak+ is n a s91 :o b[s to ! div9e au?ority ( ! reveal$ ,^w & :o def9es s9 z ,any want ( con=mity unto or transgression ( ! law ( ,god4 ,,*apt] ,,xv4 ,,duty ,,le>n$ ,,f ,,two ,,s\rces4 ,9 ?is discussion we le>n our duty f two s\rces4 ,two au?orities are recogniz$4 ,"o is ! revelation ( ,god 9 8 writt5 ,^w4 ,! o!r is ! book ( nature2 ?is includes ! e?ical nature ( man1 8 social relations1 & ! laws t gov]n mat]ial ?+s4 ,! au?or ( ! ,bible is ! ,god ( nature4 ,!y are b two volumes f ! same m9d & h&4 ,!y mu/ speak 9 h>mony :5 bo? are und]/ood4 ,tru? f\nd 9 ! inspir$ ,^w _c be contradict$ 9 nature2 & no facts 9 ! works ( ,god c be f\nd 9 conflict ) ! ,^w ,he has spok54 ,a tru? f\nd 9 ei!r is always consi/5t ) ! tru?s made pla9 9 ! o!r4 ,famili>ity ) "o prep>es u to bett] und]/& ! o!r4 ,! dev\t /ud5t ( ! ,^w has 8 m9d ar\s$1 & 8 susceptibility s quick5$ t he is able to read m cle>ly ! lessons 9 ! volumes ( nature op5 be=e him4 ,! /ud5t ( nature1 :o has se>*$ its my/]ies & tak5 9 its beauty & designs ( inf9ite wisdom ev]y:]e appe>+1 mu/ be ! m ready & compet5t to appreciate ! reveal$ love & grace4 ,! ,bible is n a treatise on natural sci5ce1 nor does natural sci5ce tea* reveal$ religion1 yet !y d n conflict4 ,! special /ud5t ( ei!r may h p]fect confid5ce t :atev] he has f\nd true 9 8 *os5 field w be f\nd consi/5t ) tru? 9 o!r fields ( special /udy4 ,*emi/ry1 biology & all /udies ( nature1 are f\nd only to give a high] conception ( ! ,god ( all grace4 ,! same wisdom & p[] %9e out 9 ,8 works t are reveal$ 9 ,8 ,^w4 ,aga91 ! laws ( ,god1 :e!r fix$ 9 nature or reveal$ 9 ,8 ,^w1 are = ! highe/ int]e/ ( ! physical1 m5tal & spiritual man4 ,e tru? 9 ! ,^w works = ! welf>e ( man's body & s\l4 ,! laws ( nature1 physical & psy*ological1 obey$1 promote man's bodily & m5tal vigor4 ,/rict ob$i5ce to ! laws ( ,god1 z reveal$ 9 bo? ,^w & nature1 produces ! complete/ physical & m5tal manhood4 ,god _h ! highe/ welf>e ( e man at he>t :5 ,he prep>$ ! e>? = 8 abode & gave him dom9ion ov] x4 ,& ,he ye>n$ = 8 deliv]ance f a fall5 e/ate :5 ,he gave him a revelation ( ,8 inf9ite r$eem+ love4 ,! eye ( ,god is ^u ea* individual ( ! race1 z ^u e sp>r[4 ,he has 9 ?\ght1 9 ^w & 9 works1 n ! favor+ ( "o ( an hundr$1 :ile ! n9ety & n9e are cru%$ or neglect$1 b ! happ9ess & highe/ good ( e "o ( ! hundr$4 ,! e?ics ( ! ,bible & ! e?ics ( nature1 z wr\ght out by ! e>ne/ hea!n philosoph]s1 ma9ly agree4 ,x is an a/oni%m5t to "s t !re is s mu* agreem5t 9 ! sy/ems ( hea!n morals & ! reveal$ moral law4 ,! moral law is writt5 on m5's he>ts1 & c be read !re by ! dilig5t & c>eful /ud5t2 b ! consci5ces ( m51 enlight5$ & quick5$ by ! reveal$ ,^w1 produce ! highe/ e?ical types ! _w kn[s4 ,! ,bible is n a "w on political economy1 yet !re is no?+ out ( h>mony ) ! mo/ p]fect political in/itutions4 ,:5 we f9d political pr9ciples cle>ly reveal$1 we %all f9d ! same tru?s :5 we /udy ! mo/ ord]ly relations ( m5 9 _! social organization4 ,! ,bible is n a "w on economics1 yet x advances no economic pr9ciples t "w a h>dness or inju/ice to any4 ,:5 we f9d economic pr9ciples cle>ly /at$1 we %all surely f9d ! same tru?s confirm$ 9 a c>eful /udy ( ! nature ( ?+s4 ,z ! writt5 ,^w =bids usury or int]e/1 x c be presum$ t ! nature ( ?+s & man's highe/ good also =bids x2 t x is n an arbitr>y prohibition1 b is giv5 9 love because x is 9 its v nature a ru9\s evil4 ,z we f9d a positive prohibition ( tak+ usury or int]e/ 9 ! old disp5sation & ! confirmation ( x 9 ! new1 bo? by ! words ( ! ,ma/] & ! und]/&+ & practice ( ! disciples & fa!rs1 we may confid5tly expect t x w be confirm$ by a correct & c>eful /udy ( e?ics & ( ! relation ( man to ?+s4 ,we may le>n duty f ei!r or bo? s\rces4 ,to "s m5 ! ,bible comes ) ! greate/ cle>ness & ! utmo/ =ce ( au?ority4 ,o!rs f9d 9 nature _! highe/ conception ( ! ,inf9ite1 & _! be/ directions = a correct life4 ,if usury or int]e/ is f\nd to be a s9 f ! ,^w1 !re is no ne$ = ^? to ent] into ! economic pro( :o h no ta/e = ?is "* ( /udy or reason+4 ,if x is f\nd to be malum p] se f ! nature ( ?+s1 ev5 ^? :o reject ! div9e revelation mu/ array !mselves aga9/ x4 ,if x is %[n to be evil by bo? revelation & economic law1 !n all peoples1 ,*ri/ian & hea!n1 %\ld comb9e aga9/ x4 ,,*apt] ,,xvi4 ,,rights ,,( ,,man ,,ov] ,,?+s4 ,man 0 ! la/ & ! cr[n+ "w ( ! ,creator4 ,god made man 9 8 own image & gave him dom9ion ov] all creatures4 ,= ?\ ha/ made him a little l[] ?an ! angels1 & ha/ cr[n$ him ) glory & honor4 ,?\ made/ him to h dom9ion ov] ! works ( ?y h&s2 ?\ ha/ put all ?+s "u 8 feet3 ,all ! %eep & ox51 yea1 & ! bea/s ( ! field2 ,! f[l ( ! air1 & ! fi% ( ! sea1 & :atsoev] passe? ?r\gh ! pa?s ( ! seas4 ,?is high position is 9 entire h>mony ) man's innate consci\sness ( 8 sup]ior p[]s1 & ( 8 nobl] spiritual nature1 & ( 8 rightful dom9ion ov] all ! o!r mat]ial creations4 ,man is a p]son1 a ?9k+ intellig5t be+1 & is consci\s ( 8 p]sonality1 & f 8 l(ty height he calls all else ! l[] & ! inf]ior creatures4 ,:]ev] man is f\nd ov] ! :ole e>?1 ( :atev] fai? or grade ( civilization1 he claims ?is univ]sal dom9ion4 ,man 0 comm&$ to subdue ! e>? & br+ x into subjection z 8 s]vant & he is consci\s ( 8 "r to use all ?+s to promote 8 com=t1 conv5i5ce & welf>e4 ,any?+ he c make ( s]vice to himself he has a "r to appropriate4 ,a tree is a ?+ :i* he may prep>e = 8 own purposes1 = fuel1 = tools1 or = a dwell+1 z he pleases4 ,isaiah ridicul$ ! idolat] 9 8 "t1 :o made an idol ( wood & wor%ip$ x1 :ile ) ano!r "p ( ! same tree he built a fire & w>m$ himself4 ,a "p he s]v$ & a "p s]v$ him4 ,! :ole tree 0 subject to him2 9 itself x _h no rights4 ,rights belong to p]sons1 & n to ?+s1 & p]sonality _c be transf]r$ to a ?+4 ,if !re is no p]sonal own] ! "q ( rights is nev] rais$4 ,! tree1 or any ?+ :atev]1 has no rights 9 ! matt]4 ,rights belong to ! own]1 ! p]son1 n to ! ?+ he owns4 ,! game 9 ! m\nta9 =e/s & ! fi% 9 ! riv]s are ?+s ) no own] & :osoev] w may take & use !m4 ,l& is a ?+1 & any p]son may make x into a f>m or g>d5 & build ^u x 8 home4 ,! l& has no rights & makes no prote/4 ,! :ole e>? is subject to man & is to be subdu$ by him4 ,if no own] appe>s 8 rights are n disput$4 ,our fa!rs f\nd an un[n$ cont95t1 ) all its ri* res\rces ( soil & =e/s & m9es4 ,x 0 to !m free1 & ) ! labor ( a few g5]ations !y trans=m$ x into f>ms & plantations & built x ov] ) magnific5t cities4 ,ev5 t :i* =m]ly 0 ! prop]ty ( ano!r has no rights4 ,! des]t$ hunt]'s hut 9 ! m\nta9s c be appropriat$4 ,! ab&on$ f>m does n resi/ a new t5ant4 ,a d]elict vessel1 /ill afloat b driv5 be=e ! w9ds1 ^: (fic]s1 crew & own]s are at ! bottom ( ! sea1 c be appropriat$1 = !re is no "o to dispute ! claim4 ,ev5 =ce or labor 9 ! ab/ract is b a ?+ & has no rights4 ,! w9d is un[n$ & any "o :o w may h>ness x to d 8 "w4 ,! electric =ces ( nature are un[n$1 :oev] w may ga!r & direct !m to d 8 purpose4 ,! wat]fall may be made to d man's "w & w n resi/4 ,! animals h no rights aga9/ man4 ,! bron*o1 horse1 ox1 mule1 or animal ( any k9d1 may be turn$ to man's s]vice4 ,all ! =ces ( nature 7 made = man4 ,!y h no rights to be reg>d$1 :5 8 int]e/s c be s]v$4 ,x is man's high privilege to /& above all ?+s1 to call !m to 8 feet & to compel _! s]vice4 ,x is ! rev]sion ( ! ord] = him to take ! subord9ate place & s]ve ! inf]ior creation4 ,?+s subdu$1 su* z weal? secur$1 is to m9i/] to 8 highe/ good & to promote 8 noble/ manhood4 ,! ord] is rev]s$ :5 ?is weal? comm&s 8 s]vice & sacrifice4 ,! mis] bo? rev]ses ! div9e ord] & violates common s5se by giv+ ! love & s]vice ( 8 %rivel+ s\l to a ?+4 ,! usur] & ! borr[] on usury1 bo?1 rev]se ! true ord] by assum+ t a ?+ c claim man's s]vice4 ,bo? grant t a ?+ has rights to be respect$4 ,! usur] takes ! s]vice z due to ! ?+ he owns4 ,x is 8 prop]ty t is exalt$1 & = :i* he claims ! s]vice mu/ be r5d]$1 & if ! borr[] w ?9k closely1 he w f9d t 9 pay+ usury he is s]v+ a ?+4 ,a man rev]ses ! div9e ord] & degrades himself1 & becomes a gross idolat]1 :5 he s]ves ?+s un[n$ in/ead ( comm&+ _! s]vice1 /ocks & /ones4 ,he rev]ses ! true ord] :5 he becomes a mis] & s]ves t :i* is 8 own1 :i* 8 own f+]s h made1 in/ead ( compell+ x to s]ve him4 ,he is n less degrad$ :5 he exalts ov] himself a ?+ own$ by ano!r & s]ves x4 ,! own]%ip ( ano!r does n *ange ! nature ( ! ?+4 ,"o c s]ve 8 neighbor's idol z truly z he c 8 own4 ,!re is no?+ above man b ,god4 ,8 fell[ man is by 8 side1 8 equal1 & all o!r mat]ial creations are b5ea? 8 feet1 & he is n to p]mit 8 fell[ man to lift up ! inf]ior ?+ & place x above him4 ,if he does he mu/ /ep d[n f ! p9nacle on :i* he 0 plac$ by 8 ,god & :i* 8 own consci\sness dem&s he %all occupy4 ,%all ! ax boa/ itself aga9/ him t hewe? !re)8 or %all ! saw magnify itself aga9/ him t %ake? x8 z if ! rod %\ld %ake itself aga9/ !m t lift x up1 or z if ! /aff %\ld lift up itself1 z if x 7 no wood4 ,isaiah #aj3ae4 ,if he s]ves ! borr[$ ax & saw = ! claim t ! ax & saw h aga9/ him1 he admits 8 debt to ?+s & ,isaiah's ridicule ( an idolat] c be turn$ aga9/ him & he /eps d[n f ! position ( consci\s inborn dignifi$ lord%ip & becomes a s]vant ( ! inf]ior ?+s4 ,,*apt] ,,xvii4 ,,equal ,,rights ,,( ,,m54 ,all m5 h sacr$ rights t mu/ be reg>d$4 ,t ^! rights are equal is s famili> & /ale an expression t x h>dly ne$ be spok54 ,all m5 are creat$ equal1 ea* hav+ rights1 t are inali5able1 & ea* hav+ ! "r to resi/ ! encroa*m5t on 8 rights by ano!r4 ,to protect ^! rights gov]nm5ts are in/itut$4 ,! vital en]gy ( a man is 8 own & 8 "r to x mu/ be reg>d$4 ,s9ce ! abolition ( *attel slav]y ?is has be5 indefeasible except = crime4 ,he has a "r to 8 own vital en]gy & to all t 8 own vital =ce produces4 ,he has a "r to 8 prop]ty inh]it$1 e>n$1 or h[ev] secur$1 except by fraud4 ,he has no claim aga9/ ! vital en]gy ( 8 fell[ man1 nor has he any claim :atev] aga9/ ! prop]ty ( ano!r4 ,! work+ man ne$s capital4 ,8 vital en]gy mu/ wa/e unless !re is mat]ial ^u :i* x may be exp5d$4 ,!re mu/ be ! tree1 l& or mat]ial 9 "s =m1 ^u :i* he c "w4 ,b give him ! _w raw & unsubdu$ & he c trans=m x aga9 z he has4 ,he c build aga9 ev]y?+ on l& & sea1 ! f>ms1 t[ns1 & cities1 & ! float+ palaces4 ,he c aga9 dig out ! m9es & ref9e ! silv] & gold1 m\ld ! clay1 smelt ! ore & %ape ! iron4 ,8 ne$s & 8 p[]1 h[ev]1 give him no claim to ! prop]ty ( ano!r4 ,! man ( prop]ty is dep5d5t ^u ! labor]4 ,he may be ! own] ( f>ms1 =e/s & m9es1 ( horses1 flocks & h]ds1 ( railroads & oil wells1 yet ^! w n m9i/] to him nor s]ve him )\t ! labor]4 ,8 c(f]s may be fill$ ) gold1 & 8 b>ns bur/+ ) gra9 & 8 /alls fill$ ) fatl+s1 yet all ?is weal? is useless & lo/1 unless t\*$ ) ! vital en]gy ( an intellig5t labor]4 ,b 8 dep5d5ce & losses give him no "r to ! labor ( ano!r4 ,he has no "r1 no j claim1 to ! s]vices ( ano!r man1 8 equal4 ,all 8 weal? _c conf] ! "r4 ,weal? is b a ?+1 9 itself )\t rights1 & c !re=e add no?+ to ! rights ( its own]4 ,he may h[ev] use 8 weal? to comm& s]vice by might1 b n by "r4 ,a club is b a ?+ hav+ no w & no rights1 yet 9 ! h&s ( a savage x adds greatly to 8 p[] & may be us$ by him to oppress ano!r ( 8 tribe4 ,a ruffian ) 8 gun meet+ a def5seless man may s comm& him1 t he is ready = ! mo/ abject ob$i5ce4 ,an arm$ highwayman may compel a brave man to /& & deliv]4 ,s a man may use 8 prop]ty to secure ! s]vice ( ano!r b x gives him no "r to t s]vice4 ,! usur]1 :o has himself no rights aga9/ 8 fell[s1 uses a ?+1 8 prop]ty1 z an in/rum5t or weapon to comm& s]vice4 ,he may place 8 h& ^u e mat]ial ?+ ano!r mu/ h1 & )hold x1 & ! o!r is %ut up & compell$1 he has no alt]native4 ,he mu/ yield to ! dem&s or suff]4 ,_m m5 are driv5 to ! la/ extremity be=e !y w borr[4 ,b if ! borr[] is v will+ & urg5t = ! loan1 ?is does n *ange ! nature ( ! act4 ,! game may be %ot ^u ! w+ z x is endeavor+ to escape1 or x may be sn>$ 9 a trap by a tempt+ bait4 ,! wild bron*o may be captur$ 9 *ase1 or beguil$ into ! corral4 ,! volunt>y sacrifice ( o!rs to ! usur] does n make 8 ga9s j4 ,! fooli% ones are n[ will+ to inve/ 9 lott]y tickets1 yet t does n make ! lott]y lawful4 ,slot ma*9es are be+ put out ( ! cities1 because s _m are ready to "p ) _! nickels4 ,if !re 7 none ensn>$ by !m1 !y c\ld /& h>mless4 ,! borr[] may be greatly elat$ ) ! hope ( ga91 b ! inju/ice is ! same1 :e!r ! s]vices be secur$ by compell+ =ce1 or by guile1 or by ! folly ( ! victim4 ,if we admit ! supremacy ( man ov] ! mat]ial creation1 all subord9ate to him1 & no "r to be1 except to s]ve him1 & also admit ! equal rights ( all m51 !re is no escape f ! conclusion t ! usur] c h no rightful claims to any portion ( ! labor ( ! borr[]1 )\t surr5d]+ to him "s portion ( 8 prop]ty z comp5sation = ! s]vices receiv$4 ,he mu/ h less prop]ty :5 ! s]vice is r5d]$ & ! borr[] mu/ h m prop]ty if ! rights ( bo? are reg>d$4 ,a false impression prevails1 t ! l5d] 9 "s way gives ! loan to ! borr[]2 t ! borr[] becomes some:at ! own] ( ! prop]ty4 ,! borr[] is enc\rag$ 9 ?is illusion & x becomes a plausible basis = ! claim ^u 8 s]vices4 ,:5 a loan is made to a bank x is call$ a deposit & rightly1 = x is only plac$ 9 ! bank]'s h&s & does n 9 any "p become 84 ,?is is true ( any am\nt1 great or small1 :e!r ! deposit draws int]e/ or n4 ,! l5d] nev] loses 8 s5se ( own]%ip ( ! :ole am\nt1 nor does ! bank] enc\rage ! fiction t he has become "p own]4 ,e loan is b a deposit4 ,! own]%ip ( no "p passes to ! borr[]4 ,x is seldom t ! loan or deposit is n saf] 9 ! keep+ ( ! borr[] ?an 9 ! h&s ( ! own] himself1 :5 secur$ by mortgages or p]sonal sureties4 ,! usur] ga9s ! e>n+s ( ! borr[] b p>ts ) no prop]ty4 ,he receives ! s]vice b gives no?+4 ,two usur]s1 ,a & ,b1 are neighbors4 ,a has a g>d5 he wi%es dug4 ,he has an ax b no hoe4 ,b has wood t he wi%es cut4 ,he has a hoe b no ax4 ,! labor] appe>s & wi%es to d _! "w4 ,usur] ,a agrees to l5d him 8 ax to cut ,b's wood on ! condition t he %all return x unimpair$ & "w 8 g>d5 = its use4 ,he cuts ! wood1 b has no hoe to dig ,a's g>d5 = ! use ( ! ax4 ,usur] ,b n[ l5ds ! labor] 8 hoe to dig ! g>d51 b takes ! cutt+ ( ! wood = ! use ( ! hoe4 ,! confus$ borr[] kn[s he is defraud$ ( 8 "w1 ?\gh ea* seems to h a plausible claim ^u him4 ,a does n give ! hoe to ! labor]4 ,he reta9s ! full own]%ip b deposits x 9 ! workman's h&s to be return$ unimpair$4 ,b does n give away 8 ax1 he only places x 9 ! labor]'s h&s also to be return$ unimpair$4 ,! full hoe & full ax is return$ & !y h tak5 ! s]vices )\t comp5sation4 ,! result is j ! same z if ,a & ,b _h trad$ tools & ,a _h giv5 ! labor] a hoe to dig ! g>d51 ! tool & ! mat]ial ) :i* to "w1 & ,b _h giv5 him an ax to cut 8 wood1 ! tool & ! mat]ial ) :i* to "w1 )\t a pret5ce ( a paym5t = 8 labor4 ,tak+ only a "p ( ! borr[]'s or labor]'s s]vices does n relieve x ( inju/ice4 ,! nature ( ! oppression is ! same1 only less he9\s & flagrant4 ,he :o took a p5ny belong+ to ano!r is a ?ief z truly z ! man :o took a p\nd4 ,petit l>c5y & gr& l>c5y diff] only 9 ! am\nt /ol54 ,! man :o takes ?ree p] c5t4 ( ! labor ( ano!r wrongfully defrauds z ! man :o takes fifty p] c5t4 ,! nature ( ! wrong is ! same2 !y only diff] 9 degree4 ,x is a well kn[n fact1 h[ev]1 (t5 repeat$1 t n9ety-five out ( e hundr$ :o g into bus9ess ) borr[$ capital1 t is1 :o pay int]e/ on _! mat]ial & tools1 d give ! vigor ( _! lives to ! s]vice ( usur]s & at ! end h no?+4 ,! elem5t ( "t is only a figm5t t cl\ds ! "q ( "r & deceives ! borr[]4 ,9 ord] t ! labor ( ano!r may be appropriat$ x is necess>y to give him "t to "w4 ,! labor] may dig 9 ,a's g>d5 a day or all summ] & he may *op wood = ,b a day or all w9t]4 ,! result is ! same4 ,x is necess>y t ! borr[] be giv5 "t to e>n some?+ be=e x is or c be appropriat$4 ,! "q is1 h[ rapidly c he e>n1 & h[ soon c 8 e>n+s be collect$8 ,long "t loans ) ! frequ5t paym5ts ( ! e>n+s ( ! victim are ! ideal conditions ( ! usur]4 ,,*apt] ,,xviii4 ,a ,,false ,,basal ,,pr9ciple4 ,t usury or int]e/ mu/ be held "u ! re/ra9ts ( law is recogniz$ 9 ne>ly all c\ntries4 ,x is treat$ z a necess>y evil t _c be aboli%$1 & !re=e mu/ be controll$4 ,bacon said1 ,x is p]mitt$ on acc\nt ( ! h>dness ( m5's he>ts4 ,! laws diff] 9 ! v>i\s /ates4 ,! rate ( int]e/ au?oriz$ by a p>ticul> /ate is n inv>iably fix$1 b is *ang$ z ! condition ( ! p seems to dem&4 ,t :i* det]m9es ! rate1 ( any p>ticul> p1 at any p>ticul> "t1 is ! productive ability ( ! borr[]4 ,! rate n[ 9 ,engl& is ab\t ?ree p] c5t4 ,! conditions be+ su* t ! productive p[] ( ! borr[] is v limit$4 ,9 ! ,unit$ ,/ates1 :]e ! natural res\rces are n all occupi$1 & ! av5ues = successful ef=t m num]\s1 ! av]age is sev5 p] c5t4 ,9 ! we/]n /ates ( ! ,unit$ ,/ates ! rates are high] ?an 9 ! ea/]n1 = ! mat]ial res\rces lie s op5 & undevelop$ t ! productive p[] ( ! borr[] is f> great] ?an 9 ! old] ea/]n /ates4 ,! basal = ! rate ( int]e/ is ! b5efit or ! advantage ( ! loan to ! borr[]4 ,:at c ! borr[] d or make ) ?is capital8 ,h[ great a b5efit c he ga9 by x8 ,! rate is bas$ on ! e>n+s ( ! borr[]4 ,! transf] f ,r4 ,r4 /ation to ,r4 ,r4 /ation across ?is city is tw5ty-five c5ts4 ,t ,i may make my tra9 & meet my appo9tm5t1 t prompt & rapid transf] is ( great] value to me1 b t does n give ! hackman ! "r to an increas$ *>ge4 ,! f>e to ! di/ant city is t5 doll>s1 b to me1 ) important bus9ess wait+ & suff]+1 x is wor? an hundr$4 ,! conductor does n ask me :at my pr(its are to be f ?is trip4 ,he collects ! same f>e ( all = ! same s]vice1 :atev] _! int]e/s may be 9 ! passage4 ,! lett] :i* is freight$ ) a proposition t affects my future life is two c5ts4 ,because ( great value to me ! po/al s]vice is no m ?an a lett] ( idle gossip4 ,railroad freight rates are at times arbitr>ily fix$ on ! basis ( ! b5efit to ! patron4 ,! rates ( freight f a coal m9e are sometimes made by a railroad on ! basis ( ! pr(its ( op]at+ ! m9e4 ,! rates to a qu>tz m9e 9 ! m\nta9s are (t5 s regulat$4 ,a contractor1 dep5d5t on a transportation company1 mu/ (t5 %>e 8 pr(its4 ,su* rates are reg>d$ z unju/ & oppressive & ef=ts are made to correct ! evil by law4 ,a is cross+ ! city & c )\t inconv5i5ce c>ry a note to a p>ty = ,b4 ,t accommodation )\t sacrifice or inconv5i5ce on ! "p ( ,a is no basis = a *>ge ^u ,b1 ?\gh ! deliv]y ( ! message 0 ( value to ,b1 b if ,a discov]s t 9 deliv]+ t note he c make x a matt] ( bus9ess ga9 to himself1 t w\ld n ju/ify ,b 9 claim+ a "p ( ! pr(its ,a secur$ = himself4 ,:ile ,a s]v$ 8 own bus9ess he also favor$ ,b4 ,x w\ld be unreasonable & unju/ = ,b to =get ! favor & make a *>ge aga9/ ,a1 because 9 ! deliv]y ( ! note ,a manag$ to ga9 a pr(it4 ,two f>m]s are )\t b>ns4 ,x w require ! labor ( a numb] ( ye>s to secure ! requisite am\nt ( lumb] & o!r mat]ial to enable !m to erect _! b>ns4 ,"o ( ! f>m]s und]takes to %elt] & protect f decay ! lumb] ( bo?1 until ! requisite am\nt c be secur$4 ,?is is a real favor to ! o!r & is accept$ readily4 ,he ev5 (f]s to pay him = ! c>e & liability4 ,b he discov]s aft]w>d t 8 neighbor1 by wise1 c>eful & skillful pil+1 has made f ?is lumb] a %elt] = 8 /ock & gra94 ,t he has s manag$ z to ga9 = himself a b5efit4 ,!n1 ) ! false pr9ciple ( usury he makes a *>ge = ! keep+ ( ! v ?+ = :i* he 0 will+ to pay a price4 ,a g5tleman n want+ 8 coa* = a "t1 b wi%+ x to be kept 9 p]fect repair1 & 8 team f$ & ex]cis$1 to be kept sleek & /rong1 leaves x 9 8 coa*man's c>e4 ,! coa*man agrees to keep f decay1 & to replace %\ld "o die1 & at ! end ( ! t]m1 return ! coa* 9 p]fect condition1 no m> or we>1 & ! team sleek & /rong f good c>e1 fe$ & daily ex]cise4 ,b ! coa*man discov]s t 9 ! daily ex]cise ( ! team he c c>ry a p>ty ( bus9ess m5 to & f _! (fices1 & secure = himself a ga94 ,he1 at ! end ( ! t]m1 returns ! c>riage & equipage complete z he receiv$ x4 ,! own] has _h 8 prop]ty p]fectly c>$ = dur+ ! t]m he c\ld n use x4 ,b ! own] le>n+ ( ! b5efit to ! keep]1 :i* w\ld n h be5 possible )\t 8 equipage1 dem&s a portion ( ! b5efit :i* co/ him no?+1 nor 9 ! lea/ dim9i%$ 8 prop]ty4 ,a g5tleman has a w>m1 ri* & beautiful robe1 b is ab\t to travel a numb] ( ye>s among ! c\ntries ( ,cuba1 ,porto ,rico1 & ! ,philipp9es1 :]e he w n ne$ x1 & aft]w>d visit ,sib]ia1 :]e he w ne$ & use x4 ,ano!r und]takes to relieve him ( all c>e ( x dur+ ^! ye>s & deliv] x to ! ,sib]ian home ready = 8 use4 ,he protects x f ! mo?s 9 summ]1 & gu>ds x aga9/ all t\* or ta9t1 & deliv]s x 9 ! p]fect condition 9 :i* x 0 receiv$4 ,9 ju/ice he des]ves a rew>d f ! own]1 & if he receiv$ no b5efit1 w\ld receive x1 b x is f\nd t he ne$$ x = 8 com=t by ! way1 & t )\t x he %\ld h p]i%$4 ,!n ! own] dem&s a rew>d = ! b5efit ! c>ri] receiv$4 ,! own] did no s]vice4 ,he receiv$ a positive b5efit1 b ! port]1 :o c>ri$ ! burd5 all ! way1 mu/ pay int]e/ or r5tal because he 0 kept f p]i%+ by x4 ,! surprise or discov]y feature is introduc$ into ! above illu/rations to emphasize ! false basis ^u :i* ! rates ( int]e/ re/4 ,9 ! actual practice ( usury ! l5d] may h full in=mation z to ! use ( ! loan & its advantages to ! borr[]4 ,if we elim9ate ?is feature ! basis /ill rema9s unt5able4 ,by no tortion ( e?ics c ,i dem& t he1 :o does me a favor1 %all pay me = ! privilege4 ,a man has "o ?\s& doll>s ( money he is n us+4 ,he gives x to ano!r to keep or place 9 a draw] 9 8 vault4 ,to c>e = ?is & be responsible = x1 a commission is all[$1 = x is no b5efit to ! keep]4 ,ev5 an am\nt is ask$ = ! draw] 9 ! vault1 )\t responsibility4 ,to c>e = ?is a t]m ( ye>s is des]v+ ( a rew>d4 ,b n[ keep+ ! prop]ty equally safe1 & return+ e doll> :5 ! own] calls = x1 is n satisfactory to ! usur]4 ,if ?is money has 9 any way prov$ a b5efit to ! keep]1 ?r\gh 8 wisdom & en]gy & skill1 he dem&s an increase4 ,:at is ?is loan wor? to y8 is ! "q ( ! usur] to ! borr[]4 ,! basis ( legal int]e/ rates is ! am\nt ( b5efit ! borr[] ga9s by ! loan4 ,if 8 opportunities 9 a /ate are favorable1 & he may by dilig5ce make a l>ge ga91 ! rates are high4 ,if 9 ano!r /ate 8 opportunities are s limit$ t1 /rive z he may1 he c make little ga91 ! legal rates w be l[4 ,! basis is s absurd t _m h urg$ ! repeal ( all laws regulat+ ! rates ( int]e/4 ,:y %\ld ! laws presume to level ! rates = a :ole /ate8 ,! possibilities & opportunities ( ga9 are inf9itely v>i$4 ,e borr[] kn[s 8 own conditions & ! am\nt ( advantage ! loan is to him & he %\ld be p]mitt$ to pay = money :atev] he is will+ to pay4 ,"o writ] ?us expresses x1 ,no man ( ripe ye>s & ( s\nd m9d1 act+ freely1 & ) 8 eyes op51 ought to be h9d]$1 ) a view to 8 advantage1 f mak+ su* b>ga9s 9 ! way ( obta9+ money1 z he ?9ks fit2 nor anybody h9d]$ f supply+ him ^u any t]ms he ?9ks prop] to acc$e to4 ,j]emy ,b5?am is (t5 quot$ to prove ! absurdity ( all laws regulat+ ! rates ( int]e/1 & yet all 8 elaborate argum5ts are bas$ on ?is false pr9ciple4 ,if usury is wrong only :5 ! borr[] c make no pr(it1 & is "r :5ev] ! borr[] c make a ga9 by x1 & ! rate ( int]e/ is to be measur$ by t ga91 !n all laws are illogical t limit ! rate1 & may be class$ among ^? re/ra9+ trade4 ,,*apt] ,,xix4 ,,! ,,true ,,e?ical ,,pr9ciple4 ,! true e?ical pr9ciple t %\ld gov]n ! relation betwe5 ! own] ( prop]ty & ! p]son hold+ t prop]ty z a loan1 does n diff] f ! pr9ciple t is recogniz$ z prevail+ 9 all ! o!r relations ( life4 ,! p>ty to :om ! s]vice is r5d]$ is "u obligation4 ,! p>ty s]v$ is ! "o :o mu/ pay = ! s]vice4 ,! p>ty s]v$ mu/ pay 9 proportion to ! am\nt ( s]vice r5d]$ him4 ,if t s]vice is great1 !n ! paym5t mu/ be l>ge4 ,if ! s]vice is slight1 !n ! paym5t is small1 & :5 !re is no s]vice !n no paym5t c be claim$4 ,?is pr9ciple is recogniz$ 9 all wor?y & upright transactions4 ,x is ! s]vice r5d]$ t is rew>d$ 9 a c\rt ( ju/ice4 ,an employe recov]s 8 wages f 8 employ] = 8 s]vices r5d]$4 ,! condition ( ! employ]'s bus9ess does n ent] into ! c\nt4 ,x may h be5 unpr(itable or a great success b t _c affect ! claim ei!r way4 ,a physician *>ges = ! s]vices giv5 a pati5t4 ,! recov]y or dea? ( ! pati5t c nei!r increase nor dim9i% !m4 ,9 s]vice we always surr5d] some?+ ( ourselves or ( our own1 & ea* kn[s ! sacrifice or ef=t he has made2 he _c "k ! value ( ?is to ! o!r1 & he ne$ n "k4 ,full comp5sation is due f ! p>ty s]v$ b no comp5sation is due :5 no s]vice is giv5 nor prop]ty surr5d]$4 ,! usur]'s :ole claim is = ! s]vice ( 8 prop]ty4 ,b he does n surr5d] a p>ticle ( 8 weal?4 ,he does n become poor] 9 mak+ 8 loan4 ,he holds all 8 weal? z fully z be=e1 :e!r x be a loan ( money or gra9s or tools4 ,!re has be5 no outgo ( prop]ty = :i*1 9 any o!r relation1 he c\ld claim a rew>d or comp5sation f 8 fell[4 ,he simply deposits 8 prop]ty ) 8 fell[ & takes security = its safe keep+4 ,x mu/ be pres]v$ p]fectly & re/or$ fully4 ,:5 we consid] ! true pr9ciple1 t comp5sation is due always = s]vices r5d]$1 ! obligation is ^u ! l5d] = ! c>e & pres]vation ( 8 prop]ty4 ,! borr[] 9 any & e case gives a real & valuable s]vice 9 pres]vation & re/oration at ! end ( ! t]m1 :ile ! l5d] r5d]s no p]sonal s]vice nor does he "p ) a p>ticle ( 8 weal?4 ,!re is always a s]vice r5d]$ 9 c>+ = & pres]v+ ! prop]ty ( ano!r4 ,x may be v great or x may be v small4 ,x may be s great t no "o w\ld und]take x ?\gh ! prop]ty %\ld be freely giv5 him4 ,9 #ahjj ! ,fai?ful ,/ew>d 0 wreck$ 9 ,delaw>e bay ne> ! %ore4 ,x _h on bo>d a l>ge numb] ( pass5g]s1 emigrants1 :o ne>ly all p]i%$4 ,few lives 7 sav$ & all ! prop]ty 0 lo/4 ,"o "y man1 ( ! k9 ( ! writ]1 swam a%ore ?r\gh ! break]s4 ,be=e he left ! vessel an old man (f]$ him a /ock+ full ( gold if he c>$ to try & save x4 ,?\gh "y & vigor\s he w\ld n und]take to try to save x = x4 ,?is 0 an extreme case ( risk & dang]4 ,9 ano!r extreme case ! s]vice may be v small1 r$uc$ to ! m9imum1 = in/ance1 c>+ = ! gold ( ano!r by lock+ x up 9 a fire & burgl>-pro( safe4 ,= ?is simple s]vice a comp>atively small *>ge is made4 ,b c>+ = ! prop]ty ( ano!r is always "s s]vice t e>ns a rew>d great or small4 ,! nature ( ! s]vice is n *ang$ & ! pr9ciple /ill holds :5 ! deposit is made ) a p]son :o gives ample pl$ges = its full return2 ! pr9ciple /ill holds :5 ! deposit is made 9 a f>m & secur$ !re by mortgage1 mak+ x saf] ?an 9 ! iron vault4 ,! true e?ical pr9ciple1 equity betwe5 man & man1 requires t ! hold] ( ! prop]ty ( ano!r %all be comp5sat$ by ! own] ( ! prop]ty = 8 s]vices 9 c>+ = & pres]v+ x4 ,! am\nt ( comp5sation dep5ds on ! difficult or favorable conditions att5d+ its c>e4 ,^! conditions greatly v>y1 p]haps 9 no two cases are exactly alike1 & s !re c be no fix$ price or rate at :i* "o w receive & c>e = ! prop]ty ( ano!r4 ,! extreme limit ( lib]ality p]mitt$ is t he may c>e = ! prop]ty ( ano!r = no?+4 ,he is n p]mitt$ to pay a price = ! privilege4 ,! reveal$ div9e law1 true e?ics & equity & duty ( self pres]vation =bid him4 ,p]fect pres]vation ( any am\nt1 l>ge or small1 = any "t1 long or %ort1 :atev] ! incid5tal advantages to ! borr[]1 is ! highe/ comp5sation a borr[] is p]mitt$ to give = any loan4 ,! dem& = m ?an ?is by ! own] is to be resi/$ z unju/ & oppressive4 ,an express company receives a package ( money = :i* x receipts & becomes responsible & agrees to deliv] to ! own] at "s di/ant po9t4 ,= ?is s]vice x receives comp5sation 9 accordance ) ! am\nt ( s]vice4 ,if ! conditions are dang]\s & ! di/ance great ! *>ge is l>ge4 ,if ! conditions are v favorable & safe ! *>ges are small4 ,if ! am\nt ( s]vice is r$uc$ to ! m9imum1 9 r>e cases1 no *>ge may be made4 ,b t a price %\ld be paid = ! privilege ( c>+ = & convey+ x1 is inconsi/5t ) ! managem5t ( an hone/ bus9ess4 ,! purpose w\ld be ei!r to rob ! own] ( 8 weal? or to rob ! employes ( _! s]vices4 ,an insurance company und]takes to protect a prop]ty = a t]m ( ye>s1 to a di/ant date4 ,a rate is giv5 = protection f a s+le elem5t1 z fire4 ,if all de/ructive ag5ts are includ$ ! rate is high]4 ,! rate is high] = a long ?an a %ort p]iod4 ,all ! bus9ess _w recognize ! value ( ?is s]vice & ne>ly e k9d ( prop]ty may n[ be insur$4 ,! premium is *e]fully paid by ! own] ( ! prop]ty = ! s]vice r5d]$ him4 ,x is a real & valuable s]vice to h 8 prop]ty protect$1 pres]v$1 or re/or$1 s t x _c be lo/ be=e ! di/ant date4 ,x is conceivable t a prop]ty might be s inde/ructible t ! risk w\ld be practically no?+ & a policy might be issu$ )\t a premium1 b t a price %\ld be paid = ! privilege ( protect+ any prop]ty is utt]ly inconsi/5t ) rational insurance4 ,n[ usury presumes to rev]se ?is e?ical ord] & requires t ! insurance company %all pay ! own] ( ! prop]ty = ! privilege ( protect+ x4 ,"u usury ! prop]ty giv5 into ! c>e ( ano!r1 & call$ a loan1 mu/ be p]fectly protect$ & pres]v$ by ! borr[]1 re/or$ if lo/1 & return$ 9 full to ! own] at ! agre$ di/ant date1 & a price paid = ! privilege ( p]=m+ ! s]vice4 ,! true e?ical pr9ciple & equity 9 ! relations betwe5 ! own] ( a prop]ty & ! "o :o holds1 protects & pres]ves x1 require t ! own] %all r5d] to ! hold] a j comp5sation4 ,?is w v>y 9 diff]5t conditions1 x may be v small1 x may 9 r>e cases be entirely elim9at$2 b !y also utt]ly =bid t ! p>ty r5d]+ ! s]vice %all pay = ! privilege ( s]v+4 ,"o may submit to an inju/ice 9 ord] to ga9 an advantage4 ,he c d bett] = himself by submitt+ ?an by resi/+4 ,8 employ] may be h>d & oppressive b ?is is ! be/ job he c get & he holds on1 b t does n ju/ify ! oppressions ( ! employ] up to ! break+ po9t4 ,x may be to ! advantage ( a borr[] to submit to ! exactions ( usury1 t is1 he may ga9 m weal? by borr[+ ^u int]e/ ?an n1 b t does n relieve usury ( its oppression up to ! break+ po9t :5 x c no long] be endur$4 ,!re is no bett] e?ical basis = l[ int]e/ ?an high int]e/4 ,l[ rates ( int]e/ are oppressions t may be suff]$ or endur$ = a possible ga91 b high rates are intol]able4 ,! pr9ciple is ! same :atev] ! rate ( int]e/1 :e!r x be l[ or high4 ,!y only diff] 9 ! degrees ( _! sev]ity4 ,,*apt] ,,xx4 ,,weal? ,,is ,,b>r54 ,t weal? c produce weal? is ! assumption ( ,%ylock4 ,%ylock--,:5 ,jacob graz$ 8 ,uncle ,laban's %eep-- ,?is ,jacob f our holy ,abraham 0 ,! ?ird possessor2 ay1 he 0 ! ?ird4 ,antonio--,& :at ( him8 ,did he take int]e/8 ,%ylock--,no1 n take int]e/2 n z y w\ld say1 ,directly int]e/4 ,m>k :at ,jacob did4 99 99 99 ,antonio--,?is 0 a v5ture1 sir1 t ,jacob s]v$ =2 ,a ?+ n 9 8 p[] to br+ to pass-- ,b sway$ & fa%ion$ by ! h& ( ,heav54 ,0 ?is ins]t$ to make int]e/ good8 ,or is y\r gold & silv]1 ewes & rams8 ,%ylock--,i c n tell2 ,i make !m bre$ z fa/4 --,m]*ant ( ,v5ice4 ,x is only intellig5t en]gy t c produce weal?4 ,ev5 ! natural res\rces mu/ be subdu$ & %ap$ by intellig5t en]gy to be ( s]vice to man4 ,trees d n betake !mselves into ! =m ( h\ses4 ,l& does n trans=m itself into f>ms & g>d5s4 ,coal does n come to our fires )\t h&s4 ,ore is n iron1 nor is clay pott]y4 ,!y mu/ be c>efully manipulat$ by ! intellig5t labor]4 ,no?+ man c make has ! p[] ( self propagation4 ,all weal? is z b>r5 z silv] & gold1 ?\gh ,%ylock claim$ he c\ld make !m bre$ l ewes & rams4 ,life alone is productive1 & ! secrets ( life man has n t\*$4 ,a tree or animal gr[s by ! life t is 9 x1 b ! accretions ( weal? are f ! ef=ts ( intellig5t en]gy outside ( itself4 ,weal? is an effect1 a result4 ,! vital en]gy ( a p]son1 ( a will+ intellig5t be+ produces weal?1 b x does n foll[ t x has ! qualities ( its cause4 ,x has no intellig5ce1 nor has x self-det]m9+ p[]1 nor is x vital1 nor has x en]gy1 x has n 9 itself ! =ce to ov]come its in]tia1 ! en]gy mu/ be appli$4 ,x has no p[] to increase or gr[4 ,a =tune is built1 z a build+ is built1 brick aft] brick is add$ by intellig5t h&s4 ,all weal? mu/ h ! liv+ h&s appli$ to cause x to increase ev5 ! smalle/ am\nt4 ,!re is no su* ?+ z productive capital4 ,x is s call$ :5 x is us$ to ga!r & appropriate ! e>n+s ( o!rs1 b weal? 9 none ( its =ms has ! quality or p[] ( produc+4 ,money1 ! mo/ famili> =m1 is b>r54 ,a bag ( doll>s /or$ = ages w n h increas$ a s+le co94 ,no "o holds or h&les money on ! assumption t x w increase 9 8 h&s4 ,money is a c>e1 & ! brok] :o holds or h&les x relies = 8 comp5sation1 n on ! increase ( ! doll>s 9 8 h&s1 b on ! increase f "s produc] to :om he l5ds x4 ,if !re is no borr[] he takes a direct commission f ! am\nt itself1 z tru/ee or adm9i/rator or cu/odian4 ,money is readily ex*ang$ = any o!r prop]ty4 ,money has a numb] ( functions b 9 ex*ange x is a m$ium by :i* ! value ( articles is convey$4 ,x takes ! place ( ! bags :i* convey$ ! :eat1 ( ! crates :i* conta9$ ! potatoes1 ( ! baskets :i* c>ri$ ! pea*es1 & ! wrapp+ :i* held ! cotton or ! wool4 ,col4 ,iri%1 :o 0 *ief ( ! ,bureau ( ,engrav+ & ,pr9t+ at ,wa%+ton1 :5 he di$1 & "u ^: adm9i/ration ! pres5t build+ 0 erect$1 at "o "t s5t to ! wife ( ! writ] a t5 doll> bill1 wrapp$ up s t x look$ l a picture1 cab9et size2 ?is 0 accompani$ by a note1 to be op5$ fir/4 ,9 ?is note he said he took pleasure 9 s5d+ h] an excell5t lik5ess ( our late lam5t$ presid5t1 :i* he w\ld be pleas$ to h h] accept4 ,if %e %\ld pref] x 9 "s o!r =m1 x 0 a peculi>ity ( ?is lik5ess t x w\ld *ange in/antly at ! w ( ! hold] into any =m desir$2 t ?is 0 ! peculi>ity t tr\bl$ him1 z he _h be5 unable to decide :at w\ld please h] be/1 & _h f9ally decid$ to s5d x 9 ?is =m1 & let h] *ange x into any o!r %e might l bett]4 ,money is a peculi> m$ium :i* w hold & c>ry ! value ( any?+4 ,y p\r 9 y\r :eat & take x to ! m]*ant1 :o empties y\r :eat & fills x ) clo!s1 he c>ries x to ! deal] 9 any article ne$$ & ! vessel is in/antly empti$ & refill$4 ,! values ( ! products ( labor]s 9 ! v>i\s occupations ( life or ! products ( ! v>i\s climates are ?us readily ex*ang$ by money1 b ! ga9 is n 9 ! money4 ,! art 9 trade is to /udy & "k ! products & ne$s ( ! labor]s ( "o class or c\ntry1 & ! v>i$ products & ne$s ( ! produc]s ( ano!r class or local community4 ,! skill 9 trade is 9 supply+ ! ne$s ( "o f ! products ( ! o!r4 ,! pr(it 9 trade is ! ga9 f secur+ = an article a great] portion ( ! product ( ^? ^: ne$s are suppli$1 ?an 0 giv5 to ^? :o produc$ x4 ,! h>ve/] co/ ! manufactur] tw5ty days' "w4 ,! f>m]1 :o ne$s & pur*ases x1 pays =ty days' "w = x4 ,! f>m] may produce "o hundr$ bu%els ( :eat ) tw5ty-five days' "w1 b ! me*anics 9 ! city1 :o ne$ x = bread1 may give twice t am\nt ( labor = t quantity ( :eat4 ,!re is a wide field = skill & pr(it 9 trade1 :5 ! products & ne$s ( all classes & all l&s are consid]$4 ,b money does n add to weal? 9 trade4 ,!re is no?+ produc$ by x 9 trade4 ,x is b ! tool by :i* values are convey$1 & no m productive ?an baskets or crates or sacks4 ,intellig5t en]gy produces all ! pr(its t are secur$ by trad+4 ,mod]n apologi/s = usury1 kn[+ t money is unproductive itself1 call x a tool = production1 & z x c be readily trans=m$ into any tool1 !y try to avoid ! logical conclusion t ! tak+ ( int]e/ on money is unju/ & oppressive to ! produc]4 ,b no tool is productive4 ,all tools are b ! rea*+ out ( man = ! bett] control & ma/]y ( mat]ial ?+s4 ,! tool is b dead matt]2 ! productive effici5cy is 9 ! vital en]gy ( ! intellig5t labor]4 ,! mo/ complicat$ & +5i\s tool ev] made is useless )\t ! op]ator4 ,x is z helpless z ! wire )\t ! electric curr5t2 z helpless z ! body )\t its life1 = ! body is b man's tool1 pres]v$1 & kept effici5t1 & made productive1 by ! liv+ en]gy alone4 ,tools are b ! rea*+ out ( ! vital en]gy beyond ! body4 ,tools are b ! means1 inv5t$ & con/ruct$1 by :i* ! man c ov]come 8 physical limitations & accompli% wond]s1 ! impossible to a creature want+ 9 8 intellig5ce4 ,^! glasses enable dim eyes to see cle>ly4 ,!re is no ability 9 ! glasses to see2 !y w\ld be ( no use on bl9d eyes4 ,i see1 ^! spectacles _c see4 ,enl>ge & s place ^! l5ses t ,i c see bact]ia1 or ! m\nta9s ( ! moon1 yet ?is microscope or ?is telescope has no m life nor sight ?an ?is s+le l5s4 ,i1 ) x1 see ! m9ute creation or exam9e ! di/ant planet4 ,x is b ! ext5sion ( my eye4 ,?is p5 & pap] & ?is book are b ! means by :i* ,i rea* & reason ) my fell[-m54 ,!y are b my tools to convey my ?\ght4 ,i am reason+ ) y1 n ?is pap] & ink4 ,my h& is ! natural tool ) :i* ,i labor4 ,i may "w 9 ! g>d5 & plant ! se$ & de/roy ! we$s ) my h& alone1 & !re is no dispute b t ,i d ! "w4 ,i take a small we$] 9 my h& & greatly increase my effici5cy4 ,i take a hoe & rea* out fur!r & greatly add to my effici5cy4 ,i am ! effici5t ag5t4 ,!re is no p[] 9 ! we$] or ! hoe4 ,i take my pl[1 z my tool1 & ,i te> up ! soil & prep>e x = my h>ve/4 ,i take ! complicat$ h>ve/] & ga!r x into my b>n4 ,9 e "p ( t process ! tool is b ! rea*+ out ( my en]gy beyond my body4 ,!re is no place :]e t tool becomes vitaliz$ & productive4 ,i am a port]1 ,i c>ry packages 9 my h&s4 ,to increase my effici5cy ,i build me a c>t1 & smoo? a roadway1 by :i* ,i am able to c>ry m & heavi] packages ) ease4 ,i con/ruct a roadway across ! cont95t1 & ) ! p[] :i* ,i employ ,i c>ry ! comm]ce ( ! nation4 ,i build %ips & direct !m f cont95t to cont95t & h&le ! comm]ce ( ! _w4 ,n[ !re is no place f ?is simple c>riage 9 ! h&1 to ! complicat$ & /up5d\s sy/em ( transportation1 :]e ! tool is n :olly dep5d5t on ! vital intellig5t en]gy4 ,:5 ! vital pr9ciple leaves ?is body1 !n h&s1 eyes & ! :ole body is helpless4 ,)draw ! vital en]gy f ^! means by :i* man ext5ds 8 p[] beyond ! body1 & all ! implem5ts ( agriculture w n produce a h>ve/1 & ! :eels ( comm]ce on l& & sea w\ld in/antly /op4 ,!re is no place 9 ! mo/ complicat$ ma*9e :]e x beg9s to produce4 ,! ma*9e may %[ ! greate/ +5uity 9 its inv5tion & ! p]fection ( skill 9 its con/ruction1 & ! intellig5ce necess>y to its op]ation may be r$uc$ to ! m9imum1 yet no :]e & at no "t c x produce ( itself4 ,:5 a crim9al is arraign$ 9 c\rt ! responsibility is plac$ ^u ! p]son1 ! intellig5t en]gy1 always4 ,x matt]s n by :at tools ! burgl>y or o!r crim9al act 0 committ$4 ,! man :o h&l$ ! tools is held acc\ntable = ! results4 ,8 tools may %[ ! greate/ +5uity & ! highe/ skill 9 _! con/ruction b !y d n %>e 8 guilt4 ,he is ! effici5t & responsible cause4 ,if ?is 7 n s ju/ice c\ld be s p]v]t$ t ! pres]vation ( ! ord] & ! security ( society w\ld be impossible4 ,e tool is itself produc$1 & its mak] mu/ be rew>d$ or paid once1 b !re ! claim = ! tool ends4 ,! labor] :o con/ructs ! ma*9e _c dem& repaym5t ov] & ov]4 ,! skill$ me*anic :o produc$ ?is pair ( l5ses mu/ be paid1 b he has no claim = second paym5t4 ,to secure repaym5t he mu/ make ano!r pair4 ,! mak] ( ?is p5 & ?is pap] mu/ be paid1 b t ends 8 claim4 ,! mak] ( ! hoe or c>t or eng9e mu/ h ! rew>d he has e>n$1 b c pref] no second claim4 ,!re is no "q :5 ! labor] makes & owns 8 own tool4 ,! labor ( con/ruct+ ! tool mu/ be rew>d$ z well z ! labor] 9 its op]ation4 ,:5 ! tools are complicat$ & require ! skill ( _m1 ! mak]s ( ! ma*9e are usually diff]5t p]sons f ! labor]s :o op]ate x4 ,9 ?is case ! paym5t ( all mu/ come f ! f9i%$ product4 ,^? :o con/ruct$ ! ma*9e & ^? :o op]ate x mu/ be paid by ! consum]s4 ,if ! %oe plant is built & op]at$1 !n f ! %oes produc$ mu/ come ! paym5t = all4 ,! workm5 :o built ! plant & ! eng9es & ma*9]y = ! manufacture ( ! diff]5t p>ts ( ! %oe1 mu/ be paid by ! consum] ( %oes4 ,! workm5 :o built ! plant mu/ be z fully comp5sat$ z ^? :o op]ate x1 b be+ comp5sat$1 !y h no claim = recomp5sation = ! same "w4 ,to be paid aga9 !y mu/ build a new plant4 ,! op]ators mu/ be comp5sat$ = e %oe !y make1 b !y c n reclaim paym5t ov] & ov] aga94 ,to receive m pay !y mu/ make m %oes4 ,bo? classes ( labor]s h a "r to full comp5sation = all ! labor p]=m$4 ,nei!r p>ty has a "r to dem& a second paym5t = ! same labor4 ,x w\ld be manife/ly z unju/ = ! con/ructors ( ! plant to compel ! op]ators to pay !m ov] & ov] aga91 z x w\ld be = ! op]ators ( ! ma*9e1 hav+ suppli$ ! community ) %oes1 to dem& paym5t ov] & ov] )\t mak+ ano!r %oe4 ,! %oes w we> out1 s w ! ma*9es4 ,x is z unreasonable = ! fir/ class ( labor]s to compel ! op]ators ( _! ma*9]y to keep ! same 9 repair1 z = ! op]ators to compel _! cu/om]s to keep _! %oes 9 p]fect condition4 ,= ! fir/ labor]s to receive a new paym5t !y mu/ build a new plant1 & = ! op]ators to receive a new paym5t !y mu/ make new %oes4 ,! confusion ( ideas comes 9 :5 !re int]v5es a ?ird p>ty betwe5 ^! two classes ( labor]s4 ,?is ?ird p>ty meets ! dem&s ( ! class ( labor]s :o build ! plant & ma*9es1 f ho>d$ weal?1 & !n exacts paym5t f ^? :o op]ate x4 ,?is is !n call$ productive capital1 b x is no m productive ?an ! money 9 ! bank vault4 ,! produc+1 s call$1 is b ! exact+ ( a "p ( t :i* ! op]ators produce4 ,x is ! exact+ ( paym5t t nev] pays4 ,! op]ators are compell$ to be =ev] buy+1 yet ! plant is nev] b\ght4 ,! capitali/ is =ev] sell+1 yet ! plant is nev] sold4 ,usually1 ! usur] is a f\r? p>ty t /&s yet beh9d ! ?ird p>ty1 tak+ no risks1 dem&+ complete security = 8 loan & also an increase out ( ! products ( ! op]ators4 ,! ?ird p>ty assumes all c>e & gu>antees aga9/ all losses & dep5ds = 8 comp5sation on a portion ( ! product aft] ! dem&s ( ! f\r? p>ty are satisfi$4 ,?is ?ird p>ty may be an active produc]4 ,all t he receives may be fully e>n$ 9 c>e1 ov]sight & managem5t ( ! bus9ess ( ! plant4 ,b ! f\r? p>ty c h no claim = 8 s]vices1 he has no "p 9 ! production4 ,! absurdity1 ! figm5t t 8 capital is productive1 is introduc$ to cov] ! evid5t fraud ( appropriat+1 )\t comp5sation1 a portion ( ! products ( ! op]ators4 ,he has no m claim to an increase ( 8 capital ye> by ye> & a d\bl+ 9 a t]m ( ye>s1 ?an ! labor]s :o built x h to ! same plant1 p]fect & unworn at ! end ( a t]m1 & 9 addition1 ano!r plant equal 9 e respect4 ,!y built b "o1 !y h no claim ^u a second4 ,= ! usur]1 :o takes _! place1 to d\ble 8 weal?1 & yet ! debt be undis*>g$1 is a flagrant fraud4 ,! und]ly+ falsehood is t weal? *anges its nature :5 put 9 ! h&s ( a live man & becomes productive4 ,x is ackn[l$g$ t weal? ly+ 9 ! vault is b>r5 & at ! same "t x is claim$ t x produces 9 ! h&s ( an intellig5t ag5t4 ,b x is ! same dead1 helpless1 b>r5 ?+ :]ev] x may be f\nd & :atev] =m x may be made to take4 ,! doll> tak5 f ! vault & ex*ang$ = a hoe does n receive ?is new quality4 ,! hoe is z dead z ! doll>4 ,:5 ?is hoe is 9 ! h&s ( ! workman x is ! same b>r5 ?+ is 0 be=e he pick$ x up4 ,^! glasses are precisely ! same :5 a/ride my nose z :5 ly+ on ! table4 ,x is n true t weal? 9 any =m1 ?\gh x be t ( a useful tool1 takes on ?is new quality or attribute :5 9 ! h&s ( a live man4 ,a man's labor is m productive ) suitable tools ?an )\t !m4 ,! same en]gy w secure f> great] returns4 ,if x 7 n s he w\ld n tr\ble to make tools or use !m4 ,b to call tools productive ag5ts & s rew>d !m is to rob intellig5t en]gy1 skill & inv5tive g5ius ( t :i* !y alone c produce4 ,?is degrades ! man to ! level ( ! tool or exalts ! tool to ! height ( its mak]4 ,,*apt] ,,xxi4 ,,weal? ,,decays4 ,all man-made weal? is subject to inevitable decay4 ,ari/otle said1 ,labor produces all weal?1 b ! product has no soon] left ! labor]'s h&s ?an x beg9s to p]i%4 ,! vital en]gy t produc$ x mu/ foll[ to pres]ve x f ! ravages ( "t4 ,take ! life1 ! vital "p1 f ! body1 & corruption beg9s4 ,s ) all t has be5 produc$1 )draw ! vital =ce & ru9 imm$iately foll[s4 ,! vital en]gy mu/ ev] be pres5t & active to pres]ve x4 ,fruits & gra9s & provisions ( all k9ds = human food rapidly p]i%4 ,! labor] mu/ be cont9ually active1 produc+ & pres]v+1 or ! race w\ld be />v+ 9 a =tnight4 ,ev5 ! miracul\sly be/[$ manna became corrupt 9 a night4 ,x _h to be ga!r$ day by day4 ,flocks & h]ds ne$ ! %eph]d's c>e4 ,!y are subject to disease & natural enemies & are %ort liv$1 s t h[ev] l>ge & /rong1 & heal?y ! h]d ( cattle1 or ! flock ( %eep1 x w\ld be soon scatt]$ & lo/ to ! own] )\t wat*ful c>e4 ,tools & in/rum5ts ( production1 great or small1 if us$1 soon ne$ to be r5ew$1 or if unus$ p]i% ev5 soon]4 ,neglect$ !y spe$ily decay4 ,! locomotive left unatt5d$ on ! track w\ld soon be utt]ly useless f ! de/ructive elem5ts ( ra9 & heat1 fro/s & sun%9e4 ,! palace1 t floats on ! ocean1 w\ld be a prey to b>nacles1 to w9ds & waves1 to %oals & rocks1 & w\ld soon disappe>1 )\t ! con/ant h& ( intellig5t vital en]gy to direct & pres]ve x4 ,h\ses unt5ant$ & unc>$ = soon decay4 ,leaks un/opp$1 brok5 w9d[s unrepair$1 & v]m9 unre/ra9$1 soon make !m unfit = habitation4 ,f>ms & plantations g back spe$ily to we$s & wild]ness :5 uncultivat$4 ,great cities l ,babylon & ,n9eveh are soon s cov]$ ) du/ t we h to dig to f9d _! ru9s4 ,decay is writt5 ov] e =m ( man-made weal?4 ,!re is ne$$ con/antly ! t\* ( ! labor] = its pres]vation4 ,gold1 silv] & preci\s /ones are ! lea/ subject to decay4 ,!y are n1 h[ev]1 made1 b f\nd1 & simply ref9$ & poli%$4 ,! inde/ructibility ( silv] & gold h made !m ! money metals ( ! _w1 q z mu* z _! r>ity1 _! beauty & malleability4 ,9 !m weal? c\ld be /or$ & mo? & ru/ w\ld n corrupt4 ,b ev5 gold & silv] w disappe>4 ,! ?ief w break ?r\gh & /eal4 ,!y mu/ be1 !re=e1 c>efully gu>d$4 ,! tax or levy ( ! gov]nm5t = its "p 9 ! protection mu/ be met1 s t ev5 gold & silv] mu/ also gradually slip away4 ,decay is ^u all weal? & ! h& ( ! labor] mu/ be ev] pres5t = its pres]vation4 ,?is law is univ]sal4 ,ev5 ! ,div9e ,creator mu/ cont9ue to uphold 8 creation4 ,8 su/a9+ h& _c be )drawn4 ,he mu/ pres]ve by 8 p[] & ev] guide & direct1 or disord] & *aos w ensue4 ,usury or int]e/ presumes to ignore ?is ord] ( nature & dem&s n only t ! borr[] %all resi/ ?is t5d5cy ( capital to decay1 b %all also pay a price = ! privilege4 ,t any "o %\ld und]take to c>e = & pres]ve ! prop]ty ( ano!r )\t comp5sation is unreasonable1 b t any "o %\ld volunt>ily pay a premium = ! privilege c only be expla9$ by misguid$ judgm5t or a p]v]t$ moral s5se4 ,no "o w\ld be responsible =1 & c>e = & pay tax ^u ! money ( ano!r & himself get f x no return4 ,tru/ees & adm9i/rators receive1 & feel !y e>n1 a commission = ?is c>+ = ! prop]ty ( o!rs4 ,:5 ?is weal? is 9 ! =m ( a tool1 or manufactur+ plant1 ! responsibility is great]4 ,! own] asks t x be pres]v$ p]fectly4 ,!re mu/ be no decl9e 9 value1 f new improv$ ma*9]y1 & all accid5ts mu/ be made good2 if de/roy$ by fire1 x mu/ be rebuilt4 ,to take ?is = a ye> or t]m ( ye>s1 is a responsibility no "o w\ld feel ju/ifi$ 9 assum+ 9 ju/ice to himself4 ,he w\ld be us+ 8 own vital =ce to pres]ve ! p]i%able prop]ty ( ano!r4 ,a man has a f>m1 f]tile & well improv$1 & well /ock$4 ,he is to be abs5t = a "t4 ,he asks z a favor t ano!r wat* x ) c>e1 pres]ve ! /ock 9 condition1 if any die1 replace !m1 & 9 %ort1 s pres]ve t he %all h ! f>m at 8 return1 j z f]tile1 ! /ock j z "y & valuable1 ! implem5ts unworn & no signs ( decay on ! build+s2 if any burn1 rebuild !m4 ,?is w\ld be a favor only ! k9de/ & weake/ ( neighbors or fri5ds w\ld und]take1 & :at no man w\ld be ju/ifi$ 9 ask+ ( ano!r4 ,?is is loan+ )\t int]e/ & ?is is ! borr[]1 :o pays only ! pr9cipal & no increase4 ,! usur] says1 ,c>e = my prop]ty & pay me = ! opportunity4 ,keep x intact4 ,make good e loss & return to me an increase :i* y by y\r en]gy & ef=t may produce4 ,! rates ( int]e/ greatly v>y4 ,! av]age 9 ! ,unit$ ,/ates is ab\t sev5 p] c5t41 by /ati/ics ( ! gov]nm5t only rec5tly issu$4 ,at sev5 p] c5t41 int]e/ paid annually or add$ to debt = t5 ye>s1 ! debt is d\bl$4 ,! usur] or int]e/ tak] says1 ,y take ?is hundr$ doll>s & c>e = x = me = t5 ye>s & !n br+ me two hundr$ doll>s4 ,take ?is :eat & ?is corn & 9 t5 ye>s br+ me back j twice ! am\nt4 ,take ^! horses & ^! %eep & cattle & c>e = !m = t5 ye>s & return !m j z good z !y are n[1 & o!r horses1 cattle & %eep 9 equal numb]1 :i* y h produc$ 9 ^! t5 ye>s4 ,take ?is %op ) all its tools & implem5ts & c>e = x s t 9 t5 ye>s y c return x to me 9 z p]fect ord] z n[1 & also build me ) y\r labor & en]gy ano!r %op1 j l x1 & equip x 9 e way j z complete z ?is1 & on my return give bo? to me4 ,take ?is f>m1 f]tile z x is1 ) its build+s & animals & implem5ts1 & pres]ve !m p]fectly1 n a ?+ %all decay or decl9e 9 value2 make good e loss1 & at ! end ( t5 ye>s return x to me & also ano!r f>m :i* y h e>n$ dur+ ^! t5 ye>s1 ( equal acreage & f]tility1 equally improv$ ) live /ock & implem5ts4 ,! usur] ga9s ! pres]vation ( 8 own p]i%able prop]ty1 & he ga9s also ! product ( ! vital =ce ( 8 victim4 ,?is law ( decay is a natural limitation to ! accumulation ( any produc]4 ,z decay beg9s at once1 a "p ( ! vital en]gy mu/ be exp5d$ 9 ! pres]vation ( t already produc$4 ,z ! accumulations increase1 m en]gy is requir$ = its pres]vation1 & less rema9s = active production4 ,"t does n relax 8 "w ( ru91 & ! resi/+ en]gy mu/ be con/ant4 ,! t5d5cy to decay is su* t soon ! en]gy requir$ to pres]ve t already ga9$ leaves none to produce1 & ! accumulations mu/ cease4 ,to ?is po9t ! ri* fool 9 ! p>able _h come4 ,he _h abundance accumulat$ & ! problem 0 to pres]ve x1 until he c\ld consume x4 ,?is w ,i d1 ,i w pull d[n my b>ns1 & build great]2 & !re w ,i be/[ all my fruits & my goods4 ,& ,i w say to my s\l1 ,s\l1 ?\ ha/ mu* goods laid up = _m ye>s2 take ?9e ease1 eat1 dr9k1 & be m]ry4 ,! usur] h&s 8 goods to ano!r to build ! b>ns & keep = him1 :ile he is free f its c>e2 &1 m1 he requires ( 8 victim n only t he %all pres]ve1 resi/+ all decay1 b t he %all actually pay him = ! privilege4 ,_h ! ri* fool n liv$ 9 8 day1 :5 usury 0 a crime1 b 9 ?is age ( folly1 he w\ld h apportion$ 8 goods among 8 fooli%] neighbors ^u int]e/1 to keep = him1 & !n n only he1 = _m ye>s1 b 8 po/]ity =ev]1 c\ld be at ease1 eat+1 dr9k+1 & mak+ m]ry4 ,! silly borr[]s w\ld supply all ! ne$s ( 8 end[$ family1 = ! privilege ( c>+ = ! goods4 ,,*apt] ,,xxii4 ,,! ,,debt ,,habit4 ,! debt habit ( m9d is ! disposition or t5d5cy to look to ?+s we h n z necess>y to our success3 ,to ye>n = o!r opportunities & o!r means ?an ^? we h 9 our h&s3 ,to feel helpless )\t !m & will+ to incur debt to secure !m4 ,! indep5d5t1 self-reliant disposition takes acc\nt ( its own p[]s & opportunities & means1 & plans ) ^! to accompli% ! v mo/4 ,?is old self-reliant1 indep5d5t _s1 t scorn$ debt1 has l>gely pass$ away4 ,to incur debt is n[ ! common habit & has become respectable4 ,all evil-do]s enc\rage & /imulate ! p>ticul> fa%ion or habit or appetite or passion on :i* !y ?rive4 ,usury ?rives on debt4 ,if no "o 0 9 debt !n usur]s w\ld be h>mless4 ,x is ?is debt habit t gives !m ! l>ge field = _! op]ations & secures to !m _! h>ve/4 ,! agreem5t to pay int]e/ pres]ves = a "t ! feel+ ( indep5d5ce t w\ld be w\nd$ by receiv+ a loan z a favor4 ,!re is usually a feel+ ( joy & elation 9 ! borr[] t confid5ce 9 him is s great1 & 8 cr$it is s high1 t he c be entru/$ ) a loan4 ,by incurr+ a debt !re seems to promise ! op5+ up ( opportunities t h be5 d5i$1 & a possible field = ! successful ex]tion ( 8 p5t up en]gies4 ,! pres5t int5d$ use ( ! loan1 too1 seems s attractive & pr(itable1 & ! buoyant1 hopeful _s does n d\bt t ! loan c be easily & promptly repaid4 ,! temptations to debt d n come to ! vici\s & idle & wor?less1 b to ! mo/ wor?y1 indu/ri\s1 tal5t$1 reliable & ent]pris+1 ^? :o w be ! mo/ productive 9 _! fields ( ef=t4 ,its v approa* is flatt]+ & !re=e s h>d to resi/4 ,a bright1 intellig5t1 noble "y man ) high aims & wor?y purposes ye>ns = an education1 b ! opportunities seem to be d5i$ him2 b !re is a fund at l[ int]e/ at 8 s]vice4 ,a lively1 en]getic "y man1 ) indu/ri\s & economical habits1 is anxi\s to engage 9 bus9ess2 8 y\?1 "* & en]gy br+ ! loan to 8 feet4 ,! "y man ) pure ye>n+ = dome/ic life & a home1 ) a reputation t is above reproa* & ( comm5dable en]gy & ?rift1 has a home press$ ^u him1 to be paid = 9 long-"t paym5ts4 ,he c fill x ) furniture on ! in/allm5t plan4 ,) intellectual ta/e1 he c fill 8 libr>y ) j ! books he desires on ! in/allm5t plan4 ,is he musical 9 8 ta/e1 he c fill 8 p>lor ) musical in/rum5ts on ! in/allm5t plan4 ,8 ne$s & ta/es c all be gratifi$ at once by incurr+ debt4 ,to avoid debt !re mu/ be a det]m9$ & unremitt$ ef=t to resi/4 ,few h be5 able to escape4 ,! aggregate ( private indebt$ness c n be told4 ,few manufactur+ plants are free f debt4 ,!y are usually c>ry+ all ! load _! cr$it enables !m to secure4 ,railroads & o!r corporations are "u bond$ debts t tax _! trade to ! utmo/ to su/a94 ,c\nties & municipalities h caught ! contagi\s habit4 ,bonds are issu$ to build s*ool h\ses1 t[n halls1 viaducts1 wat]-works1 & pave /reets4 ,!re lies on ?is table a li/ ( all ! cities 9 ?is great l&1 ! ,unit$ ,/ates1 ) _! numb] ( inhabitants & _! bond$ debts4 ,!re are b six small cities 9 ! long li/ )\t debt4 ,9 "s ! am\nt is enorm\s1 ! city debt 9 cases runn+ up to "o hundr$ & "o hundr$ & fifty1 & two hundr$ doll>s p] inhabitant4 ,t is1 !re is a city debt on ea* man1 woman & *ild ( two hundr$ doll>s4 ,on ?is am\nt int]e/ mu/ be paid1 twelve doll>s p] ye>1 "o doll> p] mon? = e man1 woman & *ild4 ,!re lies also on ! table a report ( ! f9ancial condition ( ! ne>e/ great city4 ,x is r5d]$ 9 a *e]ful mood & decl>es ! city's cr$it tip top4 ,! indebt$ness is eight millions1 b ! assess$ valuation ( ! city is s high t two million m bonds c be issu$ be=e ! limit ( indebt$ness is rea*$ z e/abli%$ by ! g5]al law4 ,?is is reg>d$ z a mo/ favorable %[+ & ! assurance is giv5 t all ! contemplat$ public improvem5ts c be pu%$ )\t int]ruption4 ,!re is no ?\ght ( /opp+ until ! extreme limit is rea*$4 ,?is habit ext5ds to ! *ur*es & b5evol5t ent]prises4 ,!re is sc>cely a *ur* t is n pay+ int]e/ on "s debt4 ,local societies are (t5 greatly h9d]$ 9 _! "w4 ,a b5evol5t ag5cy ( "o ( ! l>ge/ & ri*e/ d5om9ations issu$ a pite\s appeal to _! con/itu5ts = help1 decl>+ t ! int]e/ on _! debts am\nt$ to "o ?\s& doll>s p] week4 ,! debt habit has seiz$ ! nations & ! mo/ enlight5$4 ,?is is s true t debts are1 9 pleasantry1 spok5 ( z a sign ( a nation's progress4 ,^! aggregate billions are rapidly increas+4 ,! ,*ancellor ( ! ,ex*equ] says ! debt ( ,engl& 0 r$uc$ five hundr$ millions 9 tw5ty ye>s4 ,to ! a/oni%m5t ( all ! _w1 ! ,unit$ ,/ates began to pay h] debt1 eighte5 hundr$ million1 9 ?irty ye>s4 ,b ^! /& alone among ! nations4 ,! national debts d n gr[ less1 b are rapidly increas+4 ,bo? ! ,unit$ ,/ates & ,engl& are n[ increas+ _! indebt$ness ea* ye>4 ,! _w has gone debt mad4 ,x has become a great h>ve/ field1 ripe = ! usur]s4 ,debts may at times be unavoidable4 ,!y may at times be positively b5eficial4 ,!re may be times :5 ! sy/em is 9 su* a condition t x is necess>y to take ars5ic 9 small doses1 b ars5ic has no place 9 ! m5u ( a heal?y man4 ,s debts may be necess>y to ^? :o h fall5 into decay or h be5 un=tunate1 b !y %\ld f9d no place 9 ! normally heal?y f9ancial conditions ( an individual or incorporation or nation4 ,debts make no man ! ri*]4 ,a man is no ri*] :5 he has secur$ a loan1 ?an he 0 be=e4 ,pay+ debts makes no man poor]4 ,he b relieves himself ( ! prop]ty ( ano!r4 ,pay+ a national debt de/roys no weal?4 ,if ow$ at home1 x is b a transf] f "o h& or pocket to ano!r4 ,adju/+ ! _w's debts1 private1 corporate1 municipal1 or national1 ! _w w\ld rema9 z ri* & productive4 ,n a mat]ial ?+ w\ld p]i%4 ,no man w\ld suff] ! loss ( any "r or ( any prop]ty1 b x w\ld be ! de/ruction ( ! device by :i* ! usur]s appropriate to !mselves ! productions ( o!rs4 ,fre$ f ?is debt habit ( m9d1 & ! indep5d5t1 self-reliant disposition replac$1 ?is anomal\s condition w\ld disappe>2 ! produc] w\ld receive aga9 8 full e>n+s & ! great army ( p>asites1 t has gr[n up1 & t fe$ s ri*ly on ! labors ( o!rs1 w\ld be compell$ to turn produc]s or p]i%4 ,,*apt] ,,xxiii4 ,,! ,,borr[] ,,is ,,s]vant ,,to ,,! ,,l5d]4 ,solomon's decl>ation t1 ,! borr[] is s]vant to ! l5d]1 0 spok5 )\t ref]5ce to usury4 ,loan+ ^u increase 0 n lawful 9 8 day1 & 0 condemn$ by him 9 8 prov]b1 ,he t by usury & unju/ ga9 increase? 8 sub/ance1 he %all ga!r x = him t w h pity on ! poor4 ,a loan b9ds ! borr[] to ! l5d] ?\gh he pay no increase4 ,!re comes a s5se ( subs]vi5cy & subord9ation t c n be ?r[n (f4 ,he becomes /ew>d ( ano!r's goods1 & frees ! own] ( _! c>e1 b !y rema9 subject to ! own]'s ord]4 ,! pres]vation ( goods h9d] any great accumulation by any s+le produc]1 b if he c be fre$ f its c>e1 !n all 8 en]gies c be us$ to cont9ue production4 ,_m f9d x z h>d to keep prop]ty z x is to e>n x4 ,! hunt] or fi%]man takes ) him 8 lackey to c>ry 8 game4 ,if game is pl5tiful & ! hunt] successful1 he w\ld1 o!rwise1 soon be compell$ to discont9ue 8 hunt f ! burd5 ( fi% & game4 ,b1 fre$ f t c>e & burd51 he c cont9ue 8 hunt indef9itely4 ,s1 ! borr[]1 ev5 :5 he pays no int]e/1 z a lackey1 )\t wages1 c>es = ! e>n+s ( ! l5d]1 leav+ him free to cont9ue 8 e>n+ unh9d]$4 ,a valet c>es = ! clo!s ( 8 ma/] until he calls = !m4 ,! borr[]1 )\t int]e/1 z a valet1 )\t pay1 c>es = ! goods ( ! l5d] until he ne$s !m4 ,! indep5d5t _s ( ! borr[] is n imm$iately lo/4 ,! s]vile _s & consci\s s5se ( bondage may n be felt at once4 ,likely ! fir/ s5sation on receiv+ a loan is an elation bord]+ on ec/asy4 ,! poor man :o is (f]$ a loan is usually greatly delight$4 ,!re is hope ( relief f ! limitations & re/ra9ts t h be5 z a wall r\nd ab\t him4 ,! loan seems to ?r[ d[n ^! walls & give him an opportunity to secure great] results & a*ieve success4 ,b ! delight is transi5t & ! s5se ( great] lib]ty is brief4 ,! prison walls are d[n1 b ! debt holds him l a ball & *a94 ,he has only ex*ang$ "o re/ra9t = ano!r worse2 he has leap$ f ! pan into ! fire4 ,! _s loses its hopefulness & indep5d5ce & becomes s]vile & cr++4 ,milton repres5ts our fir/ p>5ts1 aft] _! fir/ s91 z intoxicat$ 9 delight1 b ! consci\sness ( _! degradation & %ame soon foll[$4 ,s ! fir/ s5sation f a loan is ( relief & hope2 ! future looks bright1 b ! s5se ( subjection to ! l5d] is sure to foll[4 ,he =feits ! free1 indep5d5t1 self-reliant _s t scorns dep5d5ce ^u any man4 ,he only looks ! :ole _w 9 ! face1 :o owes no man a c5t4 ,,*apt] ,,xxiv4 ,,usury ,,enslaves ,,! ,,borr[]4 ,timon ( ,a!ns said1 ,no usur]1 b has a fool = a slave4 ,! borr[] )\t usury loses 8 free & indep5d5t _s & becomes cr++ & s]vile1 b :5 int]e/ is paid x increases ! sev]ity ( ! s]vile s]vice4 ,! lackey mu/ n only c>e = ! game tak51 b he mu/ add to ! bag f 8 own hunt+4 ,he n only c>es = ! fi% 8 ma/] caught b mu/ add to ! basket f 8 own cat*+4 ,! valet mu/ n only p]fectly pres]ve ! clo!s ( 8 ma/]1 b mu/ add to 8 w>drobe4 ,! borr[] ( ! usur] mu/ protect & pres]ve e f>?+ 9 value ( ! prop]ty or goods1 & mu/ also increase ! am\nt4 ,! e/imate put ^u ! m5tal condition ( ! p]son :o w submit to su* an imposition1 by ,timon ( ,a!ns1 mu/ be admitt$ z fairly j1 = a hea!n4 ,f ! almo/ univ]sal practice ( usury1 & ! va/ numb]s enslav$1 we mu/ also admit t ,solomon1 ! wise/ man t ev] liv$1 knew :at he 0 say+1 :5 he slyly call$ u all fools 9 8 prov]b1 ,a wise man's he>t is at 8 "r h& b a fool's he>t is at 8 left4 ,! object ( ! usur] 9 mak+ a loan is to secure ! s]vice ( ! borr[]2 x may be call$ a favor1 an opportunity1 an accommodation1 b t is its purpose & its effect4 ,x may be call$ capital or a tool = production1 b ! appropriation ( ! s]vice ( ! borr[] is ! result s\ght & secur$4 ,to secure ! s]vice ( a horse1 !re mu/ be an outgo ( weal? 9 its pur*ase price & 9 its h>ness & ! vehicle4 ,! s]vice receiv$ is ! return1 ! comp5sation = ! paym5t made4 ,t is money inve/$ & repaid 9 s]vice4 ,! price 0 9 accordance ) ! s]vice ! animal w\ld be able to r5d]4 ,= m & bett] s]vice a high] price mu/ be paid4 ,!re mu/ be an exp5diture to secure ! s]vice ( a *attel slave4 ,! pur*ase price mu/ be paid & ! tools & mat]ial or plantation mu/ be suppli$ be=e 8 s]vices are available4 ,! price paid is 9 accordance ) a reasonable e/imate ( ! s]vice ! slave w be able to r5d] dur+ life4 ,! outlay is made 9 consid]ation ( an equival5t 9 s]vice4 ,a loan is made = ! same purpose & secures ! same result4 ,! price ( ! horse or slave mu/ be paid be=e ! s]vice c be claim$4 ,! loan mu/ be made be=e !re c be a pretext ( a claim ^u ! s]vices ( ! borr[]4 ,!re is ?is diff]5ce1 h[ev]1 t ! pur*as] pays = ! s]vices he expects to receive2 he makes a real outlay = :at is to be giv5 him4 ,! usur] pays no?+1 he does n give a f>?+2 he makes no outlay2 he m]ely *anges ! deposit f ! bank vault1 or 8 /rong box1 to 8 victim1 & requires f him su* an ample security t x is z safe 9 8 h&s z rema9+ 9 ! vault4 ,t he has b\ght ! s]vice ( ! borr[] z ano!r b\ght ! s]vice ( ! horse or *attel slave is untrue4 ,he has giv5 no equival5t4 ,he reta9s e f>?+ ( 8 weal? safely deposit$ ) 8 victim4 ,! s]vice he receives does n dim9i% ! value ( 8 prop]ty nor dis*>ge any portion ( 8 claim4 ,! usur]1 l all ^? :o appropriate ! labors ( _! slaves1 claims t he is a real b5efit to 8 borr[]4 ,he has giv5 him an opportunity ( advancem5t t he c\ld n o!rwise h _h4 ,he po9ts to him possibly ) "s degree ( pride1 especially if he seems greatly prosp]$4 ,! own] ( color$ slaves po9t$ to 8 well-f$ & well-clo!d & happy p1 m]ry 9 _! cab9s1 & made a claim t 0 equally plausible2 t ^! p are f> bett] (f & f> happi] ?an !y c\ld be 9 fre$om4 ,_! well-kept1 happy1 c>e-free condition did n make !m freem54 ,!y 7 slaves1 ?\gh !y may h be5 happy4 ,!y 7 slaves1 ?\gh !y pref]r$ bondage to be+ _! own ma/]s4 ,! usur]'s prosp]\s victim is n !re=e a freeman4 ,?\gh he %\ld pref] debt to indep5d5ce1 t does n make him free4 ,no "o pref]s to be 9 debt4 ,debts are *os5 z ! lea/ ( ! evils4 ,! natural res\rces are occupi$ & ! opportunities ( life are d5i$4 ,l&s & all tools ( production are )held & ! horns ( ! dilemma are debt or privation4 ,! indep5d5t _s %r9ks f debt until ! /ruggle ( life becomes desp]ate1 :5 he turns to ! o!r evil & is enslav$4 ,?is is n a temptation t comes to ! idle & vici\s4 ,!y c\ld n secure a loan ?\gh !y tri$4 ,an indol5t1 dissipat$ & vici\s *attel slave w\ld n f9d a pur*as] 9 ! m>ket4 ,x is ! indu/ri\s1 virtu\s & economical "y man t is ( value to ! usur]1 & ! bett] 8 "*1 ! great] 8 wor?4 ,= ?is reason _! virtues are cri$ up to ! usur]s1 z ! favorable qualities ( ! *attel 7 pres5t$ 9 ! slave m>ts4 ,to secure a loan is an evid5ce ( confid5ce 9 8 bus9ess ability1 & an evid5ce ( ! appreciation ( 8 "*4 ,x is a flatt]+ complim5t1 & promis+ relief to a condition t seems hopeless1 he p]mits ! yoke ( bondage to be fa/5$ ^u him4 ,! usur]'s slave is *eap] ?an ! *attel4 ,x requires less weal? to secure an equal am\nt ( s]vice4 ,a loan ( five ?\s& doll>s at ! prevail+ rate ( sev5 p] c5t4 w br+ to ! usur] m ?an "o doll>1 cle> ga91 = e work+ day4 ,t is z mu* z any "o man1 n pr(essional or specially skill$1 c hope to produce ) t am\nt ( capital1 aft] c>+ = himself & 8 home4 ,! borr[] secures ! l5d] f all loss1 he l>gely relieves him f ov]sight1 he directs 8 own labors1 supports himself :olly2 if sick1 he supplies a sub/itute t ! s]vice does n /op1 & :5 f ! infirmities ( age he is no long] able to give ! requir$ am\nt ( s]vice1 "o doll> p] day1 he returns ! loan 9 full1 :i* may be b\nd ^u ano!r victim1 & ?us cont9u$ =ev]4 ,9 ! days ( *attel slav]y labor 0 n s *eap4 ,! price ( a /rong1 fai?ful "y color$ slave1 & ! value ( ! tools = him to use1 & ! proportionate "p ( ! plantation necess>y = him to "w1 0 ab\t equal to ! above loan4 ,!n he mu/ be clo!d & f$2 8 "w mu/ be direct$2 if sick 8 labor 0 lo/1 & he mu/ receive m$ical & o!r c>e2 all risks ( h>ve/ f dr\? or flood mu/ be incurr$ by ! own]1 & ! slave's t]m ( s]vice 0 limit$ by 8 dea?1 :5 8 pur*ase co/ 0 lo/1 & !re mu/ be an outlay by a new pur*ase4 ,"o *attel slave c\ld n br+ 8 ma/] su* enorm\s returns4 ,n only does f9ancial slav]y exact m labor = ! am\nt inve/$1 b x is m he>tless ?an *attel bondage4 ,! ma/] _h a p]sonal int]e/ 9 ! slave he b\ght4 ,8 heal? & /r5g? 0 an object ( 8 c>e & 8 dea? a great loss4 ,!re 0 also (t5 a mutual affection develop$1 z is sometimes f\nd betwe5 a man & 8 horse or affectionate dog4 ,!re 0 sometimes real unfeign$ mutual love4 ,! ma/] _h a t5d] c>e ov] 8 slaves 9 _! sicknesses & 9 _! decrepit age1 & sorr[$ at _! graves4 ,! slaves 7 inconsolable 9 _! grief at ! dea? ( _! ma/]4 ,! usur] has no p]sonal int]e/ 9 8 slave4 ,he has no c>e = 8 heal? or 8 life2 !y are ( no int]e/ to him4 ,he may live 9 a di/ant /ate & has no anxiety ab\t ^? :o s]ve him4 ,_! p]sonal ills give him no conc]n4 ,:5 !y die1 !re is no loss nor any additional outlay requir$2 ! bonds are simply transf]r$ to o!rs1 & ! s]vice is n int]rupt$4 ,_m fai?ful1 indu/rial & hone/ borr[]s are unable to return ! loan4 ,x is z difficult to reta9 prop]ty z x is to e>n x4 ,new inv5tions1 new processes1 new me?ods1 new legislation & ! *ang+ fa%ions & cu/oms1 (t5 sweep prop]ty f ! %rewd & c>eful4 ,ri*es make !mselves w+s2 !y fly away4 ,if = any cause ! borr[] fails !re is scant sympa?y f ! usur]4 ,he *>ges him ) be+ defici5t 9 bus9ess managem5t & ?riftless4 ,if ! yoke ( bondage galls & becomes s pa9ful t 9 8 di/ress ! debtor turns f ! /ruggle 9 "o direction to /ruggle 9 ano!r 9 hope ( relief1 he calls him fickle2 & if at la/1 aft] a long & h>d s]vice1 he is unable to return ! loan 9 full1 he calls him di%one/4 ,8 e> is deaf to ! voice1 ,is n ?is ! fa/ t ,i h *os58 to loose ! b&s ( wick$ness1 to undo ! heavy burd5s1 & to let ! oppress$ g free4 ,!re are ^? 9 debt yet /ruggl+ aga9/ hope to be free4 ,!y are slav+ at "w1 b mak+ no progress t[>d relief4 ,! crisis mu/ come4 ,9 ! race ) bit+ usury t kn[s no re/1 night nor day1 ye> 9 & ye> out1 t kn[s no sickness nor delay1 t keeps /ep ) "t1 !re is b "o possible result4 ,!re c be b "o f9al result1 ?\gh ! debtor may h a />t f> 9 advance1 b if 9 ! race x has become neck & neck1 ! end is ne>4 ,usury w sweep on ) full w9d1 & unslack+ pace1 :5 ! debtor falls exhau/$4 ,!re is com=t1 h[ev]1 ?\gh ! race be lo/1 = ! di/ress ( pov]ty is less ?an ! agony ( hopeless debt4 ,! old & ru9$1 :o h liv$ honorable & indu/ri\s lives1 :o h endeavor$ to d _! "p 9 all ! relations ( life1 yet h be5 9 ! slav]y ( debt all _! days1 & :5 _! p[]s began to fail 7 /ripp$ ( ! e>n+s ( ye>s1 & besides1 are compell$ to be> ! "n ( di%onorable debtors1 are ! mo/ wor?y ( sympa?y ( any ! _w kn[s4 ,! decrepit old *attel slave _h hope ( a home until ! end1 & a dec5t burial1 b ! debtor has no?+1 n ev5 an honorable "n4 ,! "y1 :o are yet free f p]sonal debt1 %\ld be w>n$1 & %\ld n p]mit !mselves to be beguil$ by any ( ! allurem5ts held out1 nor by flatt]ies4 ,z "o prizes 8 indep5d5t _s & fre$om f ! dictation ( o!rs1 z he desires a successful life & a peaceful old age1 he %\ld avoid debt4 ,z a ,*ri/ian1 :o desires unre/ra9$ ,*ri/ian fell[%ip1 ^: b5evol5ce w be f ! k9dness & love ( 8 own he>t1 z "o :o wi%es to bless all he meets1 & to leave a "n associat$ only ) hall[$ memories1 he %\ld avoid debt4 ,owe no man any?+1 b love "o ano!r4 ,,*apt] ,,xxv4 ,,usury ,,oppresses ,,! ,,poor4 ,moses1 ,solomon & ! prophets connect usury ) ! oppression ( ! poor4 ,= ?is reason _m h ?\ght ! div9e prohibition ( usury appli$ only to loans to ! poor4 ,by c>eful att5tion we w f9d t its evils are n conf9$ to ! imm$iate p>ticipants 9 ! transaction4 ,9 ! natural op]ation ( economic laws ! ultimate burd5 re/s ^u ! poor4 ,x is cle> t :5 ea* memb] ( a community contributes 8 portion to ! common welf>e ! burd5s are equally di/ribut$4 ,:5 any "o fails to contribute 8 proportion ! burd5s are made heavi] = ! o!r memb]s1 & ! burd5s increase z ! numb] increases ( ^? :o = any cause fail to contribute _! "p4 ,?is is true 9 ! family home life4 ,:5 e memb] ( ! h\sehold is able1 & ) *e]ful will+ness does 8 full "p = ! family support & com=t1 ! burd5 is equally di/ribut$4 ,let "o memb] ( ! family be 9 any way disabl$ & 8 duties mu/ be p]=m$ by o!rs4 ,if sev]al are disabl$ ! burd5s ^u ! o!rs may be greatly increas$4 ,if any are indol5t ! burd5s are made heavy ^u ^? :o are indu/ri\s4 ,! same is true 9 ! l>g] family1 ! community & ! /ate1 = political economy is b enl>g$ home economy4 ,! burd5s are lighte/ :5 e "o contributes 8 full %>e to ! g5]al welf>e4 ,:5 any are idle ! duties become heavi] ^u ^? :o are fai?ful4 ,usury makes x possible = _m to live ^u incomes f _! prop]ty4 ,!y are n class$1 nor d !y class !mselves1 among ^? :o are p]sonally productive4 ,?is makes x necess>y = ! poor1 ^? :o h no prop]ty1 to produce m 9 ord] to h\se & clo! & fe$ ! community4 ,b ^? non-productive p]sons are consum]s & are ! mo/ active consum]s4 ,!y make heavy drafts ^u ! en]gies ( o!rs4 ,!y become extravagant 9 _! habits & ! sp5d?rifts ( ! _w2 :ile 9 proportion to _! extravagant habits !re mu/ be sev]ity & simplicity 9 ! habits ( ! indu/ri\s & productive1 on :om ! support ( ! community re/s4 ,! _w does n gr[ ri*] nor are ! conditions ( life = "o class eas$ by ! extravagance ( ano!r class4 ,x is sometimes said t ! idl5ess & ! wa/eful habits ( "s are = ! b5efit ( o!rs because !y make a dem& = m "w4 ,x w\ld give ! lumb]man & nail-cutt] & c>p5t] & glazi] & pla/]] & pa9t] m "w to call back ! fire dep>tm5t & let ! h\se burn1 b t is n ! way to h\se ! h\seless4 ,extravagance is wa/eful de/ruction ( prop]ty4 ,x is insi/$ ^u bo? moral & economic gr\nds t no public b5efit ( any k9d arises f ! exi/5ce ( a ri* idle class4 ,_! incomes mu/ be paid1 ?\gh inconsi/5t ) ! public good4 ,to illu/rate1 ! ,london & ,s\?we/]n railroad contemplat$ a r$uction ( f>es 9 c>s ( ! ?ird-class4 ,x 0 defeat$ because x might r$uce ! divid5ds4 ,! poor c\ld n be reliev$ le/ x %\ld r$uce ! incomes ( ! idle4--,rusk94 ,t family is happy & prosp]\s 9 :i* e memb] contributes p]sonally 8 portion to its support & com=t4 ,t condition af=ds ! highe/ measure ( relief = all4 ,x is un=tunate if !re %\ld be an idl] 9 ! home :o1 z a p>asite1 fe$s on ! indu/ry ( ! o!rs2 x is a d\ble mis=tune if t idl] proves a sp5d?rift to wa/e ! ?rifty ga!r+s ( ! dilig5t4 ,! same economic pr9ciples make x necess>y = ! highe/ good ( e individual 9 ! community t ea* %all contribute 8 p]sonal "p4 ,if any w n "w nei!r %all he eat4 ,if any insi/ ^u eat+ & yet w n "w1 x imposes an oppressive burd5 on o!rs to compel !m to supply 8 table4 ,aga93 ,! limit+ ( production is a h>dness to ! poor4 ,_! welf>e requires ! l>ge/ possible product along e l9e ( human ne$s4 ,ov]-production is a t]m ( ! trade & means only t ! supply has become s great t x _c be sold at prices satisfactory to ! trade4 ,b z ! prices fall ! m>ket broad5s4 ,consumption increases ) ! increas+ abundance1 & t :i* x 0 n possible = c]ta9 classes to enjoy n[ comes )9 _! rea* & may become possible to ev5 ! poore/4 ,!re nev] c be an ov]-supply ( fruits & vegetables & gra9s & meats & %oes & clo!s & salt & oil & fuel & h\ses until ! wants ( ! poore/ are suppli$4 ,_! welf>e requires t !re %all be no re/ra9+ ( ! supply until !y come out ( _! huts into h\ses2 until !y c %$ _! rags & dress 9 clo!s bo? com=table & attractive2 until _! tables are suppli$ ) nutriti\s food2 until !y h ! means ( discov]+ & cultivat+ _! /hetic nature by %ak+ (f ! repellant conditions 9 :i* !y are mo/ly compell$ to live4 ,! practice ( usury re/ra9s ! supply by free+ s l>ge a "p ( ! p f ! necessity ( active productive ef=t by ! incomes f _! prop]ties4 ,_m born to weal? h nev] felt ! necessity1 & h nev] made an ef=t nor turn$ a ?\ght along productive l9es4 ,! _w has lo/ all t !y might h add$ to ! _w's supply = human ne$s4 ,_m1 :o h be5 successful 9 accumulation e>ly 9 life1 retire f active "w :ile yet 9 full vigor1 because !y are reliev$ ( ! necessity by ! income ( usury or increase1 & ! mo/ valuable portion ( _! lives is lo/ to ! _w4 ,production is fur!r limit$ by ! dem& t x %all yield an increase on ! prop]ty employ$4 ,! %op is %ut d[n :5 ! goods _c be sold at su* a price z to pay a satisfactory pr(it on ! inve/m5t4 ,! %op /&s idle until ! /ock is deplet$ & ! dem& raises ! price ( ! goods & !n ! %op is aga9 op5$4 ,! workm5 c\ld g on ) _! "w1 supply+ ! _w ) _! goods1 br++ ! price d[n until )9 ! rea* ( ! poore/1 b x is ! own] ( ! %op t holds ! key & dem&s t ! supply %all be s f> re/ra9$ t ! price %all yield a satisfactory increase on ! prop]ty4 ,inv5tions & improv$ tools are a bless+ to ! poor :5 !y make labor s productive t !y c enjoy results ( labor t c\ld n be enjoy$ by !m be=e4 ,!y are n a bless+ :5 us$ to ga9 an increase on weal? by employ+ less labor4 ,_! prop] use is to make labor m productive2 _! p]v]t$ use is to make prop]ty m pr(itable4 ,!re is a natural re/ra9t by ! law ( supply & dem& :5 all ne$s are s suppli$ t !re is no long] a suffici5t comp5sation to ! produc]2 b x is a p]v]t$ & unrighte\s re/ra9t to place prop]ty betwe5 productive labor & human ne$s & dem& a rew>d = x be=e ^! human ne$s %all be satisfi$4 ,!re is an utt] want ( pity = ! poor 9 p]mitt+ !m to g unh\s$1 unf$ & unclo!d1 unless !re %all be a pr(it by increase 9 supply+ _! wants4 ,true b5evol5ce requires t labor %all be made s effective z to fill e human ne$1 b pure selfi%ness uses prop]ty to supply ! ne$ = a ga94 ,?is re/ra9t = an increase on prop]ty is oppression ( ! poor = a price4 ,,*apt] ,,xxvi4 ,,usury ,,oppresses ,,! ,,poor--,cont9u$4 ,! influ5ce ( any act is n limit$ to ! p]son act+4 ,! righte\s act ( a righte\s man blesses himself & 8 g5]ation & g5]ations yet unborn4 ,s ! influ5ce ( a wrong act is n limit$ to ! wrong-do]1 b ext5ds to o!rs & is h>mful to ^? :o _h no volunt>y "p 9 ! act4 ,?\gh ! wrong be a p]sonal habit & ! s9n] be himself ! greate/ suff]]1 yet x is impossible to avoid caus+ di/ress to o!rs :o are !mselves innoc5t4 ,equity betwe5 ^? :o p>ticipate 9 a wrong does n make a wrong act righte\s4 ,?ieves may be j among !mselves1 9 ! division ( ! spoils secur$ f o!rs1 b t does n make !m upright m51 nor does x make _! bus9ess hone/4 ,if x 7 possible to pres]ve equity betwe5 ! borr[] & ! l5d] ^u usury1 yet t w\ld n ju/ify ! act nor remove ! evil4 ,! collection ( _! pr(its1 :i* !y divide equitably among !mselves1 imposes a burd5 ^u o!rs :o h no "p 9 ! transaction4 ,_! satisfactory agreem5t does n make ! transaction less detrim5tal to ! g5]al good4 ,x may ! r p>take ( ! nature ( a conspiracy aga9/ ! public welf>e4 ,! promot] ( an ent]prise on borr[$ capital is practically b ! ag5t ( ! l5d]4 ,he may be ! director & manag] b he s conducts 8 und]tak+ z to ga!r ! usury f o!rs4 ,:5 ! opportunities = pr(itable inve/m5ts become r>e1 & money accumulates & is ly+ idle1 su* promot]s ) _! s*emes are enc\rag$ 9 ord] to ga9 a pr(it on ! inve/m5t1 ?\gh o!rs suff] by x4 ,!re lies ^u ?is table a booklet1 writt5 9 #ahda1 :i* *>ges & proves complicity betwe5 ! bank]s & brok]s ( ,new ,york at t "t4 ,! bank]s loan$ ! brok]s ! money :i* !y reloan$ at v high rates4 ,! banks refus$ accommodations to ^? 9 press+ ne$1 compell+ !m to g to ! brok]s & to submit to _! extortionate dem&s4 ,?\gh !re may be an equitable arrangem5t betwe5 ! own] ( prop]ty & 8 brok] & betwe5 ! brok] & 8 promot]1 yet 9 ! la/ analysis x w be f\nd t ?is equitable arrangem5t1 9 its ultimate result1 is ( ! nature ( a conspiracy to compel ! innoc5t poor to pay ! pr(its ( bo?2 _! cons5t is n fir/ secur$ nor d !y ga9 a s+le advantage & !y are helpless to resi/4 ,?\gh ! transaction may h be5 betwe5 ! ri*1 a ri* l5d] & a ri* borr[]1 yet ! f9al result is t ! int]e/ is paid by ! poor4 ,9 ,calv9's lett] ( apology he supposes a case ( equity betwe5 a ri* l& own] :o is 9 ne$ ( ready money & ! man :o has money to buy a f>m1 b in/ead l5ds to 8 ri* l&lord & takes a mortgage4 ,9 ?is case ! t5ants ( ! borr[] mu/ pay ! int]e/ & f9ally ! pr9cipal also4 ,?is increases ! h>dness ( _! h>d lot4 ,?\gh ,calv9 seems to appreciate ! sev]e conditions ( ! ord9>y t5ant 9 8 day1 yet he fails to recognize t ! v illu/ration he gives w\ld result 9 great] oppression4 ,:5 "o entru/s 8 money to a brok] = inve/m5t he does n come 9 contact ) ^? :o e>n ! int]e/4 ,x may pass ?r\gh a numb] ( ag5ts & ! s\rce f :i* ! int]e/ is drawn is n reg>d$4 ,:5 "o entru/s 8 money to ! ,security ,co4 9 _! great build+1 surr\nd$ by all appe>ances ( unlimit$ weal?1 x is n realiz$ t ! int]e/ return$ is wrung f ! poor4 ,money does n lie 9 ! vaults4 ,x is loan$ to o!rs :o z ag5ts d collect or ga!r f ! poor4 ,a loan is made to a mill+ company & ! int]e/ is ga!r$ f all :o buy _! fl\r4 ,a loan is made to a l&lord & he collects ! usury f 8 t5ants4 ,a loan is made to a /reet c> company & increase is collect$ f ! employes & f e rid]4 ,a loan is made to a m]*ant & he collects f 8 cu/om]s4 ,x is easy to see :o pay ! int]e/ :5 we make a common pawnbrok] our ag5t & see 9 8 d+y rooms ! evid5t di/ress & ne$s ( 8 call]s4 ,_m %r9k f 8 oppressions :o are deceiv$ by ! spl5did surr\nd+s ( ! ,security ,co4 ,b ! int]e/ is exact$ f ! same class z truly by "o z by ! o!r4 ,usury oppresses ! poor by rais+ ! price ( all t he consumes4 ,)\t be+ consult$ & )\t ! p[] ( resi/ance he mu/ pay tribute to prop]ty = ! v necessities ( life4 ,he lives 9 a r5t$ h\se4 ,! own] has plac$ a mortgage on ?is h\se & ! t5ant mu/ pay ! int]e/ & m 9 8 r5tal or be eject$4 ,! bread he mu/ h is f :eat rais$ on mortgag$ l& & ! int]e/ mu/ be met 9 ! price ( :eat4 ,! mill is mortgag$ 9 :i* x is gr\nd & ! int]e/ mu/ be paid 9 ! increas$ price ( fl\r4 ,! railroad is bond$ & ! int]e/ on ! bonds mu/ be paid 9 ! price ( its transportation1 & ! m]*ant has a loan to enable him to d bus9ess & ! int]e/ on ?is loan mu/ be met 9 ! increase ( ! pr(its on fl\r & all o!r goods he h&les4 ,by usury a tribute is levi$ on 8 bread f ! :eat 9 ! field until x rea*es 8 tables4 ,9 ! same way he pays int]e/ 9 ! price ( 8 meat1 :i* is rais$ on a mortgag$ f>m1 transport$ ov] a bond$ railroad1 dress$ 9 a mortgag$ abattoir & sold by a deal] do+ bus9ess on borr[$ capital4 ,! same is true ( 8 clo!s2 a fir/ tribute mu/ be paid to prop]ty by ! raw cotton or wool1 !n ! transportation & ! factory & ! m]*ant1 9 addition to ! comp5sation = _! s]vices1 mu/ meet also ! int]e/ ^u _! loans1 & ! :ole is summ$ up 9 ! price ! poor man mu/ pay4 ,he has no option 9 ! matt]2 he has no alt]native1 no me?od by :i* he c escape4 ,! same is true ) reg>d to 8 fuel & 8 light4 ,! same is true ) reg>d to c> f>es4 ,9 e ride he pays an enorm\s tribute to inve/$ weal?4 ,! writ] made a c>eful e/imate ( ! acc\nts ( a c> l9e 9 a small city :]e ! numb] ( rid]s bore small comp>ison ) ! cr[d$ c>s ( any metropolis4 ,:5 ! co/ ( ma9t5ance ( ! plant1 includ+ ! we> & te> & all repairs1 & ! co/ ( op]ation1 cov]+ all curr5t exp5ses1 includ+ taxes1 7 comp>$ ) ! receipts f ! patrons ( ! road1 x 0 f\nd t less ?an two c5ts p] pass5g] 0 necess>y to pay ^! *>ges & t ?ree c5ts _h gone to pay ! int]e/ on ! enorm\s bond$ indebt$ness & divid5ds on ! inflat$ /ock4 ,! wage-e>n]1 ! p5sion] & e p]son liv+ ^u an annuity or fix$ income f any s\rce1 mu/ ?us pay usury or int]e/ on obligations !y nev] incurr$4 ,a l>ge portion ( _! liv+ is ?us tak5 f !m1 & "u a sy/em ( g5]al usury !y h no way ( avoid+ x4 ,!y mu/ pay an enorm\s tribute to prop]ty 9 provid+ ! common necess>ies ( life4 ,usury l[]s ! poor man's wages4 ,! own]s ( prop]ty =bid its use until su* a concession is made by ! labor] z !y may dem& = ! mat]ial & tools ( production4 ,^? :o w use !m & give ! own] ! highe/ return = _! use secure ! "w1 i4e41 ^? :o w bid ! labor ! l[e/1 :o w use ! tools & "w up ! mat]ial ! *eape/4 ,! dem& ( capital has come to absorb a l>ge portion ( ! produce ( labor4 ,9 #ahij ! wage-e>n]s creat$ a value ( #c1egi1afh1agb & receiv$ out ( x wages am\nt+ to #a1iha1bbh1cba1 leav+ 9 ! h&s ( ! employ]s #a1fhg1ici1hea4 ,labor ?us receiv$ a little less ?an #ec p] c5t4 ( its product4 ,9 #aijj ! wage-e>n]s creat$ a value ( #d1fdj1ghd1ica & receiv$ out ( x wages am\nt+ to #b1cbc1djg1beg1 leav+ 9 ! h&s ( employ]s #b1cag1cgg1fgd4 ,! employ]s & employes divid$ labor's product s ev5ly t ! diff]5ce does n am\nt to "o-eigh? ( "o p] c5t4 ,! decade #ahij to #aijj has be5 ( unprec$5t$ prosp]ity to capital1 b ! advantages to labor h n appe>$4 ,:5 ! numb] ( labor]s at ! beg9n+ & ! close ( ! decade are consid]$ ! annual income ( ! wage-e>n] at ! close ( ! decade is actually #g p] ye> less ?an t5 ye>s ago4 ,! tribute to prop]ty mu/ fir/ be ga9$1 ! wages are second>y4 ,if ! tribute is n paid ! ent]prise is reg>d$ z n successful & ! indu/ry closes4 ,!re is no protection = ! labor] except ! selfi%ness ( capitali/s !mselves 9 competition to secure ! s]vices ( labor4 ,b ! selfi% /rife has r result$ 9 ! comb9ation ( _! capital to disp5se ) labor or to cause ! same labor to produce m by ! employm5t ( m capital4 ,! effect is to give employm5t to capital r ?an to labor4 ,if labor c be disp5s$ ) by borr[+ m capital1 !n a loan is secur$ & ! labor] is dismiss$4 ,?us capital is made to cr[d out ! labor] & ga9s = itself 8 rew>d4 ,?is dim9i%es ! call = labor & increases ! numb] ( ! unemploy$ & !y become competitors = ! privilege ( work+4 ,! opportunities = labor becom+ few]1 ! /rife = "w becomes fi]c]4 ,! labor] is helpless to resi/1 z 8 wants d n /op2 8 family mu/ be f$ & clo!d & h\s$4 ,! /ruggle is unequal betwe5 fle% & blood & a mat]ial ?+ t1 by a false economy1 is giv5 n only ! p[] ( self-support b also cont9u\s increase4 ,= ?is reason comb9ations ( labor]s nev] h be5 & nev] c be successful 9 a conflict ) capital4 ,s long z ! false pr9ciple is admitt$1 all ef=ts mu/ fail4 ,s long z x is grant$ t prop]ty has e>n+ p[]1 ! ef=t w be made by ! own]s ( prop]ty1 & always successfully made1 to h prop]ty receive ! l>g] portion ( ! rew>d4 ,! true ord] w be rev]s$2 ! labor] w be giv5 a m]e subsi/5ce :ile ! increase w be claim$ = ! capital2 ! v opposite ( ! true ord]1 ! m]e pres]vation or subsi/5ce ( ! capital1 :ile all ! increase belongs to ! labor]s4 ,,*apt] ,,xxvii4 ,,usury ,,oppresses ,,! ,,poor--,cont9u$4 ,usury makes x possible to impose on ! poor ! pr9cipal burd5 ( taxation4 ,?\gh taxes are levi$ ^u prop]ty x is a delusion to ?9k t ^? :o own no prop]ty pay no taxes4 ,by usury ! taxes are easily slipp$ ^u ! poor4 ,if ! tax levy is "o p] c5t4 on prop]ty !n 9 a ye> ! "o hundr$ doll>s has be5 decreas$ by "o doll> & is b n9ety-n9e1 unless t doll> has be5 suppli$ f o!r e>n+s ( ! own]4 ,?us vacant lots1 jewels & ho>d$ /ores are a burd5 to _! own]4 ,b :5 ! prop]ty c add to itself an increase1 !n !re ne$ be no dim9ution ( ! am\nt1 & no sacrifice is necess>y on ! "p ( ! own]4 ,if ! weal? is plac$ 9 ! =m ( a loan on mortgage on a h\se1 ! t5ant 9 8 r5tal pays ! int]e/ on t mortgage1 :i* meets ! tax & also yields a rev5ue to ! own]1 & leaves ! weal? undim9i%$4 ,! t5ant e>n$ ! tax1 & bo? prop]ty & own] are reliev$4 ,! mortgage may be ^u a manufactur+ plant1 :5 ! op]atives pay ! tax f _! e>n+s4 ,! bond$ debt ( a city or /ate1 9 ! ultimate result1 is collect$ f ! productive labor4 ,to pay ! int]e/ & pr9cipal ( ! bond$ debt ( a city ! tax levy is increas$1 & a great] proportionate am\nt ( labor is appropriat$4 ,labor+ p )\t prop]ty are (t5 amaz$ at ! indiff]5ce ( prop]ty hold]s :5 a great bond$ debt is incurr$1 z bo? int]e/ & pr9cipal are to be paid by a tax ^u prop]ty4 ,^? :o make ! loan to ! city1 & all :o hold mortgages & divid5d pay+ prop]ties1 are complac5t because ! taxes ( a hundr$ ye>s w\ld nev] dim9i% _! prop]ty a doll>1 ?\gh ! tax levy %\ld be d\bl$4 ,x w\ld raise ! int]e/ on money1 dim9i% ! price ( labor & raise ! price ( goods1 b ^? :o pr(it by ! ga9 ( usury are unt\*$ by x4 ,rec5tly compla9ts 7 made by ! t5ants ( "o ( ! poor di/ricts ( ,london because _! r5tals _h be5 greatly increas$4 ,! reply ( ! l&lord 0 direct & cle>3 ,y h vot$ = public improvem5ts & n[ y mu/ pay = !m4 ,! same is true ( ! int]e/ & pr9cipal ( ! national debt4 ,! rev5ue is rais$ f a levy ^u importations1 z1 = example1 tea1 ! tax on :i* is t5 c5ts p] p\nd4 ,! tax is collect$ f ! import] & by him atta*$ to ! price = :i* x is sold to ! :olesale deal] & by him atta*$ to ! price he *>ges ! retail deal] & by him ! am\nt is collect$ f ! consum]4 ,suffici5t notice is usually giv5 t ! import] & ! deal]s may dispose ( all _! goods be=e ! t>iff is remov$4 ,a public ann\ncem5t ( su* a purpose 0 rec5tly made 9 ref]5ce to ! tax ^u tea4 ,! tax collect$ f ! consum] is f> heavi] ?an ! m]e levy ( ! gov]nm5t4 ,! import] dem&s a pr(it on ! am\nt ( rev5ue tax he has paid z well z on ! am\nt he pays = ! goods4 ,?is results 9 greatly increas+ ! burd5s ( ! poor4 ,! rev5ue tax rec5tly impos$ by ,great ,brita9 ( ?ree p5ce p] cwt4 on :eat & five p5ce p] cwt4 on fl\r result$ imm$iately 9 ! addition ( "o p5ny to ! price ( ! f\r-p\nd loaf to ! consum]s4 ,aga93 ,?is attribut+ to prop]ty ! quality ( self-p]petuation & increase has l$ to its incorporation & 9 a mann] sep>ation f ^? :o own x4 ,prop]ty mu/ always h an own]4 ,p]sonality mu/ always come 9 else !re are no rights to be consid]$4 ,labor ap>t f a p]son labor+ & prop]ty ap>t f a p]son own+ are imp]sonal & no e?ical or moral laws c be appli$ to !m4 ,!y are only physical =ces & mat]ial ?+s4 ,! w9d may pu% aga9/ a tree & ov]come its resi/ance & ! tree falls4 ,t is m]ely an ab/ract =ce aga9/ a mat]ial ?+4 ,b :5 my en]gy is ex]t$ aga9/ y\r tree & de/roys x1 !n p]sonal responsibility & p]sonal rights mu/ be consid]$4 ,a righte\s adju/m5t betwe5 labor & capital c nev] be arriv$ at )\t ! consid]ation ( ! p]sonal elem5ts on bo? sides4 ,! moral & e?ical laws mu/ be appli$ z well z ! physical & economic4 ,incorporat$ prop]ty1 h[ev]1 has elim9at$ f x ! e?ical & moral responsibility ( p]sonality & is reg>d$ z possess$ only ( economic & physical qualities & re/ra9$ only by legal /atutes4 ,incorporat$ prop]ties are n g5]ally manag$ by ^? :o own !m4 ,! manag]s are employ$ by ! own]s1 :o are ready to pay l>ge comp5sation to ^? :o h ! tact & bra9 & n]ve p[] & peculi> quality ( consci5ce to ga9 = !m a satisfactory increase4 ,x is _! "w to press ?is irresponsible mat]ial body up aga9/ fle% & blood4 ,! incorporation employs ! labor] :5 8 labor e>ns a satisfactory divid5d on ! capital1 & lays him (f or dis*>ges him :5ev] x seems mo/ to ! advantage ( ! inve/m5t4 ,a plant is built & op]at$ = a "t & !n ! plant is clos$1 or ! location is *ang$ )\t ! slighte/ reg>d to ! sacrifices ( ! poor labor]s :o h ga!r$ ar\nd & are left /r&$4 ,labor]s ev]y:]e ?r\gh\t ,*ri/5dom ne$ & beg = a ,sabba? ( re/1 b nei!r physical ne$s nor consci5ti\s scruples are reg>d$ :5 a great] divid5d c be ga9$ 9 sev5 days ?an 9 six4 ,on ! "p ( ! workman1 resi/ance is useless4 ,he c d no?+ b yield to ! economic & physical =ce manag$ by ^? 9 :om human sympa?y & pity = ! suff]+ & helpless are n p]mitt$4 ,! divid5d mu/ be ga9$ ?\gh x be necess>y to gr9d ! poor4 ,! own] ( ?is /eel plant is 9 a di/ant city4 ,all employes1 f ! manag] d[n to ! port]1 mu/ s s]ve t he %all receive ! divid5d4 ,?is m]cantile h\se is own$ by a woman on a pleasure trip r\nd ! _w4 ,all :o are connect$ ) ?is bus9ess mu/ s s]ve & sacrifice t %e %all receive h] income regul>ly4 ,?is railroad is own$ by ^? :o h gone a-ya*t+ 9 s\!rn seas4 ,x mu/ be s manag$ t ! rev5ues %all n fail :atev] ! sacrifice requir$ ( o!rs4 ,! writ] once he>d an ,am]ican /atesman1 :o aft]w>d became ,presid5t ( ! ,unit$ ,/ates1 deliv] an elaborate & c>efully prep>$ oration on a great occasion1 9 :i* he discuss$ ! gr[+ p[] & controll+ influ5ce 9 /ate & national affairs ( incorporations4 ,he did n =mulate a rem$y b said1 ,! problem to be solv$ by ! next g5]ation is1 h[ %all ! p be protect$ aga9/ ! encroa*m5ts ( incorporat$ weal?8 ,x ne$ sc>cely be said t !re 0 no discussion ( t "q dur+ ! campaign :i* clos$ ) 8 election to ! presid5cy4 ,usury is bo? ! basis ( ! incorporation & ! in/rum5t ( its oppression4 ,incorporat$ weal? mu/ n be p]mitt$ to claim p]sonal rights & yet escape p]sonal responsibility4 ,x mu/ be held to ! same e?ical & moral laws z ! individual4 ,p]sonal responsibility mu/ n be elim9at$ f prop]ty4 ,x mu/ n be dive/$ ( p]sonal responsibility & !n press$ z a m]e mat]ial ?+ up aga9/ fle% & blood4 ,no in/rum5t ( oppression ev] surpass$ 9 sev]ity ! usury ( incorporat$ weal? & reta9$ ! pret5se ( respectability4 ,x is suck+ ! blood ( ! poor e h\r1 yet !y *]i% & pet ! vampire1 n realiz+ t x is _! blood ^u :i* x fe$s4 ,,*apt] ,,xxviii4 ,,usury ,,oppresses ,,! ,,poor--,conclud$4 ,usury increases its burd5s 9 proportion to ! pov]ty4 ,x is ! mo/ oppressive ^u ! poore/4 ,prop]ty 9 any measure is a relief4 ,h[ev] small ! am\nt may be1 to t degree x assi/s 9 be>+ ! burd54 ,^? :o h a home are reliev$ ( ! burd5 ( usury by r5t4 ,^? :o own _! %ops or f>ms on :i* !y c employ _! labor are reliev$ ( ! usury ( tools & mat]ial4 ,f ! conditions n[ prevail+ ! burd5 ( usury re/s on all ^?1 ! half ( ^: income is ! product ( _! own labor4 ,! "o :o receives "o-half 8 income f ! int]e/ on prop]ty & "o-half f 8 own labor has no advantage f usury4 ,! income ( 8 labor w\ld br+ him z _m ( ! com=ts ( life z 8 labor n[ does1 plus ! income f 8 prop]ty4 ,!re is no advantage until a great] "p ( ! income is d]iv$ f prop]ty4 ,a small sav+s acc\nt1 add+ a few doll>s annually to ! income1 is a v small (fset to ! con/ant dra9 f usury 9 all t we buy & ^u all our e>n+s4 ,! full burd5 h[ev] is ^u ^? :o h no?+ b _! own productive en]gy2 :o receive only wages & mu/ buy 9 ! m>ket4 ,z ! relief af=d$ by prop]ty decreases1 ! oppressive burd5 ( usury 9 pres5t conditions increases4 ,x is a fair e/imate t usury is oppressive until reliev$ by ! income f prop]ty to ! am\nt ( "o-half ( ! entire income receiv$4 ,:5 less1 ! oppression beg9s & leans its full weight & )\t pity ^u ! poore/ & mo/ helpless4 ,he t has no prop]ty is dep5d5t ^u o!rs = employm5t & 9 8 wages mu/ give a "p ( 8 product z tribute to ! capital he uses4 ,?is1 9 ! case ( ! av]age wage e>n] 9 ?is c\ntry1 is n less ?an "o-?ird1 t is1 he :o e>ns "o doll> & a half w receive z wages "o doll>1 ! o!r half doll> is reta9$ by ! employ] z due = ! capital inve/$4 ,!n hav+ no home he mu/ pay tribute to prop]ty 9 %elt] = himself & family4 ,! r5t w be high] 9 proportion to ! pov]ty ( ! ap>tm5ts4 ,! poore/ t5em5t returns ! highe/ rate ( int]e/ to ! l&lord4 ,8 decreas$ wages d n make ! necessities ( life proportionately *eap to him4 ,he pays usury 9 ! price ( ! fuel :i* he burns1 ( ! oil1 gas or electric light 9 8 home4 ,9 ! price ( vegetables1 bread & clo!s & %oes4 ,!re is an increas$ outgo at e turn :i* he _c avoid4 ,he is helpless to resi/4 ,he c b /ruggle /agg]+ along :ile "w is giv5 & 8 heal? & /r5g? rema94 ,:5 ^! fail he falls & mu/ become entangl$ 9 debt1 f :i* !re is no hope ( be+ able to extricate himself4 ,! /ate recognizes ! hopelessness ( ! poor man :o is 9 debt & has provid$ a relief by bankruptcy1 by :i* he may aga9 arise & /ruggle on4 ,?is dis*>ge 9 bankruptcy is an act ( m]cy b ! relief f ! oppressions ( usury w\ld be an act ( ju/ice4 ,gr9d+ ! helpless poor betwe5 l[ wages & high prices & !n reliev+ !m by ! act ( bankruptcy is only pull+ !m out ( ! mill to ?r[ !m into ! hopp] aga91 = ! wage e>n] :o has no protection f any prop]ty is betwe5 ^! upp] & ne!r mill /ones4 ,^? :o def5d ! fraud ( usury always take to cov] beh9d ! wid[ & ! fa!rless4 ,!y plausibly pret5d to be zeal\s = _! protection :ile endeavor+ to hide _! own gre$4 ,_! pleas are (t5 t\*+ly pa!tic4 ,a ?rifty lov+ fa!r 0 tak5 away by dea? f a de> wife & sweet little ones4 ,!y _h always lean$ on 8 /rong arms4 ,he 0 _! joy1 _! protector & _! support4 ,?is wid[ & h] fa!rless *ildr5 are left ) no?+ to support !m except ! sav$ h>d e>n+s ( ?is husb&'s life4 ,z ^! e>n+s are _! only support !y are deposit$ ) c>e ) ! ',security ,co4' = safety & t ! regul> int]e/ dues may be receiv$ )\t fail4 ,if !re %\ld be "o failure !y w\ld suff]4 ,! ',security ,co4' loan _! deposits z opportunity (f]s4 ,!y take "s local mortgages & also "s mortgages on we/]n l&s4 ,!y buy "s bonds ( a mill+ tru/ & also ( a railroad & /reet c> l9e & "s national bonds & loan on p]sonal security to local m]*ants & trad]s4 ,f all ^! s\rces ! int]e/ is regul>ly collect$ & regul>ly paid to ?is wid[$ "m1 )\t :i* %e & h] little fa!rless de> ones mu/ suff]4 ',c]ta9ly1' !y say 'usury is n oppressive to ! wid[ & ! fa!rless4 ,usury comes to ! help ( ! helpless4' ,ano!r fai?ful indu/ri\s fa!r 0 tak5 away f 8 wife & 8 little ones4 ,he _h be5 _! /ay & support4 ,he 0 sob] & ?rifty b sickness & unt[>d conditions made accumulations impossible4 ,:5 he1 ! head ( ! home1 0 tak5 away !re 0 no?+ = ! support ( ^! helpless little ones & _! wid[$ "m b h] own arms & head & he>t4 ,!re 0 no "t = s5tim5t & te>s4 ,^! little ones mu/ be %elt]$ & _! hungry m\?s mu/ be f$4 ,re/ra9+ h] grief1 %e bravely und]takes ! heavy task4 ,%e r5ts a room b ! r5tal is high1 = ! int]e/ mu/ be paid on a mortgage held by ! ,security ,co4 ,%e f9ally f9ds a %op :]e %e secures employm5t b ! wages are l[1 = ! %op is heavily mortgag$ to ! ,security ,co4 & ! int]e/ mu/ be paid or ! %op w be clos$ & ev5 ?is opportunity = scant wages w be lo/4 ,! di/ance requires t %e %all ride to h] "w b ! r\nd trip co/s two nickels & "o ( !m goes to ! ,security ,co4 = int]e/ on _! bonds & /ock4 ,%e buys a loaf ( bread b ! :eat 0 rais$ on a we/]n f>m mortgag$ to ! ,security ,co4 & ! int]e/ 0 *>g$ up aga9/ ! :eat4 ,! :eat 0 fl\r$ 9 a tru/ mill & ! int]e/ on ! ,security ,co4 bonds 7 *>g$ up aga9/ ! fl\r4 ,x 0 transport$ by a railroad t *>g$ up aga9/ x ! int]e/ on ! bonds held by ! ,security ,co4 ,x 0 bak$ 9 a mortgag$ ov5 & h&l$ by a local deal] do+ bus9ess on capital he _h borr[$ ( ! ,security ,co4 ,h[ mu* ( h] bread money w5t = int]e/s is an intricate problem4 ,%e only notices t h] loaf is small4 ,! same oppressive tribute mu/ be paid on all t %e buys to fe$ & clo! h]self & h] little ones4 ,! fir/ wid[ does n live ^u ! e>n+s ( h] husb&4 ,!y are unt\*$ at ! end ( a ye> nor dim9i%$ z ! ye>s pass4 ,by ! op]ation ( usury %e has liv$ ^u ! h>d e>n+s ( ?is poor wid[4 ,! labor]s on ! we/]n f>ms contribut$ to h] support 9 decreases ( wages2 ! op]atives ( ! railways1 ! workm5 9 ! mill1 ! bak] & m]*ant all contribute a portion1 b x _c be d5i$ t ! heavie/ burd5 comes ^u ! poore/4 ,! ri* wid[ has f$ h] *ildr5 ) ! bread :i* ! poor wid[ e>n$4 ,! flaunt+ sympa?y = ! poor ( ^? :o !mselves fe$ ^u !m1 is rank hypocracy4 ,nor c ^? :o h gr[n fat by ! practice ( usury1 condone ! crime by toss+ back to !m a portion ( ! unju/ ga94 ,is x su* a fa/ t ,i h *os58 ,a day = a man to afflict 8 s\l8444 ,is n ?is ! fa/ t ,i h *os58444 ,to undo ! heavy burd5s & to let ! oppress$ g free8444 ,is x n to deal ?y bread to ! hungry1 & t ?\ br+ ! poor t are ca/ out to ?y h\se8 ,,*apt] ,,xxix4 ,,usury ,,c5tralizes ,,weal?4 ,! dictum ( ,bacon t ,usury ga!rs ! weal? ( ! realm into few h&s is readily prov5 & fully v]ifi$ 9 ! exp]i5ce ( ^! times4 ,! t5d5cy to c5tralization "u a sy/em ( usury or int]e/-tak+ is s /rong1 & ! mod]n result s app>5t t ! /atem5t only is necess>y4 ,usury n only enslaves ! borr[] & oppresses ! poor :o are innoc5t ( all debt1 b x also affects ! ri* by ga!r+ ! weal? ( ! weal?y into few] & few] h&s4 ,!re is a c5traliz+ draft t ?reat5s & !n f9ally absorbs ! small] =tunes into "o colossal f9ancial p[]4 ,x is z futile to resi/ ?is z to resi/ fate4 ,weal? _c be s =tifi$ & gu>d$ z to successfully resi/ ! attack ( sup]ior weal? :5 ! practice ( usury is p]mitt$4 ,! small] & weak] =tune1 us+ ! same weapon z ! l>g] & /rong]1 mu/ inevitably be defeat$ & ov]come1 & ultimately absorb$4 ,rates ( int]e/ d n affect ! ultimate result4 ,"u a high rate ! ga!r+ is rapid1 "u a l[ rate ! accretions are sl[]1 b ! ga!r+ into few h&s is none ! less sure4 ,rates ( int]e/ only place ! conv]g5t c5t] at a ne>] or m remote p]iod4 ,if any int]e/ is "r1 comp\nd int]e/ is "r4 ,:5 simple int]e/ is due & paid1 x may be loan$ to ano!r p>ty1 & ?us ! usur] secures int]e/ ^u 8 int]e/1 ?\gh n f ! same debtor4 ,:5 ! int]e/ is to be paid annually1 x is to be assum$1 if n paid1 t ! debtor takes x z a loan 9 addition to ! face ( ! note ( 8 obligation4 ,?is saves ! c>e ( receiv+ & re-loan+ to ano!r4 ,! cu/om ( usur]s1 h[ev]1 is to r5ew ! note1 add+ ! int]e/ to ! face1 if unpaid4 ,! mass ( bank pap] is r5ew$ ea* n9ety days3 ,comp\nd$ f\r times a ye>1 :e!r to ! same or to ano!r debtor1 ! result 9 accretion is ! same4 ,few realize ! rapidity at :i* a loan increases1 accel]at+ 9 geometrical progression z "t passes4 ,any loan w d\ble itself at ?ree p] c5t4 9 tw5ty-?ree & a half ye>s2 at sev5 p] c5t4 9 t5 & a f\r? ye>s1 & at t5 p] c5t4 9 sev5 & a ?ird ye>s4 ,"o doll> loan$ = "o hundr$ ye>s1 at ?ree p] c5t41 w\ld am\nt to n9ete5 doll>s2 at sev5 p] c5t4 "o ?\s& doll>s1 & at t5 p] c5t4 ?irte5 ?\s&4 ,! isl& ^u :i* ,new ,york /&s 0 b\ght f ! ,indians = ! value ( tw5ty-f\r doll>s by ,pet] ,m9uits 9 #afbf4 ,yet1 if ! pur*as] _h put 8 tw5ty-f\r doll>s at int]e/1 :]e he c\ld h add$ x to ! pr9cipal at ! rate ( sev5 p] c5t41 ! accumulation w\ld n[ exce$ ! total value ( ! entire city & c\nty ( ,new ,york4 ,m4 ,j5net quotes ! elaborate calculation ( an +5i\s au?or to %[ t #ajj francs 7#bj7 accumulat+ at five p] c5t4 comp\nd int]e/ = sev5 c5turies1 w\ld be suffici5t to buy ! :ole surface ( ! globe1 bo? l& & wat]1 at ! rate ( #a1jjj1jjj francs 7#bjj1jjj7 p] hect>e 7ne>ly f\r squ>e miles74 ,f ?is we c ga!r t #bj at five p] c5t4 comp\nd int]e/ = #gjj ye>s1 w\ld buy all ! e>?1 m\nta9s1 & swamp l&s1 & wat]1 at #hj p] acre4 ,ano!r ma!matical g5ius says1 _h "o c5t be5 loan$ on ! fir/ day ( ,janu>y ,a4,d4 #a1 int]e/ be+ all[$ at ! rate ( six p] c5t4 comp\nd$ ye>ly1 !n #ahie ye>s lat]--t is on ,janu>y #a1 #ahie--! am\nt due w\ld be #h1dig1hdj1jjj1jjj1jjj1jjj1jjj1jjj1 #jjj1jjj1jjj1jjj1jjj1jjj1jjj 7#h1dig1hdj1jjj decillions74 ,if x 7 desir$ to pay ?is 9 gold1 #bc4b gra9s to ! doll>1 !n tak+ sph]es ( pure gold ! size ( ! e>?1 x w\ld take #faj1jgj1jjj1jjj1jjj1jjj to pay = t c5t4 ,plac+ ^! sph]es 9 a /raight r[1 _! comb9$ l5g? w\ld be #d1hbf1hgj1jjj1jjj1jjj1jjj miles1 a di/ance :i* x w\ld take light 7go+ at ! rate ( #ahf1ccj miles p] second7 #hbj1hij1jjj ye>s to travel4 ,! planets & />s ( ! entire sol> & /ell> univ]se1 z se5 by ! great ,lick telescope1 if !y 7 all 9 solid gold1 w\ld n ne>ly pay ! am\nt4 ,a s+le sph]e to pay ! :ole am\nt1 if plac$ ) its c5tre at ! sun1 w\ld h its surface ext5d+ #efc1ehj1jjj miles beyond ! orbit ( ! planet ,neptune1 ! f>!/ 9 our sy/em4 ,x may be add$ t if ! e>? _h conta9$ a population ( t5 billions1 ea* "o mak+ a million doll>s a second1 !n to pay = t c5t x w\ld h requir$ _! comb9$ e>n+s = #bf1ich1ejj1jjj1jjj1jjj1jjj1jjj ye>s4 ,anyone c figure on ?is & see if x be correct4 ,_h ,pet] only ?\ght to put "o c5t at int]e/1 !re w\ld be no call n[ = ,pet]'s p5ce4 ,) any accretion all[$1 ! conc5tration ( weal? is irresi/ible4 ,h[ev] small ! am\nt ( capital1 if p]mitt$ to gr[ at any rate ( increase x w ultimately absorb ev]y?+4 ,any f9ite quantity p]mitt$ any f9ite rate ( increase1 w1 9 f9ite "t1 ga!r all t is less ?an inf9ite4 ,! only difficulty 9 ?is accretion is to secure debtors t w n die4 ,we inh]it ! prop]ty ( our fa!rs1 b =tunately we d n inh]it _! p]sonal debts4 ,?is difficulty is be+ ov]come by bonds ( corporations & nations t live on1 ?\gh ! individuals compos+ !m may1 age aft] age1 pass away4 ,?is makes ! increase p]petual4 ,g5]ations may come & g1 b ! conc5tration ( weal? goes un9t]rupt$ly on4 ,?is is n vision>y !ory1 b is %[n 9 ! practical results ev]y:]e app>5t4 ,! usur]s ( ,engl&1 a little ov] two hundr$ ye>s ago1 secur$ a *>t] = a bank on ! condition t !y loan ! cr[n or gov]nm5t #a1bjj1jjj p\nds /]l+1 ab\t six million doll>s4 ,?is 0 a p]petual loan1 nev] to be repaid1 b annual int]e/ at eight p] c5t4 0 to be paid by ! gov]nm5t =ev]4 ,?is con/ant annual int]e/ paid to ?is bank has made x su* a f9ancial p[] t x rea*es & draws to itself ( ! res\rces ( all l&s4 ,! aggregat$ weal? ( ! in/itution1 if ! accretions 7 cont9u\s1 w\ld n[ be #be1afe1hbd1jjj1jjj4 ,! weal? ( ! ,unit$ ,k+dom is e/imat$ at fifty billions1 & all ,europe two hundr$ billions1 ! ,unit$ ,/ates sev5ty billions1 & ! :ole _w's weal? at five hundr$ billions4 ,7 ! accretions ( ! bank at eight p] c5t4 undi/urb$ & unconsum$1 x w\ld n[ take fifty worlds z ri* z ours to pay t debt4 ,x is sometimes wond]$ h[ !re c be su* an accumulation ( weal? 9 "o in/itution z to control ! f9ances ( ! _w4 ,x is (t5 attribut$ to sup]ior wisdom or "s pr(\nd1 occult manipulation4 ,x is b ! natural op]ation ( ! pr9ciple ( int]e/--accretion f age to age4 ,! manag]s may be /upid dolts1 only s !y d n int]f]e ) ! usuri\s pr9ciple 9 its et]nal pull on ! res\rces ( mank9d4 ,! int]e/ be>+ debt ( ! ,unit$ ,/ates1 at ?is date1 is ab\t "o ?\s& millions4 ,?is 9 "o hundr$ ye>s at six p] c5t4 w\ld am\nt to #cdj1jjj1jjj1jjj2 five times ! :ole pres5t weal? ( ! nation4 ,! smalle/ national bank organiz$1 by ! deposit ( #be1jjj ( bonds yield+ two p] c5t4 int]e/1 & p]mitt$ to re-loan ! same funds to its private cu/om]s at eight p] c5t41 c\ld ga!r to itself 9 "o hundr$ ye>s1 #cde1bbe1jjj4 ,! weal? ( an individual or ( a family may also gr[ ) ! ye>s z !y pass4 ,! prop]ty may be 9 public bonds or t ( incorporations1 requir+ no c>e or ef=t on _! "p1 yet x may be cont9ually increas+4 ,a usur] 9 any community 9 "o life comes to absorb ! weal? ( t community1 ?\gh ! am\nt loan$ at ! beg9n+ 0 small4 ,! accretions are ! irresi/ible result ( ! pr9ciple ( usury4 ,! weal? is m & m c5traliz$ z ! ye>s pass4 ,great trees 9 ! =e/ %ad[ ! small]1 & rob !m ( ! sun%9e & moi/ure until !y p]i%4 ,great fi% 9 ! cr[d$ pond fe$ ^u ! small]4 ,individual manufactur]s are absorb$ by ! great comb9ations call$ tru/s4 ,! /ockhold]s ( a railroad are absorb$ by ^? :o h l>ge & controll+ int]e/4 ,b ! railroad is itself absorb$ by ano!r yet great] corporation1 & ?is aga9 by a great comb9e t elim9ates ! influ5ce ( all b ! *ief control1 & t5ds to a complete c5tralization ( all ! sy/ems4 ,!re is no escap+ f ?is c5traliz+ draft ^u all res\rces1 :5 ! sy/em ( int]e/-tak+ is z g5]al z n[4 ,fre$om f p]sonal debt does n deliv] u4 ,! f>m]1 ! mo/ indep5d5t ( m51 9 8 own home1 free f p]sonal debt1 yet mu/ contribute to ?is c5traliz+ by pay+ int]e/ on bonds 9 e %ipm5t ( produce1 & e mile ( railroad travel4 ,he pays tribute also 9 all ! tools t he buys1 9 ! food t he eats & ! clo!s t he we>s4 ,?is c5traliz+ draft is con/ant1 ?\gh n always equally app>5t4 ,c]ta9 favorable conditions may hold 9 *eck1 = a "t1 ! adv]se influ5ce & cause a tempor>y di/ribution ( weal? to ! produc]s4 ,its =ce is n1 h[ev]1 de/roy$1 b only re/ra9$ = a "t1 & !n draws ) accumulat$ p[]4 ,times ( indu/rial depression & comm]cial disa/]s are occurr+ ov] & ov] aga94 ,"s economi/s attribute !m to ! peculi> indu/rial & monet>y conditions ( ! p]iods 9 :i* !y occur2 b !y h seldom agre$ z to ! causes ( any p>ticul> panic4 ,!y are s regul> 9 _! recurr5ce t "s economi/s h ?\ght !y mu/ be produc$ by "s con/ant cause2 l ! moon caus+ ! tides ( ! ocean4 ,bo? are true4 ,!re is a g5]al & !re is also a second>y or sup]ficial cause4 ,! times ( greate/ comm]cial disa/]s 9 ?is c\ntry 7 9 ! ye>s #ahji1 #ahah1 #ahcg1 #ahgc1 #ahic4 ,! political economi/s c assign z reasons "s peculi> conditions prevail+ 9 ea* ( ^! p]iods1 b ! wise/ h nev] gone deep en\gh to discov] ! g5]al cause2 ?is con/ant c5traliz+ draft ( usury4 ,9 ^! p]iods ( comm]cial disa/] !re is no de/ruction ( prop]ty4 ,!re is only a g5]al %ake up & r$i/ribution4 ,all ! weal? ( ! c\ntry rema9s1 b aft] ! disa/] weal? is always f\nd to be 9 few] h&s4 ,"s h become ri*1 _m :o 7 ?\ght to be weal?y are ru9$1 & ! numb] ( ! poor has be5 multipli$4 ,a pati5t may be afflict$ ) "s deep-seat$1 *ronic disease t makes him v easily affect$ by a *ange ( ! wea!r1 by a *ange ( 8 diet or ( 8 b$1 & ^! may be assign$ z ! causes ( 8 frequ5t relapses1 & !y are ! imm$iate or second>y causes1 b ! real cause is ! deep-seat$1 *ronic disease4 ,cure t disease & ! *anges 9 conditions1 n[ s s]i\s1 w\ld n be notic$ by ! heal?y man4 ,! real & con/ant cause ( our recurr+ f9ancial disa/]s is ?is c5traliz+ usury t directly opposes ! di/ribution ( weal? t is natural1 :5 ! produc]s ( weal? are p]mitt$ to receive & enjoy x4 ,root out ?is evil1 & !n ! trifl+ diff]5ces 9 our h>ve/s1 *anges 9 our t>iff laws1 curr5cy legislation1 & ! score ( o!r ?+s t n[ affect u1 w\ld be unfelt by ! heal?y body politic4 ,if ?is c5traliz+ p[] is de/roy$ !n ! natural di/ribution w\ld be undi/urb$1 & ^!1 s-call$1 panics w\ld be unkn[n4 ,,*apt] ,,xxx4 ,,mammon ,,dom9ates ,,! ,,nations4 ,! debt habit has be5 dilig5tly cultivat$ & enc\rag$1 until ! nations are enslav$4 ,public bonds imply bondsm51 & ! nations are no long] free4 ,!re is a mortgage ^u ! inv5tive g5ius1 indu/ry & productive en]gy ( ! _w4 ,usur]s greatly pref] an organiz$ gov]nm5t z a debtor4 ,! individual may die1 b a nation's debts b9d f age to age1 are bequea!d by ! fa!rs to ! *ildr51 & ?us desc5d f g5]ation to g5]ation4 ,! bonds ( no corporation1 h[ev] great & ri*1 c be s secure4 ,!y embrace special indu/ries1 :ile national debts are a claim ^u e indu/ry & a mortgage ^u e foot ( soil1 & e doll> ( pres5t p]sonal prop]ty1 & ( all t may be produc$ 9 ! :ole realm4 ,if we express ! _w's indebt$ness1 ! national debts1 9 ! t]ms ( our curr5cy1 z ne>ly z we c r$uce ! curr5cy ( o!r nations to su* an expression1 we f9d ! national debts z foll[s1 9 #ahij3 ,d5m>k #cc1jjd1gbb ,great ,brita9 #c1hdh1dfj1jjj ,unit$ ,/ates #iae1ifb1aab ,g]many #a1ief1bag1jag ,au/ria-,hung>y #b1fff1cci1eci ,france #d1ddf1gic1cih ,russia #c1dia1jaf1jgd ,italy #b1cbd1hbf1cbi ,spa9 #a1bea1dcc1jif ,ne!rl&s #dcj1eci1fec ,belgium #cfj1ejd1jii ,sw$5 #fd1bbj1hjg ,norway #ac1igc1geb ,portugal #dij1dic1eii ,greece #ajg1cjf1eah ,turkey #hba1jjj1jjj ,switz]l& #aj1iab1ibe --------------- ,^! debts aggregate #bb1iee1chf1jjh ,hundr$s ( millions h be5 add$ to ^! national debts 9 ! la/ t5 ye>s4 ,ne>ly e nation has increas$ its indebt$ness1 possibly no nation has decreas$ x1 & o!rs1 l ,*9a1 ) its rec5t great loan1 & little ,korea1 ) its twelve millions1 mu/ be add$ to ! li/4 ,! debts ( ! nations ( ,europe h be5 increas$ until !y n[ am\nt 9 ! aggregate to tw5ty-?ree billions4 ,! debts ( ! nations ( all ! _w h increas$ "o-half s9ce #ahij1 & n[ aggregate ?irty-?ree billions4 ,^! great national debts are practically p]petual1 & ?\gh !y may be at s l[ a rate ( int]e/ z ?ree p] c5t41 !y absorb ! en]gies ( ! p1 &1 l a glaci] gr9d+ ov] ! e>?1 cru% all b5ea? !m4 ,public debts are incurr$ to relieve ! pres5t weal? ( ! burd5 ( pres5t duty4 ,debts place ! :ole burd5 on produc]s ( ! future4 ,!y relieve ^? :o hold ! weal? n[1 b are a draft ^u ^? :o make ! weal? t is to be4 ,an individual incurr+ debt places a mortgage ^u 8 productions2 by a pl$ge ( future production he relieves himself ( ! /ra9 ( ! pres5t4 ,a family incurs debt2 a "p ( ! memb]s ( ! h\se are /rong & capable ( productive labor1 & a "p are n2 ! :ole burd5 ( ! paym5t comes ^u ! productive memb]s ( ! home4 ,! weak & helpless & ! indol5t1 ?\gh /rong1 be> no "p ( ! burd54 ,?is family has a home1 & a mortgage is plac$ ^u x to secure ! pres5t ne$s4 ,! burd5 ( pay+ ! int]e/ on ?is mortgage1 & ! f9al paym5t ( ! pr9cipal1 is :olly on ! capable & indu/ri\s memb]s ( ! family4 ,national debts are incurr$ to relieve ! pres5t weal? ( ! burd5 ( pres5t gov]nm5t calls & obligations1 & to roll x ^u ^? :o %all produce weal? 9 ! future4 ,s ! debt ( a city1 /ate1 or nation is a pres5t relief to prop]ty hold]s1 by plac+ ! produc]s "u future obligations4 ,a /reet 9 a city is to be pav$2 no additional tax is levi$2 b bonds are issu$ runn+ tw5ty ye>s4 ,?is relieves ! pres5t weal? ( ! burd51 plac+ x ^u ^? :o %all produce ! weal? t %all be 9 tw5ty ye>s4 ,! exp5ses ( a great w> mu/ be met4 ,pres5t taxes may be slightly increas$1 b to meet ! burd5 consols or public bonds are issu$ to be paid at a di/ant date4 ,?is relieves ! pres5t weal?1 b b9ds x ^u ^? :o %all be ! produc]s ( weal? 9 ! g5]ations to come4 ,hume says1 ,! practice ( contract+ debts w almo/ inv>iably be abus$ by e gov]nm5t4 ,x w\ld sc>cely be m imprud5t to give a prodigal son a cr$it ) e bank]1 ?an to emp[] /atesm5 to draw bills 9 ?is mann] on po/]ity4 ,^! public bonds are ! gold5 opportunity ( ! usur]s4 ,n only is _! weal? reliev$ ( all burd51 b x af=ds an opportunity ( pr(itable inve/m5t ) ! be/ possible debtor4 ,!y c pose z ent]pris+ citiz5s1 & urge great public improvem5ts1 & at ! same "t ga9 a mo/ sure & pr(itable inve/m5t4 ,!y c pose z patriots 9 "t ( w>1 & urge t x be press$ ) en]gy at :atev] co/ ( treasure & blood4 ,x is n _! blood t is %$1 nor _! weal? t is wa/$4 ,x gives !m ! opportunity ( b9d+ _! burd5s on ! nation = ! produc]s ( ! com+ g5]ations to c>ry4 ,usur]s nev] wi% public debts paid4 ,!y wi% !m issu$ = z long "t z possible1 & !n reissu$1 or ! "t ext5d$ be=e !y are due4 ,?is is done by ! figm5t call$ refund+1 z if x 7 a concession & favor to a poor debtor4 ,x is b a device to keep ! burd5 on ! public back4 ,x is n a f9ancial feat & triumph = ! *ancellor ( ! ex*equ] to refund a public debt4 ,he b yields himself z a tool to ! usur]s to cont9ue _! loans4 ,!y resi/ ! paym5t :5 due1 b :5 an (fic] is f\nd will+ to ext5d !m be=e !y are due all tr\ble is avoid$ & ! accretions ( int]e/ are n int]rupt$ = a day4 ,^? :o hold ! bonds ( a nation direct its de/9ies4 ,! nation borr[+ is s]vant to ! l5d]1 j z an individual4 ,! nation compromises its fre$om & becomes ! slave ( its bond-hold]s4 ,! usur]s use _! p[] = ! advancem5t ( _! own mat]ial int]e/s1 & hold all o!r purposes ( gov]nm5t z inf]ior to _! own ends4 ,?is subord9ation ( a p1 to ! cr$itors1 is fatal to republican & con/itutional gov]nm5ts2 ! =m may be pres]v$ = a "t1 b ! sub/ance ( free gov]nm5t has dep>t$4 ,! conc5tration ( weal? c>ries ) x ! conc5tration ( p[]1 & is inimical to republican in/itutions4 ,a prop] di/ribution ( weal? & p[] mu/ be pres]v$ or popul> gov]nm5t is put 9 jeop>dy4 ,! fir/ bank ( deposit & disc\nt 0 ! ,bank ( ,v5ice1 9 ! republic ( ,v5etia4 ,x cont9u$ its exi/5ce = six hundr$ ye>s1 until ! gov]nm5t t gave x life itself p]i%$4 ,f its long cont9u\s bus9ess1 & its success z a bank1 x has be5 spok5 ( 9 e "w on bank+ z a model4 ,x began its association ) ! republic 9 #aaga1 & dom9at$ x1 sapp+ its life1 & assum+ its functions1 until ! bank practically rul$ ! /ate1 & :5 "o fell bo? p]i%$ 9 #agig4 ,! usur]s receiv$ _! hold on ! /ate 9 a "t ( ! greate/ ne$4 ,! republic _h be5 impov]i%$ by ! crusades1 & 0 9 dire f9ancial /raits4 ,advantage 0 tak5 ( ?is by ! usur]s to s b9d ! bank & /ate toge!r t :5 "o liv$ ! o!r mu/1 or bo? mu/ die toge!r4 ,/ock 9 ! bank 0 a loan to ! /ate at f\r p] c5t4 annual int]e/4 ,! union seem$ to promise great prosp]ity = a "t1 b really absorb$ all ! republic's vitality dur+ ! la/ hundr$ ye>s ( _! life4 ,v5etia 0 at ! fir/ a pure democracy4 ,! ,doge 0 elect$ by ! p & adm9i/]$ ! gov]nm5t1 himself be+ ! responsible head4 ,he1 lat]1 *ose advis]s1 or a cab9et1 to be associat$ 9 ! responsible duties4 ,aft] ?is1 & ab\t ! "t ( ! association ) ! bank1 a repres5tative c\ncil 0 elect$ by ! p1 & ! gov]nm5t 0 adm9i/]$ by ! ,doge & ?is c\ncil4 ,?is 0 gradually trans=m$ f a gov]nm5t ( ! p to an olig>*y2 & z ! ye>s pass$ !re 7 no /eps tak5 t[>d a return1 b ! au?ority & p[] 0 m & m c5traliz$4 ,! rul+ class 01 9 a hundr$ ye>s1 limit$ to ^? families enroll$ 9 ! ,gold5 ,book4 ,9 ano!r hundr$ ye>s ! gov]nm5t 0 9 control ( ! ,c\ncil ( ,t54 ,lat] ! secret tribunal ( ?ree 0 ! t]ror ( ! p & ! in/rum5t ( _! oppression4 ,! republic 0 only su* 9 "n1 ! p 7 depriv$ ( all voice 9 ! gov]nm5t1 & ! ,doge became a puppet to obey ! rul+ cabal4 ,%akespe>e w5t to ,v5ice to f9d 8 typical usur] 9 ,%ylock ! ,jew4 ,he f\nd !re also 8 typical ,*ri/ian1 ,antonio4 ,antonio 0 a b5evol5t great s\l1 :o lov$ 8 fri5ds1 support$ all b5evol5ces1 & hat$ ! usur]s4 ,%ylock hat$ him because he w\ld l5d )\t int]e/1 & 0 con/antly reprov+ him = 8 usuri\s practice4 ,! conte/ betwe5 ! usur]s & ! p ( ! ,v5etian republic 0 a /ruggle = ! life1 b ! usur]s nev] relax$ _! hold4 ,!y dom9at$ until ! end4 ,ano!r great triumph ( ! usur]s 0 9 ,engl& at ! "t ( great ne$4 ,william & ,m>y _h be5 plac$ ^u ! ?rone by ! ,prote/ants1 b 7 9 ne$ ( money to c>ry on ! /ruggle = its complete e/abli%m5t4 ,?is 0 ! usur]s' opportunity4 ,=m] k+s1 9 l /raits1 _h confiscat$ ! weal? ( ! usuri\s ,jews1 ,lomb>ds & ,goldsmi?s1 & appropriat$ _! prop]ty z a p5alty = _! un*ri/ian practice1 b ,william & ,m>y ent]$ into a contract ) !m to ga9 _! assi/ance1 giv+ !m special privileges to secure a p]man5t loan4 ,!y 7 to loan ! cr[n #a1bjj1jjj p\nds /]l+4 ,?is 0 nev] to be repaid1 b int]e/ at ! rate ( eight p] c5t4 p] annum 0 to be paid =ev]4 ,?is loan 0 a m>vel ( success4 ,!re 0 a great ru% ( usur]s to place _! money ) ! cr[n z a p]petual loan at t rate ( increase4 ,_! usuries1 :i* _h hi!rto be5 c\nt$ di%one/ ga91 7 h5ce=? to be honorable1 & !y e/eem$ z patriots4 ,?us1 ! fir/ ,prote/ant p[] 9 ! _w 0 e/abli%$ 9 ! h&s ( usur]s1 & b\nd to cont9ue associat$ ) !m =ev]4 ,! /ory1 by ,macauley1 ( ! e/abli%m5t ( ! ,bank ( ,engl&1 is famili> to all /ud5ts ( ,engli% hi/ory4 ,?is bank is a great corporation2 ! ,bo>d ( ,directors is compos$ ( tw5ty-six memb]s1 :o elect _! own successors1 & ?us x is entirely indep5d5t4 ,x makes laws = its own direction 9 ! "n ( ! p or defies _! control4 ,9 #agig x secur$ an ord] f ! privy c\ncil ord]+ itself to susp5d specie paym5t4 ,x obey$ its own ord] promptly1 & at ! same "t ann\nc$ _! /r5g? & t ! ord] w\ld be tempor>y2 b = "o excuse & ano!r x 0 cont9u$ = tw5ty-five ye>s4 ,sir ,rob]t ,peel1 9 #ahdd1 hav+ become conv9c$ ( ! dang]\s & disa/r\s influ5ce1 exp&+ & contract+ its loans1 secur$ ! enactm5t ( a law to regulate & limit its circulation4 ,?is law 0 di/a/eful to ! bank1 & 01 ^u its enactm5t1 defi$ by op5 disob$i5ce4 ,x has n only dictat$ ! laws = its own regulation1 b direct$ bo? ! dome/ic & ! =eign policy ( ! gov]nm5t4 ,x has subord9at$ ! public weal to f9ancial pr(it4 ,?is corporation ( usur]s manage all ! f9ances ( ! k+dom1 & has m influ5ce ?an ,cr[n & ,p>liam5t comb9$4 ,z a great uncr[n$ k+ x dictates ! diplomatic policies ( ! ,unit$ ,k+dom4 ,its influ5ce has n be5 ext5d$ to promote ,prote/ant ,*ri/ian fai?1 ,jews are n zeal\s = any ,*ri/ian sect2 nor = ! purpose ( lift+ up ! degrad$ & enlight5+ !m2 nor 9 ! ea/ has x ex]cis$ its p[] to relieve human suff]+1 b its diplomatic policy has be5 m]c5>y gre$ always4 ,x %\ld be not$ t ! enlight5$ ,*ri/ian p ( ! ,unit$ ,k+dom are n ! ,engli% gov]nm5t4 ,!re has be51 = two hundr$ ye>s1 a p[] beh9d ! ,?rone1 beh9d ,p>liam5t1 beh9d ! p1 ess5tially selfi% & comm]cial4 ,?is has controll$ ,india = pr(it1 :ile ! b5evol5t p 7 anxi\s to *ri/ianize & uplift4 ,x has befri5d$ ! ,turk :ile ,engl& wept ov] ! ,turki% b>b>ities4 ,x =c$ opium ^u ,*9a :ile ! ,*ri/ian p s5t mission>ies4 ,! p ( ,engl& love fre$om1 yet ! gov]nm5t has endeavor$ to cru% x 9 ! ,am]ican colonies & ev]y:]e ?r\gh\t ! _w1 :5 9 conflict ) a selfi% comm]cial policy4 ,! ,engli% p cry out aga9/ human slav]y1 yet 9 ! /ruggle 9 ! ,unit$ ,/ates1 :5 slav]y 0 9 ! balance1 ! ,engli% gov]nm5t e>ne/ly esp\s$ ! cause ( ^? :o upheld slav]y4 ,! ,engli% p rejoic$ t ! slave trade 9 ,africa 0 aboli%$1 yet ! gov]nm5t enact$ ! hut tax1 & compels n[ ! s]vice ( ! "y & vigor\s blacks 9 ! m9es1 s5d+ !m back to _! p :5 _! /r5g? decl9es4 ,9 ! e/abli%m5t ( ! republic ( ! ,unit$ ,/ates !re 0 a /rong resi/ance to any debt or subord9ation to usur]s4 ,! hi/ory ( banks 9 ! ,unit$ ,/ates %[s a /ruggle at ! bir? ( ! nation betwe5 ! usur]s1 :o dem&$ ! managem5t ( ! f9ances1 & ! p :o resi/$4 ,?is /ruggle cont9u$ = half a c5tury1 :5 ! p triumph$1 & = ?irty ye>s !re 0 no h9t ( a purpose to ov]?r[ :at 0 reg>d$ z ! settl$ policy ( ! nation4 ,! fir/ bank 0 incorporat$ 9 #agia4 ,its e/abli%m5t 0 /rongly resi/$1 b be+ urg$ by ! ,secret>y ( ! ,treasury1 a *>t] 0 grant$ = tw5ty ye>s4 ,:5 t *>t] expir$ by limitation 9 #ahaa1 !re 0 a /ruggle by ! usur]s to secure its r5ewal1 b !y 7 defeat$4 ,!y did n1 h[ev]1 ab&on _! ef=t4 ,9 #ahaf !y secur$ ! *>t] ( ! second bank ( ! ,unit$ ,/ates4 ,?is *>t] 0 also limit$ to tw5ty ye>s1 expir+ 9 #ahcf4 ,!re 0 a trem5d\s /ruggle = its r5ewal1 b ! *ief executive1 back$ by a /rong political p>ty1 s completely defeat$ x t ! usur]s = ! "t yield$1 & = ?irty ye>s ! settl$ policy ( ! gov]nm5t =bade ! alliance ) usur]s & ! mak+ ( any public debt4 ,_m ( ! lead+ /atesm5 ( t p]iod 7 v pron\nc$ 9 _! opposition4 ,! bank+ sy/em conc5trates & places ! p[] 9 ! h&s ( ^? :o control x4 ,nev] 0 an eng9e inv5t$ bett] calculat$ to place ! de/9es ( ! _m 9 ! h&s ( ! few1 or less favorable to t equality & indep5d5ce :i* lies at ! bottom ( our free in/itutions4--,j4,c4 ,calh\n4 ,i object to ! cont9uance ( ?is bank because its t5d5cies are dang]\s & p]nici\s to ! gov]nm5t & ! p4 ,x t5ds to aggravate ! inequality ( =tunes2 to make ! ri* ri*]1 & ! poor poor]2 to multiply nabobs & paup]s1 & to deep5 & wid5 ! gulf t sep>ates ,dives f ,laz>us4--,?omas ,h4 ,b5ton4 ,i s9c]ely believe t bank+ e/abli%m5ts are m dang]\s ?an /&+ armies4 ,i am n among ^? :o fe> ! p4 ,!y & n ! ri* are our dep5d5ce = cont9u$ fre$om4 ,& to pres]ve _! indep5d5ce1 we mu/ n let our rul]s load u ) p]petual debts4--,?omas ,jeff]son4 ,ev5ts h satisfi$ my m9d1 & ,i ?9k ! m9ds ( ! ,am]ican p1 t ! mis*ief & dang]s :i* fl[ f a national bank f> ov]balance all its advantages4--,&rew ,jackson4 ,! usur]s 7 compell$ to rema9 "u public condemnation dur+ ?irty ye>s1 z s5tim5t 0 /rongly aga9/ !m & conditions 7 n 9 _! favor1 b !y did n relax _! wat*ful ef=t nor ab&on hope ( ultimate success4 ,:5 ! nation 0 /ruggl+ to prev5t its dissolution 9 #ahfa-e1 & unusual w> measures seem$ necess>y to meet ! great em]g5cy1 ! usur]s saw _! opportunity & came =w>d1 z !y did 9 ,v5ice & ,engl&2 !y w\ld loan ! gov]nm5t ! funds necess>y to c>ry on ! w>1 if ! gov]nm5t w\ld comply ) _! conditions & grant !m ! privileges dem&$4 ,!y ask$ t _! loan be p]petual1 l ! ,engli% loan2 t !y %\ld be fre$ f ! burd5s ( ! gov]nm5t2 t _! loan %\ld be free f taxation2 t !y %\ld receive _! int]e/ semi-annually1 & n 9 ! common legal t5d]1 b 9 co92 t !y be p]mitt$ to issue _! own notes z curr5cy to be loan$ to _! cu/om]s2 t ! gov]nm5t discr$it its own issues & endorse !irs2 & t !y be giv5 a monopoly by tax+ out ( exi/5ce all opposition4 ,^! 7 great dem&s1 & 7 reg>d$ z extortionate & oppressive4 ,! /ruggle 0 sev]e1 b ! enemy 9 ! field 0 ?reat5+ ! life ( ! nation1 :ile ! usur]s 7 urg5t & pos+ z patriots1 t !y might accompli% _! ends4 ,true patriots1 anxi\s to defeat ! enemy 9 arms1 reg>d$ ^! usur]s at home z equally ! enemies ( fre$om4 ,!y 7 9 a /rait betwixt two foes4 ,secret>y ,mc,cullough said1 ,ho/ility to ! gov]nm5t has be5 z decid$ly manife/$ 9 ! ef=ts t h be5 made 9 ! comm]cial metropolis ( ! nation to depreciate ! curr5cy z has be5 by ! enemy4 ,! opposition to ! usur]s 0 v /rong & bitt]1 b ! conditions 7 9 _! favor & !y ga9$ a decid$ advantage4 ,9 ! ,s5ate ! vote /ood tw5ty-?ree yeas to tw5ty-"o nays4 ,x 0 c>ri$ only z a w> measure4 ,!re 0 an ef=t to limit ! usur]s' privileges to ! w> & "o ye> aft] its close4 ,?is 0 n successful1 b _! loan 0 conf9$ to ! w> debt1 & _! "t to its paym5t1 limit$ to tw5ty ye>s4 ,?is action caus$ great di/ress & d>k =ebod+s ( evil to _m ( ! ?\ghtful4 ,x 0 sett+ aside ! policy ( ! nation1 :i* _h be5 g5]ally acquiesc$ 9 z wise & judici\s & safe = _m ye>s4 ,! old patriot ,?adeus ,/ev5s1 9 ! op5+ ( a spee* 9 a prelim9>y skirmi% betwe5 patriotism & usur]s1 said3 ,i approa* ! subject ) m depression ( spirits ?an ,i ev] be=e approa*$ any "q4 ,no p]sonal motive or feel+ influ5ces me4 ,i hope n1 at lea/4 ,i h a melan*oly =ebod+ t we are ab\t to consummate a cunn+ly devis$ s*eme1 :i* w c>ry great injury & great loss to all classes ( p ?r\gh\t ! ,union1 except "o4 ,lat] he said1 9 excuse ( ! action1 ,we _h to yield1 we did n yield until we f\nd t ! c\ntry mu/ be lo/ or ! banks gratifi$1 & we h s\ght to save ! c\ntry 9 spite ( ! cupidity ( its weal?i] classes4 ,! usur]s h nev] relax$ ! hold !y secur$ by ?is victory1 & h s9ce be5 cont9ually increas+ _! p[]4 ,!y obta9$ an ext5sion or refund+ ( ! w> debt1 & a r5ewal ( _! *>t]s by ! g5]al laws1 s _! hold is indef9itely ext5d$4 ,bonds are no long] limit$ to ! cov]+ ( w> exp5ses1 b are issu$ freely 9 times ( peace4 ,! traditions ( ! fa!rs h be5 ca/ to ! w9ds1 & _! fe>s d]id$ & _! policy *ang$4 ,! usur]s h be5 firmly 9 ! saddle = _m ye>s1 & h defeat$ e ef=t t has be5 made to unseat !m4 ,! great debts ( ! nations h br\ght all mank9d into subjection to ! usur]s4 ,^? :o hold ! bonds h ! de/9ies ( ! race 9 _! h&s4 ,!y p]v]t ! ends ( gov]nm5t2 ! protection ( life1 lib]ty & ! highe/ good ( all ! p2 !y make gov]nm5ts _! tools to ga!r & appropriate ! e>n+s ( ! _m4 ,!y h exalt$ ,mammon ^u ! ?rone ( ! _w1 & sc(f at ! ,god ( heav51 :o seeks ! poor & ne$y1 & :o w\ld 9 love lift up e son & daught] ( ! :ole race4 ,milton pres5ts ,mammon z "o ( ! devils ca/ out ( heav5 ) ,satan1 & z say+ 9 ! c\ncil ( ! demons1 ,:at place c be f\nd = u )9 heav5's b\nd1 unless heav5's ,"l we ov]p[]8444 ,h[ we>isome et]nity s sp5t 9 wor%ip paid1 to "o we hate4 ,! reign ( ,mammon subord9ates "* & virtue & lib]ty & human life to sordid ga91 yet he holds ! scept] ( p[]4 ,he elects legislators & s5ators4 ,he elects gov]nors or directs _! arre/ if !y refuse to obey him4 ,he elects presid5ts & dictates _! policies4 ,he places k+s on _! ?rones & holds !m !re :ile !y d 8 bidd+4 ,he /rips a ,kh$ive ( p[]1 & yet reta9s him z a collector ( rev5ue4 ,he /eadies ! ,sultan's tott]+ ?rone1 & compels six great ,*ri/ian p[]s to /& by 9 sil5ce :ile humanity is outrag$4 ,! ,arm5ian's blood mu/ be p]mitt$ to fl[ because ! p]secution is by a great s]vant1 ! ,sultan1 :o pays int]e/ on bonds1 & 8 victims are only freem54 ,! murd] ( "o hundr$ ?\s& ,arm5ians meant no?+ to ,mammon4 ,b :5 ! ,cretans 7 p]secut$ by ! same ,sultan1 ! suff]+ & blood%$ 0 soon ord]$ /opp$ by ^! same six p[]s1 at ,mammon's comm&4 ,! ,cretans 7 s]vants ( ! common ma/]2 ! ,cretan bonds 7 endang]$4 ,! cry ( suff]+ humanity came up to deaf e>s1 b ! cry ( endang]$ bonds 0 he>d f af> by ?is reign+ god ( weal?4 ,! little republics ( ,africa 7 freem51 & !re=e ,mammon sees !m /rangl$ ) indiff]5ce4 ,mammon ga!rs ! civiliz$ nations ar\nd ,*9a & dem&s t %e %all be enslav$ by all ! bonds %e c safely c>ry or submit to vivisection & di/ribution4 ,?is enslavem5t ( ! race is n by ! de/roy+ ( intellig5ce1 nor by d5y+ ! fir/ pr9ciples ( civil lib]ty1 nor by cru%+ ! aspirations = fre$om1 b by produc+ conditions t make ! application ( ^! pr9ciples & ! ex]cise ( fre$om impossible4 ,?\gh ! race may increase 9 intellig5ce & !oretically h correct views ( p]sonal fre$om & civil lib]ty1 yet ! conditions produc$ necess>ily by usury utt]ly prev5t _! realization4 ,! intellig5ce & aspirations ( ! race nev] 7 high] ?an at pres5t1 _! subjection & subord9ation to mat]ial weal? 0 nev] m complete4 ,! scept] :]e9 lies ,mammon's p[] to sway ! nations is usury4 ,:5 bonds be> no increase 8 sov]eignty is gone4 ,all motive to involve ! nation 9 debt at once disappe>s1 & ! p[] to control is lo/4 ,moses' law 0 div9ely wise t =bade int]e/1 t 8 p c\ld n be enslav$ & might rema9 a free p =ev]4 ,,*apt] ,,xxxi4 ,,effect ,,on ,,"*4 ,! greate/ factor 9 life 9 all ages is n mat]ial weal?1 nor social position1 nor g5ius1 nor education1 b "*4 ,s9ce man is above ?+s1 ! highe/ purpose is n ! ga!r+ ( t b5ea? him1 b ! develop+ ( ! be/ & noble/ t is 9 him4 ,! highe/ possible purpose & "w is ! develop+ ( virtu\s manhood4 ,?is 0 ! ?\ght ( our fa!rs :5 !y came to ^! %ores & built _! homes & e/abli%$ ! free in/itutions :i* we n[ enjoy4 ,!y sacrific$ mat]ial advantages t !y might be free m5 & secure = !mselves & = _! *ildr5 ! opportunity to rea* 9 fai? & practice ! ideal manhood4 ,no mat]ial advantage c be reg>d$ ) favor t is detrim5tal to ! *>act]s ( m54 ,position1 weal?1 education1 are worse ?an wor?less :5 associat$ ) a corrupt$ manhood4 ,ill f>es ! l&1 to ha/5+ ills a prey1 ,:]e weal? accumulates1 & m5 decay4 ,! te/ ( tru? is its develop+ ( ! virtues & graces4 ,falsehood is detect$ by its quick5+ ! vices t degrade & de/roy4 ,by _! fruits %all ye "k !m4 ,virtues are l9k$ toge!r s t ! promot+ ( "o gives /r5g? to ! o!rs4 ,all vices are also s l9k$ t ! /imulat+ ( "o quick5s o!r vices4 ,virtues & vices are opposite1 s t ! enc\rag+ ( a vice or fault disc\rages ! oppos+ virtue4 ,:5 y disc\rage a virtue1 y enc\rage a vice4 ,! old-fa%ion$ virtues :i* our fa!rs priz$1 & :i* !y reg>d$ ess5tial elem5ts ( wor?y manhood1 7 indu/ry1 & hone/y1 & self-reliance1 & bro!rly sympa?y1 & ! dev\t recognition ( ,god's div9e sov]eignty4 #a4 ,usury disc\rages indu/ry & enc\rages idl5ess4 ,! labor] is /irr$ to dilig5ce :5 he gets good wages4 ,:5 8 wages are meag] he becomes disc\rag$1 relaxes 8 ef=ts & may ab&on 8 "w altoge!r4 ,:5 he kn[s t he is receiv+ less ?an he is e>n+1 & t a "p ( 8 e>n+s are appropriat$ by ano!r1 he is embitt]$ & becomes indiff]5t4 ,:5 he receives all he e>ns1 & ! m dilig5t he is 9 8 "w ! m he receives1 he is /imulat$ to ! utmo/4 ,?is w be especially true if x is made impossible to secure a ga9 )\t e>n+ x4 ,! b5efit ( full wages may be l>gely lo/ by ! k ( p]sons :o1 )\t productive ef=t1 are appropriat+ ! e>n+s ( o!rs4 ,! influ5ce ( _! easy1 indol5t lives may de/roy or c\nt]act ! b5efic5t influ5ce ( good wages4 ,! labor] may be l$ to despise 8 well-paid tasks & ye>n = _! ease1 & ?us become indol5t4 ,"o is enc\rag$ to idl5ess :5 he discov]s t he c secure 8 bread by ! sweat ( ano!r's face4 ,he is likely to relax 8 ef=ts if he does n =sake all p]sonal productive occupations4 ,he may give great c>e & ! close/ att5tion to ! managem5t ( 8 weal?1 loan+ to o!rs & collect+ ! increase1 b n to productive indu/ry4 ,!re are activities t look l virtues1 b !y are p]v]t$ ef=ts4 ,! slave-driv] may "w z h>d z ! slave 9 8 ef=ts to appropriate ! e>n+s ( o!rs4 ,! ?ief may "w 9 ! night & endure m h>dness to secure ! prop]ty ( ano!r ?an w\ld be necess>y to hone/ly e>n x4 ,! usur] may give 8 ?\ght1 night & day1 to ! plac+ ( 8 weal? ! mo/ securely & at ! be/ rates ( int]e/1 & at ! same "t ab&on all ef=t 9 ! direct managem5t ( useful productive ent]prises4 ,! complete result ( usury ^u ! habit ( indu/ry c be realiz$ 9 ^? :o h gr[n up "u its influ5ce2 ^? :o h an income secure f inve/$ funds4 ,:5 !re is no ne$1 pres5t nor prospective1 !re is no motive to active indu/ry1 & ! love ( ease & pleasure gr[s & drives out all he>t = productive ef=t4 ,! indu/ri\s habit c\pl$ ) economy is call$ ?rift4 ,x is n p>simony or unwill+ness to give1 b a disposition to save4 ,our ,"l1 :o 0 ! pr9ce ( giv]s & inculcat$ unlimit$ giv+ among 8 foll[]s1 gave a lesson 9 ?rift :5 he said aft] 8 miracle1 ,ga!r up ! fragm5ts1 t no?+ be lo/4 ,en=c$ indu/ry & economy is n ?rift4 ,:5 by l[ wages or gr9d+ conditions ! necessities ( life are ) difficulty secur$1 ! v opposite disposition may be cultivat$4 ,:5 ! ext]nal re/ra9ts are remov$1 ! wilde/ extravagance may be indulg$ 94 ,?is is sometimes giv5 z an excuse = l[1 gr9d+ wages2 t ! workm5 & _! wives h no idea ( sav+2 t high] wages w\ld be wa/$ 9 fooli% extravagance4 ,no "o 9 normal conditions w be wa/eful ( t :i* has co/ him h>d labor4 ,8 c>e = x w naturally be 9 proportion to ! ef=t t 0 necess>y to secure x4 ,^? :o wa/e ! weal? ( ! _w are n ^? :o by ! sweat ( _! faces h produc$ x4 ,! habit ( ?rift comes f ! k ( ! value ( a ?+1 le>n$ by e>n+ x4 ,only t :i* comes )\t ef=t w be sp5t )\t ?\ght4 ,^? :o h liv+s secur$ f ! increase or int]e/ ( productive capital1 hav+ no ne$ ( indu/ry1 are :olly occupi$ ) ! sp5d+2 b 9 sp5d+ only1 ! value ( ! ?+ sp5t is n appreciat$1 ! habit ( extravagance gr[s & !y become ! idl]s & ! sp5d?rifts ( ! _w4 #b4 ,x prev5ts op5 & frank hone/y4 ,:5 ! ?\ght is turn$ to an endeavor to secure a doll> t is n e>n$1 !re is secretiv5ess ( purpose & inw>d guile4 ,no p]son do+ bus9ess on borr[$ capital adv]tises ! numb] & am\nt ( 8 loans nor does he welcome inquiry by o!rs4 ,9 a column ( adv]tisem5ts by money l5d]s 9 a newspap] ly+ on ?is table e "o promises privacy or no publicity4 ,no "o c be s op5 & frank z ! "o :o e>ns e doll> t he receives or seeks4 ,! possibility ( speculation is ru9\s4 ,! fir/ /ep 9 ! wreck ( integrity 9 a "y man's "* is :5 he becomes absorb$ 9 "s s*eme by :i* he c secure ga9 )\t hone/ly e>n+ x4 ,lott]ies are outlaws n only because !y defraud b !y und]m9e integrity & hone/ indu/ry4 ,:5 prop]ty e>ns prop]ty1 & ! ga9 is secur$ ) no /ruggle on 8 "p1 ! temptation is pres5t$ & ! dis9tegration ( 8 "* has begun4 ,:5 !re is no ga9 except by production1 ! :ole ?\ght & en]gy ( ! man is direct$ to t end1 & 8 desire to secure t e>n$ by ano!r is re/ra9$4 ,! frank1 op5 disposition is pres]v$4 ,hone/ productive toil drives out ! _s ( speculation4 ,"u usury1 bo? l5d] & borr[] are 9 ! attitude ( expectants ( une>n$ ga94 #c4 ,x disc\rages ! _s ( self-reliance4 ,usury causes a broad sep>ation betwe5 a man ( prop]ty & ! man ( m]e muscle or bra94 ,x makes su* l>ge comb9ations ( capital possible 9 imm5se %ops & dep>tm5t /ores & o!r ent]prises1 t ! individual workman is belittl$4 ,"u ! pr9ciple ( usury1 prop]ty c produce z well z bra9 or muscle4 ,"o hav+ prop]ty c control bo?4 ,8 prop]ty places him 9 a position z a sup]ior4 ,he comes to =get ! relations he be>s to m5 z equals1 & requires t ^? :o h only _! natural gifts %all be cr++ supplicants be=e him or be d5i$ 8 favor4 ,! borr[] or ! labor] :o ass]ts 8 rights is endang]$ by ! man controll+ prop]ty1 :o has him 9 8 p[]4 ,t indep5d5t1 self-reliant _s1 t looks e man 9 ! face z an equal yet l+]s 9 ! c\ntry among ! hills & m\nta9s1 b is fa/ disappe>+ f ! city4 ,!re has come to ! labor] 9 ! t[n or city a feel+ ( dep5d5ce ^u o!rs & a desire to secure _! favor4 ,!y almo/ feel t !y mu/ apologize = be+ labor]s1 & beg = an opportunity to e>n a liv+ 9 "s "o's employ4 ,"o ( ! sadde/ facts1 & mo/ ?reat5+ ( disa/] 9 ^! pres5t comm]cial conditions1 is ! common desire to be employ$1 to get a job1 dep5d5t on ! :im ( ano!r1 in/ead ( a det]m9ation to direct "o's own labor & be ! manag] ( "o's own bus9ess4 ,! s\nd educational developm5t is want+ 9 ! daily occupation ( ! hir$ labor]1 & !re is a loss ( manhood t has no comp5sation4 ,! indep5d5t _s slips away s gradually t its go+ is sc>cely notic$1 b :5 once gone ! degradation is complete4 ,a family ( free ,hebrews w5t d[n into ,egypt1 & = a long "t 0 9 favor ) ! rul]s1 b !y gradually lo/ _! indep5d5ce & became m & m s]vile & cr++ until ! ,egyptian ma/]s d>$ to g into _! homes & pick up _! boy babies & take !m out & dr[n !m z if !y 7 wor?less puppies4 ,! hopelessness ( ! ,ottoman ,empire today is m 9 ! cr++ subord9ation & brok5 _s ( ! p ?an 9 ! oppression ( ! ,sultan4 ,8 gov]nm5t might be ov]?r[n 9 a day1 b x w\ld take ages to lift up t empire ( pro/rate slaves & to cultivate 9 !m ! self-ass]tion & self-reliance necess>y to a free p4 ,e man :o loves 8 c\ntry & 8 race mu/ view ) al>m ?is gr[+ feel+ ( subord9ation & cr++ disposition4 ,x is ! v rev]se ( t democratic _s or consci\sness ( equality t mu/ prevail to secure ! p]man5cy ( our republican in/itutions4 #d4 ,x de/roys frat]nal sympa?y4 ,two classes are f\nd 9 e mod]n community4 ,! "o is ! labor]s ) muscle or bra91 ! o!r class1 ^? ^: prop]ty produces = !m4 ,betwe5 ^! classes !re is a great wall fix$4 ,x _c be expect$ t !y w m+le h>moni\sly & be 9 sympa?y 9 civil & social relations4 ,produc+ & non-produc+ classes c nev] be cong5ially associat$4 ,! "q is frequ5tly discuss$ 9 *ur* circles1 ,h[ c ! labor+ man be attract$ to ! *ur*es8 ,! discussion (t5 presumes t ! non-labor+ man does f9d ! *ur* cong5ial4 ,if he does1 all ef=ts to w9 ! o!r class w be 9 va94 ,! *ur* itself ne$s to correct its tea*+s & re=m its _s4 ,! moral law comm&s ,six days %alt ?\ "w1 & !re is no release because a man has prop]ty4 ,s long z a man has bra9 or brawn he is b\nd by t law4 ,if he is n1 he is n a moral man1 & has no rightful place 9 ! *ur* ( ,god4 ,hone/1 upright1 indu/ri\s ,*ri/ian m51 engag$ 9 all l9es ( production = human ne$s1 may be cong5ial & co-op]ate mo/ h>moni\sly1 b !y nev] c be made com=table 9 association ) ^? :o are unproductive & idle1 yet liv+ 9 luxury4 #e4 ,usury promotes t ,covet\sness :i* is idolatry4 ,z hea!ns place _! confid5ce 9 idols1 s do? ! av>ici\s man place 8 confid5ce 9 silv] & gold4 ,! covet\s p]son1 ?\gh he do? n inde$ believe 8 ri*es or 8 money to be ,god1 yet by s lov+ & tru/+ 9 !m1 z ,god alone ought to be lov$ & tru/$ 91 he is z truly guilty ( idolatry z if he s believ$4 ,idolatry is ! act ( ascrib+ to ?+s or p]sons prop]ties t are peculi> to ,god4 ,! pr9cipal objects ( wor%ip are ^? ?+s :i* br+ to m5 ! greate/ good4 ,! sun has be5 ! mo/ g5]al object ( idolatr\s wor%ip 9 all ! ages4 ,x is ! mo/ conspicu\s object1 & is ! s\rce ( light & heat1 & rules ! seasons4 ,its wor%ip 0 s g5]al t ! ,hebrew p1 :5 !y laps$ f ! wor%ip ( ,god1 turn$ to ! wor%ip ( ! sun or ,baal4 ,no natural object is m wor?y ( wor%ip4 ,job decl>+ 8 integrity & fre$om f idolatry1 said t he _h n kiss$ 8 h& 9 salute ( ! sun 9 8 ris+4 ,! riv] ,nile 0 an object ( idolatr\s wor%ip = ages4 ,its s\rce 0 a my/]y1 & its annual rise 9 its ra9less valley 0 s b5efic5t1 t x 0 giv5 ! wor%ip :i* belong$ to ! ,div9e alone4 ,all ! hope ( ! h>ve/ dep5d$ on its annual ov]fl[4 ,x moi/5$ & f]tiliz$ & prep>$ ! gr\nd1 & !n rec$$ until ! h>ve/ 0 gr[n & ga!r$4 ,moses %[$ ! ,egyptians ! impot5ce ( _! idols by mak+ ?is *ief idol1 & ! ?+s t came out ( x1 a curse4 ,! c[ 0 wor%ip$ because x 0 ! mo/ useful & necess>y ( _! animals4 ,a real or suppos$ p[] to give or )hold favors has be5 f ! beg9n+ ! s\rce & spr+ ( idolatry4 ,ri*es1 prop]ty1 z ! means ( supply+ our ne$s1 is an object m covet$ ?an any o!r4 ,! pr9ciple ( usury greatly aggravates ?is t5d5cy4 ,! pr9ciple ( usury makes x imp]i%able2 x c be p]petuat$1 unimpair$ f ye> to ye> & f age to age2 x is a con/ant s\rce ( b5efit2 x is productive ( all t is necess>y to supply human ne$s4 ,x supplies1 too1 )\t ef=t on ! "p ( ! recipi5t4 ,! sun1 ) 8 light & heat1 makes ! labor ( ! f>m] successful4 ,! ris+ ,nile moi/5+ & f]tiliz+ ! l&1 prep>es ! way = ! s[]4 ,! c[ draws ! pl[ & ! h>r[1 & ?re%es ! gra91 b usury makes prop]ty br+ all ne$$ mat]ial good )\t ef=t on ! "p ( ! own]4 ,x br+s him ! matur$ fruits ( ! f>m1 ?\gh he nei!r pl[s or s[s nor reaps4 ,no labor on 8 "p is ne$$4 ,8 prop]ty clo!s & fe$s him1 & yet does n gr[ less1 b is end[$ ) p]petual y\?1 ev] giv+ yet nev] exhau/$ or dim9i%$4 ,he may die1 b 8 idol kn[s no decay1 & may cont9ue to bless 8 *ildr5 ?r\gh ! g5]ations4 ,?is quality ( ri*es makes !m a great] s\rce ( bless+ ?an ! sun or any o!r object ( idolatr\s wor%ip4 ,?is leads to unlimit$ self-d5ial & sacrifice to ga9 & reta9 prop]ty4 ,! devotees subord9ate _! own ease & physical com=t1 _! own intellectual developm5t1 to secure x1 !y w !mselves %rivel 9 body & s\l2 l o!r idolat]s !y w ev5 yield ! highe/ int]e/s ( _! *ildr51 :5 ?is idol dem&s _! sacrifice4 #f4 ,x de/roys spirituality4 ,prop]ty is matt] & n _s4 ,) ! ?\ght & he>t & ef=t direct$ to a mat]ial ?+1 ! _s is neglect$4 ,! hea!n ,greek arti/ direct$ 8 :ole att5tion to ! mat]ial "p ( man4 ,! symmetry ( ! human physical =m 0 8 /udy4 ,! p]fect man 0 ! mo/ symmetrically develop$ specim5 ( physical =m4 ,8 ?\ght ( man 0 matt]4 ,! ,*ri/ian directs 8 ?\ght to ! _s1 8 m9d & he>t1 8 noble purposes1 & all ! qualities ( true manhood4 ,! mat]ial "p is subord9at$ to ! spiritual4 ,! t5d5cy n[ is to appreciate a man = :at he has r ?an = :at he is1 to ignore bo? symmetry ( =m & ! graces ( ! noble "*1 & to wor%ip :at he holds 9 8 h&s4 ,! truly spiritual loves true manhood & is indiff]5t to ! possessions4 ,if a noble s\l is f\nd 9 a ,laz>us1 ! true *ild ( ,abraham w take him to 8 bosom4 ,a p]v]t$ manhood w receive no favor ?\gh clo!d & surr\nd$ ) all mat]ial spl5dor4 ,x de/roys spirituality1 too1 because x holds ! m9d to a mat]ial ?+ z ! s\rce ( all good4 ,! spiritual man rises to ! true s\rce ( our bless+s1 ! au?or ( all temporal good1 f ^: h& e liv+ ?+ is f$4 ,?is1 z all idolatry1 leads to a break+ away f ! re/ra9ts ( ! moral law4 ,! devotion to ! mat]ial leads1 logically & practically1 to a neglect ( ! re/ra9ts ( ! spiritual1 & a prepond]ance ( subs]vi5cy to ! mat]ial4 ,practices t w promote ! mat]ial are indulg$ ?\gh ! moral law may be brok54 ,! mat]ial is n held subject to ! ne$s ( ! high] nature1 nor subject to ! promotion ( ! k+dom ( ,god1 b man's noble/ gifts & ! wor%ip ( ,god are all made1 if possible1 to m9i/] to ! mat]ial int]e/s4 ,to break ?is idol's p[]1 ! true nature ( prop]ty mu/ be %[n4 ,x is n immortal1 b p]i%able4 ,x c n pres]ve itself1 b mu/ be c>efully pres]v$ by man's own ef=t4 ,x c n protect him1 b he mu/ protect x4 ,x is b a ?+ :i* man has himself made4 ,x mu/ be %[n absurd1 z ,isaiah ridicul$ x1 ,!y wor%ip ! "w ( _! own h&s1 t :i* _! own f+]s h made4 ,o!r =ms ( gross ext]nal idolatry are expos$ by ! advanc+ light ( ^! progressive ye>s1 b ?is mu/y old =m has tak5 new life & n[ receives ! s]vice ( ! race4 ,! :ole _w is runn+ pell-mell aft] ?is idol4 ,x /&s 9 ! m>ket places1 x is n a /rang] 9 ! c\rts ( ju/ice1 & is 9 high favor 9 legislative halls4 ,solon is relegat$ & ,croesus is elect$4 ,x is giv5 a high place 9 ! temple ( ,god4 ,pi\s ,laz>us is neglect$ b ,dives is promot$4 ,:at agreem5t ha? ! temple ( ,god ) idols8 ,until ?is idol is ca/ out ! *ur* w & mu/ langui%4 ,spiritual life w be l[ & f]vor impossible4 ,,*apt] ,,xxxii4 ,,ax ,,at ,,root ,,( ,,! ,,tree4 ,x is easi] to cut d[n an evil tree ?an to climb up & lop (f x bran*es2 besides ! bran*es w gr[ aga9 if ! /ock is left undi/urb$4 ,x is easi] to de/roy ! "m ( vip]s ?an x is to *ase aft]1 cat* & kill h] poison\s prog5y4 ,! reptiles w n become ext9ct :ile ! "m is left to bre$ )\t re/ra9t4 ,!re are a l>ge numb] ( indu/rial & f9ancial evils t d]ive _! /r5g? f usury1 :i* h receiv$ ! close att5tion ( b5evol5t re=m]s1 b !y h n expos$ ! cause1 nor h !y sugge/$ a suffici5t rem$y4 ,t ! evils exi/ is app>5t to !m all1 b !y seem too high to rea* or too swift to be caught4 ,x is only possible to h9t at ! prevail+ evils 9 "o *apt]4 ,x w\ld require a volume to discuss !m 9 detail & to apply ! rem$y4 #a4 ,!re is a t5d5cy to div]g5ce 9 ! mat]ial & f9ancial conditions ( m54 ,"s are gr[+ ri*]1 :ile o!rs are gr[+ poor]4 ,! pray] ( ,agur1 ,give me nei!r pov]ty nor ri*es1 is ! pray] we %\ld (f] & ! pray] we %\ld try ourselves to answ]4 ,we are to seek fre$om f pov]ty on ! "o h& & f ensn>+ ri*es on ! o!r4 ,?is is ! condition we %\ld try to secure 9 ! community & 9 ! commonweal?4 ,we %\ld disc\rage excess ( ri*es & we %\ld endeavor to relieve all ( di/ress+ pov]ty4 ,we %\ld h$ge ab\t accumulation ) su* conditions z to make x v difficult to ga9 great weal?1 & at ! same "t we %\ld s ease ! conditions ( accumulation t only gross indol5ce or great mis=tune c\ld cause dep5d5t pov]ty4 ,! s call$ middle class are ^? :o nei!r h great ri*es nor yet are !y 9 fe> ( want4 ,! great mass ( our p belong$ to ?is class until v rec5t times4 ,n[ we f9d ! excessively ri* h multipli$ & a va/ numb] ( our indu/ri\s1 hone/ & virtu\s population are /ruggl+ = life's necessities4 ,! middle class is less num]\s :ile bo? ^? 9 opul5ce & ^? 9 pov]ty h be5 increas+4 ,we %\ld level up & level d[n to ! m$ium :i* is be/ = ! developm5t ( ! highe/ manhood & be/ also = ! /r5g? & p]petuity ( our republican in/itutions4 ,! ri* %\ld be limit$ 9 _! accretions :ile ! poor are lift$ out ( _! pov]ty2 b h[ c ?is be accompli%$ )\t int]f]+ ) individual lib]ty & our p]sonal rights8 ,! problem is n easily solv$4 ,:ile usury rema9s1 :i* is an ev] active c5traliz+ =ce add+ weal? to weal?1 no rem$y c be f\nd4 ,d away ) usury1 & ! evil is ov]come4 7a7 ,:5 x is recogniz$ t vital en]gy alone produces all weal?1 no great =tune c be ga!r$ 9 ! life "t ( "o man4 ,! e>n+s ( any life1 h[ev] long1 or ! e>n+s ( a succession ( indu/ri\s1 en]getic ance/ors1 c\ld n amass a =tune to int]f]e ) ! rights & activities ( o!rs4 ,"o may inh]it a l>ge =tune f weal?y k9dr$2 he may discov] a =tune2 he may draw a gr& prize 9 a lott]y2 he may z a ,turk seize ! prop]ties ( o!rs & !n bribe ! c\rts to confirm 8 claims2 or a p may be held up by law & "o1 selfi% & consci5celess z a gh\l1 may jump at ! opportunity & appropriate _! e>n+s & _! prop]ty & yet ! robb] keep out ( ! p5it5ti>y2 b no "o1 h[ev] great 8 skill or brilliant 8 g5ius1 c e>n "o million doll>s1 nor ! t5? ( x1 9 8 natural life4 ,to ga9 "o million doll>s "o mu/ e>n tw5ty ?\s& doll>s ea* ye> = fifty ye>s & save x all4 ,he mu/ sp5d no?+ = pleasure nor b5evol5ce4 ,he mu/ sp5d no?+ = food nor = clo!s4 7b7 ,weal? decays unless c>$ = & pres]v$4 ,z weal? increases1 ! task ( protect+ & pres]v+ x increases4 ,!re comes a "t :5 production mu/ cease1 & all en]gy w be requir$ to pres]ve t already ga9$4 ,:5 o!rs pres]ve & pay a price = ! privilege1 z 9 usury1 ! vital en]gy c cont9ue production1 indef9itely4 7c7 ,aboli% usury & ! in/ant "o ceases to produce he beg9s to consume t :i* he has e>n$4 ,he c n live ^u ! increase ( 8 e>n+s1 b he mu/ beg9 at once to dim9i% ! supply4 ,exact+ usury he may consume only ! increase & pres]ve ! pr9cipal unt\*$4 ,he may n consume all ! increase & add ! rema9d] to 8 capital & ?us gr[ ri*] 9 decrepit age4 ,_m ( ^? :o h n inh]it$ weal?1 h n be5 weal?y until advanc$ age4 ,x came to !m by ! accretions ( int]e/ aft] ! productive p]iod ( life 0 pa/4 7d7 ,x is n possible to secure p]fect equality ( conditions4 ,if all weal? 0 equally di/ribut$ today diff]5ces w\ld beg9 to appe> tomorr[4 ,?is has seem$ to "s di%e>t5+ & !y ab&on all hope ( correct+ ! evil4 ,!y %\ld look deep] & promote ! natural & ,god-orda9$ rem$y4 ,! natural =ce = ! pres]vation ( ! level ( ! ocean is gravity4 ,b ! surface is seldom smoo?4 ,! w9ds la% x into fury & pile high its waves1 b gravity pull+ ^u e drop ( wat] t5ds to draw x back to its place & smoo? d[n ! surface aga94 ,! w9d _c build p]man5tly a m\nta9 ( wat] 9 ! ocean4 ,! consumption & decay ( weal? t5ds un5d+ly to equalize ! conditions ( m54 ,9 ! wild ru% ( ! /ruggle = supremacy & ga91 l a :irlw9d 9 ! affairs ( m51 ) _! div]se gifts & ta/es & plans1 !re w be inequalities appe>+1 b consumption & inevitable decay are ev] pres5t level+ p[]s4 ,usury susp5ds ?is b5efic5t law & aggravates ! evil1 mak+ ! diff]5ces 9 condition p]man5t & increas+ !m4 ,d away ) usury & !re is a natural limitation to ri*es4 ,! ri* w f9d t he c n gr[ con/antly ri*]2 n because he is by /atute depriv$ ( any p]sonal rights1 b he is h9d]$ by ! natural law emb$d$ 9 ?+s by ! ,creator4 ,d away ) usury & ! problem ( pov]ty is solv$4 ,if we cr$it vital en]gy ) ! increase ( weal? & give ! labor] all he e>ns1 he has a fair & equal *ance1 & equity requires no m4 ,x is ju/ice & opportunity1 a fair *ance1 t ! poor ne$1 n pity & gifts ( *>ity4 #b4 ,great comb9es ( capital 9 bus9ess & especially 9 indu/rial tru/s are receiv+ ! close/ att5tion ( ! ?\ghtful4 ,"s reg>d !m z ! necess>y result ( successful & enl>g+ bus9ess4 ,_m o!rs reg>d !m z ho/ile to ! public good & are anxi\sly seek+ a means ( re/ra9+ _! great & increas+ p[]4 ,^! 7 at ! fir/ associations ( manufactur]s :o co-op]at$ to ma9ta9 prices4 ,9 ! competitive sy/em !re is a con/ant pressure on ! "p ( ! consum] = l[] prices4 ,! manufactur] :o is consci5ti\s & a model employ]1 seek+ to ma9ta9 prices suffici5tly high to af=d him a pr(it & liv+ wages = 8 employes1 mu/ ev] be resi/+ ?is pressure4 ,!y unit$ = ?is purpose & 7 b5evol5t & j 9 _! design4 ,b ! manufactur]s 7 pay+ tribute on borr[$ capital4 ,!y mu/ meet ! dem&s ( int]e/ on _! debts & also ! wages ( _! workm54 ,betwe5 ^! two !y /ruggl$ to secure = !mselves com=table wages4 ,! capitali/s1 see+ ! advantage ( ?is co-op]ation & ! resultant pr(its1 und]took & accompli%$ ! comb9ation ( _! capital to secure = !mselves ! pr(its at fir/ s\ght = ! op]ators & _! employes4 ,^! great comb9es are ! natural result ( successful bus9ess ) ! practice ( usury4 ,!y ?reat5 evil4 ,! purpose & plan ( ! pres5t tru/ is to increase ! increase ( ! capital2 to make ! capital m productive2 to br+ l>g] returns = ! weal? inve/$4 7a7 ,!y are n organiz$ = ! b5efit ( ! labor]4 ,! object is to decrease ! co/ by produc+ ) less labor4 ,! less ! labor1 o!r ?+s be+ equal1 ! great] ! returns = ! capital inve/$4 7b7 ,!y are n organiz$ = ! b5efit ( ! consum]4 ,:5 !y d favor ! consum] x is only incid5tal & g5]ally tempor>y to meet competition4 ,!y make no pret5ce ( be+ b5evol5t 9 _! purposes4 ,!y are organiz$ = ! purpose ( bus9ess ga94 7c7 ,^! capitali/s comb9e _! int]e/s because !y c !reby secure a great] return f _! inve/m5ts ?an !y c by op]at+ sep>ately4 ,!y comb9e t !y may mutually increase ! rate ( int]e/ or divid5ds on _! capital4 ,?is is ! motive t draws !m into cop]ation4 ,! le>n$ & b5evol5t /atesm51 tea*]s ( economy & re=m]s1 h n sugge/$ an adequate rem$y4 ,! rem$y is n f> to f9d4 ,d away ) usury & !y w fall ap>t l balls ( s&2 ! cohesive p[] w be gone2 ! c5tralization w cease & ! weal? w spe$ily return to ! v>i\s individuals f :om x 0 ga!r$4 ,?is rem$y may seem h]oic1 b x is a specific & is ! simple/ ( all possible me?ods4 #c4 ,h[ to secure a j di/ribution ( ! great advantages f improv$ ma*9]y1 new inv5tions & new discov]ies1 is a problem t is engag+ ! be/ ?\ght ( _m ( ! wise & good4 ,t ! pres5t di/ribution is inequitable & unfair2 t x gives ! capitali/ an undue advantage ov] ! labor]2 t x aggravates ! diff]5ce 9 conditions1 seems g5]ally admitt$4 ,an improv$ ma*9e1 own$ by a capitali/1 enables "o man to d ! "w t =m]ly requir$ t54 ,"o man is employ$ & ! n9e are 9 competition = 8 place & !re is no advance ov] ! wages be=e ! ma*9e 0 introduc$4 ,! own] ( ! ma*9e secures ! ga94 ,8 weal? is greatly increas$ :ile ! labor] plods on ) 8 old wages4 ,) ! new ma*9e ! "o man produces :at t5 m5 did be=e1 b ! product ( ! n9e are cr$it$ to ! ma*9e & becomes ! capitali/'s ga94 7a7 ,! falsehood on :i* ?is claim re/s mu/ be se5 & reject$ be=e ! evil c be ov]come2 t ! ma*9e is productive4 ,x is b a tool 9 ! h&s ( ! "o man1 :o n[ ) x produces z mu* z t5 m5 did )\t x4 ,if "o does ! "w ( t5 he e>ns ! rew>d ( t54 ,because by ?is ma*9e he multiplies 8 /r5g?1 & adds to 8 effici5cy1 he c n ju/ly be depriv$ ( 8 full rew>d4 7b7 ,b ! ma*9e is own$ by ano!r4 ,8 n own+ ! ma*9e does n *ange its nature & make x a productive =ce4 ,:e!r x belongs to him or to ano!r1 x is 8 intellig5t vital en]gy t produces all t is produc$4 ,! ma*9e is b 8 tool ) :i* he works4 7c7 ,b ! ma*9e mu/ be paid =4 ,c]ta9ly1 ! inv5tors & skill$ me*anics1 :o produc$ ?is wond]ful tool1 %\ld be fully comp5sat$1 b once paid !y h no claim ^u x or on :at ano!r may produce ) x4 ,no hone/ workman objects to pay+ a good price = good tools4 ,x is n ! pur*ase ( tools by "o set ( workm5 ( ano!r t causes ! unequal conditions4 7d7 ,x is ! usur] or int]e/ tak] t p]v]ts ! conditions4 ,he lays hold ( ^? great inv5tions & discov]ies1 l railroads & telegraphs & telephones1 & dem&s a p]petual comp5sation4 ,he asks t ! labor] %all be =ev] buy+ 8 tool1 yet x %all be nev] b\ght1 t ! public %all be =ev] pay+ = privileges & ! obligation rema9 =ev] unmet4 ,?is is b "o ( ! =ms ( usury1 by :i* weal? is heap$ f ! e>n+s ( ! _m4 #d4 ,! difficulties betwe5 employ]s & _! labor]s d n cease4 ,! cont9u$ /rikes & lock-outs %[ h[ g5]al & deep ! tr\ble is4 ,labor]s organize into unions to protect !mselves f dis*>ge & to promote _! int]e/s4 ,!y ask = bett] wages & %ort] h\rs4 ,!y urge _! petition ) =ceful argum5ts2 !y make dem&s ) an impli$ ?reat2 !y /op "w or /rike4 ,!n foll[s a te/ ( /r5g? & endurance 9 :i* bo? p>ties greatly suff] & bo? are embitt]$ & nei!r is satisfi$4 ,! correction ( ?is common evil has receiv$ close /udy f ^? :o h ! welf>e ( all classes at he>t & wi% to be b5efactors ( ! race4 ,! rem$ies h n be5 ?or\gh b sup]ficial1 & ! b5efits tempor>y4 ,! bran*es h be5 cut (f b !y gr[ aga94 7a7 ,! compla9t ( too small wages implies t m is e>n$ ?an is receiv$2 b !re is no /&>d recogniz$ by :i* :at a man does e>n c be measur$4 ,! capitali/ claims ! output z ! e>n+s ( 8 capital & 8 claim is all[$ by ! workm54 ,! workm5 may claim t wages are too small = a com=table liv+4 ,?is is n a plea ( free workm51 b ( slaves begg+ to be bett] f$4 7b7 ,!y may compla9 ( too _m h\rs ( labor2 b ! numb] ( h\rs ( labor is arbitr>ily fix$4 ,!re is no valid con/ant reason :y "o %\ld wi% to "w less4 ,9 ! managem5t ( "o's own "w1 & ! collection ( 8 own e>n+s1 !re are times :5 long h\rs1 ( ! /ra9 ( labor1 are necess>y1 & !re are o!r times :5 ease c be tak54 ,) no /&>d ( e>n+s or "t1 x is impossible to arrive at a j & satisfactory settlem5t4 ,! reasons giv5 s\nd to ! employ]s l ! plead+s ( s]vants = ri*] food & m play4 7c7 ,! labor] %\ld f9d a solid basal reason = 8 dem&s4 ,t w be f\nd only 9 ! utt] rejection ( ! !ory & practice ( usury4 ,! selfi%ness ( human nature w rema92 conflicts betwe5 m5 9 all conditions & all bus9esses w rema92 feuds & rivalries w rema92 b :5 employ] & employe are enabl$ to see t capital is dead1 & decay+1 & t all ! e>n+s above its pres]vation belong to ! labor]s1 !re w be a recogniz$ & true basis ^u :i* ! rightful claims ( ea* c be adju/$4 7d7 ,9 a co-op]ative %op1 :]e ! workm5 are ! own]s1 ea* receives 8 %>e ( ! ga9s4 ,) usury done away x is possible = workm51 :o are poor1 to ultimately become ! own]s1 by ! accumulation ( e>n+s1 b "u ! pull ( ! usur]s1 cont9ually appropriat+ ! e>n+s1 !y are doom$ to hopeless pov]ty4 #e4 ,!re is a widespread det]m9ation to ov]come ! evil ( w>4 ,non-combatants are num]\s & peace societies are organiz$ 9 all l&s4 ,_! lit]ature is widely di/ribut$ & _! petitions1 = ! pres]vation ( peace1 are p\r$ ^u e p[] t is ?\ght to h an occasion1 or a disposition1 to engage 9 w>f>e4 ,! wa/e ( treasure & blood1 ! cruelties & suff]+ t are a milit>y necessity1 are plead$ 9 favor ( peace4 ,! %ame ( intellig5t rational m5 settl+ diff]5ces ) brute =ce is pres5t$4 ,! un*ri/ian _s1 t 9 ?is age ( light & sav+ grace %\ld be s want+ 9 bro!rly love z to wi% to de/roy ^? :o h>m u1 is deprecat$4 ,:5 diff]5ces d arise betwe5 nations1 !y urge a j settlem5t or mutual concessions4 ,or if "o is f\nd to be unreasonable1 unju/ & oppressive1 x is bett] & m *ri/ian-l1 !y claim1 to endure h>dness1 submitt+ "u prote/1 ?an by =ce1 :i* ! ,ma/] =bade1 attempt to e/abli% righte\sness4 ,rul]s ( ! greate/ nations on ! e>? h become consci\s ( ! cruel burd5s ^u _! p1 9 ! support ( _! great armam5ts4 ,on ! invitation ( ! ,cz> ( ,russia1 peace commission]s f _m nations rec5tly met 9 ,! ,hague1 to devise means by :i* ! burd5s ( armam5ts might be dim9i%$ & actual w>f>e avoid$4 ,?is peace c\ncil advis$ t diff]5ces be submitt$ to arbitration1 b :ile x 0 yet speak+ two ,*ri/ian p[]s1 began op5 w>1 )\t hav+ s dec5t a reg>d to ! op9ions ( mank9d z to make kn[n to ! _w ! cause ( _! conflict4 ,w>s cont9ue1 & among ! mo/ highly civiliz$ & enlight5$ & *ri/ianiz$1 9 ! face ( ! argum5ts & advice & plead+s ( non-combatants & peace societies & peace commissions4 ,mammon1 a sordid gre$ ( ga91 is n[ on ! _w's ?rone & directs ! movem5ts ( ! nations 9 peace or w>4 ,8 purposes may be (t5 accompli%$ 9 peace by pur*ases ( t]ritory = :i* int]e/ be>+ bonds are issu$4 ,! irritation or hurts betwe5 peoples may be molifi$ & heal$ by indemnities1 :i* also s]ve 8 purpose because !y necessitate ! incurr+ ( a bond$ debt1 int]e/ be>+4 ,b ! hi/ory ( ! _w = c5turies proves t a condition ( w> is ,mammon's opportunity to foi/ a debt ^u a free p & to increase ! burd5 ( ^? ^: bonds he already holds4 ,8 e>s are deaf to advice & reason1 :5 mat]ial & comm]cial advantages are to be secur$4 ,he c>es n = human suff]+ & %$ blood1 if ri*es c be increas$4 ,:5 concessions c be secur$1 & mortgages plac$1 & a p exploit$ ) pr(it1 ! cry ( suff]+1 ! plead+ = pity & ! call = ju/ice are all 9 va94 ,to /op ^! mod]n w>s !y mu/ be made unpr(itable to ,mammon4 ,:5 !y are made to deplete 8 treasury & to wa/e 8 weal?1 in/ead ( increas+ x1 he w call a halt 9 /rife1 & ! g5tle _s ( peace w be p]mitt$ to hov] ov] ! nations4 ,away ) national debts & int]e/ be>+ bonds1 :i* are ! delight ( ! usur]s4 ,make pres5t weal? be> ! burd5 ( pres5t duty4 ,try ! patriotism ( ! usur]s by mak+ w> a real sacrifice ( _! weal?1 :ile ! blood ( o!rs is be+ p\r$ ^u ! field4 ,d n p]mit w> to be an advantage to ! ri* to increase 8 ri*es4 ,a patriot's life is giv5 & x goes out =ev]1 let weal? be no m sacr$ ?an life2 let x n be borr[$ b consum$4 ,let ! ri* gr[ poor] z ! w> goes on1 let !re be a fac+ ( utt] pov]ty1 z ! patriot faces dea? on ! field4 ,:ile ,mammon is p]mitt$ ?is usury1 8 *ief tool1 he w use x = ! oppression ( ! _w4 ,he w direct ! movem5ts among ! nations to fur!r 8 ends1 al?\gh x may require a conflict betwe5 ! mo/ *ri/ianiz$ & enlight5$ ( ! e>?4 ,! nations w be direct$ 9 peace or put 9 motion 9 w> to make weal? increase4 ,give weal? its true place z a p]i%able ?+1 in/ead ( a productive life1 & w>s w cease 9 all ! e>?4 ,! hold]s ( ! weal? ( ! _w w nev] urge nor enc\rage w>1 :5 ! prop]ty de/roy$ is _! own & n to be replac$4 ,:5 w>s are no long] ! usur]'s opportunity1 b ! consumption ( 8 weal?1 ,mammon himself w beg t swords may be beat5 into pl[-%>es & spe>s into prun+-hooks4 ,,*apt] ,,xxxiii4 ,,p] ,,contra2 ,,*ri/ian ,,apologi/s4 ,e argum5t favor+ ! cont9uance ( ! practice ( usury c be met f ! propositions e/abli%$ 9 ! prec$+ *apt]s4 ,inde$1 !re are no true argum5ts to be pres5t$ 9 its favor4 ,tru? is consi/5t ) tru?4 ,we are n plac$ 9 a dilemma & compell$ to decide :i* are ! /ronge/ ( ! argum5ts array$ aga9/ ea* o!r4 ,we are n decid+ :i* is ! great] ( two bless+s nor :i* ! less ( two evils1 b ?is is a "q ( evil or good1 ( s9 or righte\sness4 ,if usury is wrong !n e argum5t br\ght =w>d to support x is a falsehood1 ?\gh x may be cov]$ ) a v beautiful & attractive & plausible =m 9 its pres5tation4 #a4 ,! old ,wilson ,cate*ism publi%$ 9 ,dundee 9 #agcg is p]haps ! mo/ famili> def5se4 ,q4 ,is ! ga9+ ( money by usury unlawful8 ,a4 ,yes1 ,prov4 #bh3h4 ,psalm #ae3e4 ,q4 ,:at is usury8 ,a4 ,! tak+ unlawful pr(it = money t is l5t out4 ,q4 ,is x lawful to take any int]e/ or ga9 = money l5t8 ,a4 ,yes1 :5 x is tak5 accord+ to ! laws ( ! l&1 & f ^! :o make ga9 by x1 by trad+ or pur*as+ ( l&s2 see+ x is equally j = ! own] ( money to ask a %>e ( ! pr(it :i* o!rs make by x1 z = ! own] ( ! l& to dem& f>m f ! t5ant ( x1 money be+ improvable by art & labor z well z l&4 ,q4 ,:at is ! unlawful pr(it = money1 :i* may be call$ usury8 ,a4 ,! tak+ pr(it = money f ! poor :o borr[ = m]e necessity1 or tak+ ne$ful ?+s f !m 9 pawn = x2 or ! tak+ m pr(it = any ?an law all[s1 z ^! :o take t51 fifte51 or tw5ty 9 ! hundr$4 ,exod4 #bb3be1 #bf4 ,deut4 #bd3ab1 #ag4 ,ezek4 #ah3g1 #h4 ,q4 ,b 7 n ! p ( ,israel dis*>g$ to take any usury or pr(it = l5t money f _! bre?r58 ,deut4 #bc3ai4 ,a4 ,?is law seems to h be5 peculi> to ! ,jewi% /ate1 & t 9 reg>d ( _! e/ates be+ s divid$1 settl$1 & secur$ to _! families by ! ye> jubilee1 & _! n be+ employ$ 9 trad+ or mak+ pur*ases l o!r nations1 s t !y _h no occasion to borr[ money b = ! pres5t subsi/5ce ( _! families4 ,b = /rang]s1 :o _h ano!r way ( liv+1 ! ,israelites 7 all[$ to l5d ^u usury1 & to %>e ) !m 9 _! pr(its1 ,deut4 #bc3bj1 :i* %[s t ! tak+ ( int]e/ is n oppressive 9 itself2 = !y are frequ5tly prohibit$ to oppress a /rang]1 & yet all[$ to take usury f him4 ,exod4 #bb3ba1 & #bc3i4 ,! read] w notice t ! def9ition ( usury is defective4 ,! read] w also notice t !re are no ,scripture ref]5ces giv5 to prove t any int]e/ c be tak54 ,?is is s+ul>1 s9ce ?r\gh\t ! ,cate*ism ,scripture ref]5ces are pr(use 9 confirmation ( ! answ]s4 ,if a s+le passage _h be5 f\nd t c\ld be twi/$ into an approval ! ref]5ce w\ld h be5 giv54 ,he re/s ! p]mission to take usury :olly on human reason1 ?\gh 9 direct opposition to ! ,scripture ref]5ces he _h fir/ giv5 to prove t ! ga9+ ( weal? by usury 0 unlawful4 ,he does n claim to get ?is answ] f ! ,bible4 ,he re/s ?is answ] on ! law ( ! l& & ! purposes ( ! borr[]1 & says x is n worse ?an tak+ a r5tal = l& anyway4 ,! que/ions ) reg>d to ! cu/oms ( ! p ( ,israel are completely met 9 ! ,second & ,?ird ,*apt]s ( ?is book4 ,fi%]1 also1 we f9d f 8 cate*ism publi%$ 9 #agec1 ?\ght x necess>y to make "s excuse = ! cu/om 9 8 "t4 ,high int]e/ he f9ds condemn$1 b mod]ate int]e/ he tries to def5d4 ,q4 #cb4 ,:at is x to take usury1 accord+ to ! prop] signification ( ! ^w8 ,a4 ,x is to take ga91 pr(it1 or int]e/1 = ! loan ( money4 ,q4 #cc4 ,:at k9d ( usury or int]e/ is lawful8 ,a4 ,t :i* is mod]ate1 easy1 & no way oppressive4 ,deut4 #bc3bj1 comp>$ ) ,ex4 #bb3ba4 ,q4 #cd4 ,h[ d y prove t mod]ate usury is lawful8 ,a4 ,f ! v light ( nature1 :i* tea*es1 t s9ce ! borr[] proposes to ga9 by ! loan1 ! l5d] %\ld h a reasonable %>e ( 8 pr(it1 z a recomp5se = ! use ( 8 money1 :i* he might o!rwise h dispos$ ( to 8 own advantage4 #a ,cor4 #h3ac4 ,q4 #ce4 ,:at is ! usury condemn$ 9 scripture & by :at reason8 ,a4 ,x is ! exact+ ( m int]e/ or ga9 = ! loan ( money1 ?an is settl$ by univ]sal cons5t1 & ! laws ( ! l&4 ,prov4 #bh3h4 ',he t by usury1 & unju/ ga91 increase? 8 sub/ance1 %all ga!r x = him t w pity ! poor4' ,q4 #cf4 ,h[ d y prove f scripture1 t mod]ate usury1 or common int]e/1 is n oppression 9 itself8 ,a4 ,f ! express comm& laid ^u ! ,israelites n to oppress a /rang]1 ,ex4 #bc3i2 & yet _! be+ all[$ to take usury f him1 ,deut4 #bc3bj2 :i* !y w\ld n h be5 p]mitt$ to d1 if !re _h be5 an intr9sic evil 9 ! ?+ itself4 ,q4 #cg4 ,is x w>rantable to take int]e/ f ! poor8 ,a4 ,by no means2 =1 if su* z are hone/1 & 9 ne$y circum/ances1 borr[ a small sum t[>ds a livelihood1 & repay x 9 due "t1 x is all t c be expect$ ( !m2 & !re=e ! dem&+ ( any pr(it or int]e/1 or ev5 tak+ any ( _! necess>ies ( life 9 pl$ge1 = ! sum1 seems to be pla9ly contr>y to ! law ( *>ity4 ,ex4 #bb3be-bh4 ,ps4 #ae3e4 ,q4 #ch4 ,7 n ! ,israelites =bidd5 to take usury f _! bre?r51 :e!r poor or ri*8 ,deut4 #bc3ai3 ',?\ %alt n l5d ^u usury to ?y bro!r4' ,a4 ,?is text is to be re/rict$ to _! poor bre?r51 z x is expla9$1 ,ex4 #bb3be1 & ,lev4 #be3ce1 #cf2 or1 if x respects ! ,israelites indiff]5tly1 !n x is "o ( ! judicial laws peculi> to t p1 & ( no b9d+ =ce n[4 ,9 ! answ] to ! #cd? "q he appeals to ! light ( nature4 ,t light1 z he int]prets x1 may be appli$ z foll[s4 ,we foll[ 8 language closely & 8 argum5t p]fectly4 ,f ! v light ( nature :i* tea*es1 t s9ce ! borr[] ( ! hoe purposes to dig 8 own g>d5 ) x1 ! l5d] %\ld h a reasonable am\nt ( 8 g>d5 dug1 z a recomp5se = ! use ( ! hoe1 :i* he might o!rwise h us$ himself to dig 8 own g>d54 ,fi%] confirms 8 conclusion ) a ,scripture ref]5ce b x is s irrelevant t x w\ld seem ,wilson 0 wis] 9 omitt+ ,scripture ref]5ce altoge!r4 #a ,cor4 #h3ac1 ,:]e=e1 if meat make my bro!r to (f5d1 ,i w eat no meat :ile ! _w /&e?1 le/ ,i make my bro!r to (f5d4 ,! only explanation ! writ] ev] saw or he>d (1 t 0 s]i\sly made 0 ?is3 ,if us+ my bro!r's money )\t int]e/ (f5ds him1 !n ,i w nev] :ile ! _w /&e? accept 8 money )\t int]e/ le/ ,i make my bro!r to (f5d4 ,if ?is is ! int5d$ application !n x may be fur!r appli$4 ,if us+ a bro!r's money at six p] c5t4 (f5ds him !n ,i w surely give him t5 p] c5t4 le/ ,i cause my bro!r (f5ce4 ,c\ld !re be a m absurd application ( a ,scripture passage8 ,! lat] !ologians h seldom m5tion$ usury & none h discuss$ x at any l5g?1 & no div9e to our k has und]tak5 a def5ce4 ,! ,sy/ematic ,!ology ( ,dr4 ,*>les ,hodge is p]haps ! mo/ elaborate & exhau/ive4 ,he does n m ?an ref] to usury2 he does n ev5 m5tion x by "n4 ,b 9 8 discussion ( ! violation ( ! eigh? comm&m5t1 he ridicules ! idea t a ?+ is wor? :at x is wor? to ! man :o dem&s x4 ,he says3 ,if ?is be s1 !n if a man p]i%+ f ?ir/ is will+ to give 8 :ole e/ate = a glass ( wat] x is "r to exact t price2 or if a man 9 dang] ( dr[n+ %\ld (f] a ?\s& doll>s = a rope1 we might refuse to ?r[ x to him = a less rew>d4 ,su* conduct e man feels is wor?y ( execration4 ,he closes ! discussion ( ! eigh? comm&m5t ) ?is significant & emphatic s5t5ce3 ,_m :o h /ood well 9 society & ev5 9 ! *ur* w be a/oni%$ at ! la/ day to f9d ! ^w ',?ieves' writt5 aft] _! names 9 ! great book ( judgm5t4 #b4 ,to prohibit usury is revolution>y4 ,revolutions are n necess>ily evil4 ,!y h be5 ju/ifi$ 9 all ! ages to ov]?r[ tyranny & oppression & to secure fre$om & e/abli% ju/ice4 ,oppressors & evil-do]s 9 p[] h ev] be5 anxi\s to ma9ta9 ! /atu quo3 t is1 to be let alone4 ,! ,man ( ,galilee is ! pr9ce ( revolutioni/s4 ,he has ov]?r[n & turn$ d[n ! civilizations ( ! _w & has br\ght 9 8 own1 call$ by 8 "n1 ,*ri/ian civilization4 ,8 foll[]s 7 revolutioni/s4 ,! idolatr\s craftsm5 ( ,ephesus1 n wi%+ to be di/urb$ 9 _! pr(itable bus9ess1 9 ord] to defeat ! "w ( ,paul & 8 associates1 rais$ ! cry ( revolution4 ,^! t h turn$ ! _w upside d[n h come hi!r also4 ,! ?+s t are wrong side up mu/ be revolv$4 ,:5 mat]ial ?+s are f\nd sup]ior to true manhood & womanhood1 !y mu/ be rev]s$4 ,:5 ! works ( m5's h&s are giv5 a place above ! h&s t =m$ !m1 :5 ! results ( labor are giv5 a place above ! vital en]gy ( ! labor]1 !re is call = revolution4 ,b ?is revolution %\ld be ! mo/ peaceful ! _w ev] saw4 ,?is ne$ n require ! de/ruction ( any prop]ty nor ! %$d+ ( "o drop ( blood4 ,x ne$ int]f]e ) no man's rights nor en=ce ^u any man a burd5 he %\ld n be will+ to be>4 ,a man is n int]f]+ ) ! rights ( ano!r :5 he is pay+ 8 debts1 & a man %\ld n feel t !re is plac$ ^u him a burd5 he is unwill+ to c>ry1 :5 8 own prop]ty is return$ to him4 ,yet t is ! ultimate1 ! extreme goal1 to be rea*$ by ! abolition ( usury2 e man free f debt & e man c>+ = 8 own prop]ty4 #c4 ,if usury is n p]mitt$1 ! great mod]n ent]prises are impossible4 ,a great mod]n ent]prise t is n = ! g5]al good has no "r to be4 ,spl5did ent]prises are (t5 made possible by ! sacrifice ( ! welf>e ( ! _m = ! int]e/s ( ! few4 ,! spl5did plantations ( ! s\!rn /ates fl\ri%$ 9 "t ( slav]y1 :5 ! labor ( _m 0 subord9ate to ! welf>e ( "o4 ,!y are n n[ possible2 yet ! pres5t & future g5]al good is bett] secur$ by ! sacrifice ( ! spl5did pa/4 ,a spl5did milit>y campaign is only possible by ! complete subord9ation ( ! _m to ! w & ord] ( ! comm&+ head4 ,"o hundr$ ?\s& 9 an army is n[ receiv+ ! att5tion ( ! _w4 ,"o hundr$ ?\s& 9 happy homes are commonplace4 ,! pyramids are spl5did monum5ts1 b !y 7 n a bless+ to ! slaves1 :o built !m4 ,spl5did ent]prises 9 :i* ! few comm& ! _m may be an unmitigat$ curse4 ,ye fri5ds to tru?1 ye /atesm5 :o survey ,! ri* man's joys increase1 ! poor's decay2 ',tis y\rs to judge1 h[ wide ! limits /&1 ,betwe5 a spl5did & a happy l&4 ,no ent]prise1 h[ev] brilliant1 c be 9 ! model /ate1 t blesses ! few by ! losses ( ! _m4 ,great & b5ign ent]prises are possible )\t usury4 ,!re is no great] ent]prise ?an ! po/al sy/em 9 ?is l& & ext5d+ to all ! nations 9 ! po/al union4 ,y owe x no?+2 l poor ,ri*>d1 y pay z y g4 ,x owes no?+1 pays no int]e/ & r5d]s a great s]vice = ! small am\nt y pay4 ,x is a /&+ illu/ration ( ! success ( a /rictly ca% bus9ess4 ,! great b5evol5t mission>y ent]prises1 t s5d _! mess5g]s to all l&s1 ov] ! :ole e>?1 receive & disburse ! gifts ( ! b5evol5t4 ,_! "w is n int]rupt$1 b cont9ues f age to age4 ,! comm]ce ( ! _w c be c>ri$ on j z effectively )\t usury4 ,a mortgage does n make a f>m m productive nor does a bond$ debt make a railroad or a navigation company m effici5t4 ,! railroads & express & telegraph & telephone & o!r ent]prises are greatly h9d]$ 9 ! s]vice ( ! public by ! tribute !y are return+ to ! usur]s4 ,_h ?is f>m] n ?is mortgage he c\ld improve 8 f>m & br+ f 8 l& bett] results4 ,7 x n = ! unceas+ dra9 ^u ! income ( great ent]prises to meet ! int]e/ on bonds1 ! prop]ties c\ld be improv$ & ! public bett] s]v$ at greatly r$uc$ rates4 ,inde$ ! mo/ successful ent]prises are n[ op]at$ by ! own]s4 #d4 ,x w be h>d to borr[1 if y w n pay int]e/4 ,x w\ld be a happy condition if no "o %\ld want to borr[ except 9 urg5t ne$ f an accid5tal /rait2 if t old indep5d5t1 self-reliant _s t refus$ to be indebt$ to any man c\ld be univ]sal1 t pref]r$ frank & hone/ pov]ty 9 a cab91 to a %am afflu5ce 9 a mortgag$ palace4 ,x %\ld be h>d to borr[1 b easy to pay4 ,usury makes x easy to borr[1 b h>d to repay4 ,usur]s ev5 make x attractive & entice ! victim into ! trap ( debt & !n x is all b impossible to f9d a way out4 ,an hone/1 indu/ri\s man ( good habits mu/ be ev] on ! al]t or he w be entangl$1 soon] or lat]1 ) debts4 ,x w n be h>d] = an hone/ man1 :o is 9 ne$1 to borr[4 ,he w n be able to borr[ m ?an 8 ne$ requires4 ,! debt w n increase dur+ ! p]iod ( disability1 & x w be easi] to repay )\t increase4 ,! usur] requires m ?an hone/y = ! security ( 8 loan4 ,! loan to him is preci\s se$1 t mu/ be plant$ :]e x w gr[4 ,to m]ely h ! loan return$ )\t increase does n meet 8 claim4 ,to remit ! increase1 to make x easi] = ! poor debtor to pay1 he w\ld reg>d z a positive loss to himself & a gift to 8 victim4 ,! usur] pref]s ri* debtors1 :o h abundant prop]ty to secure ! loan & its increase4 ,!re is a despis$ class ( pawn usur]s :o prey ^u ! poor4 ,!y are reg>d$ z robb]s ( ! poor 9 _! di/resses1 b _! bus9ess w\ld be impossible1 7 x n t all av5ues ( relief are clos$ by usury2 int]e/ mu/ be paid any:]e2 :y n borr[ ( !m ?\gh ! rates are high8 ,! moral quality ( ! act is ! same2 ! diff]5ce is :olly 9 ! degree ( turpitude4 ,,*apt] ,,xxxiv4 ,,p] ,,contra2 ,,l& ,,r5tals4 ,if no int]e/ %\ld be *>g$ on money1 !n no r5ts %\ld be collect$4 ,! e>ly ,*ri/ian apologi/s = usury1 :o felt x imp]ative to expla9 :y x 0 p]mitt$ & practic$ among ,*ri/ians1 f\nd few argum5ts4 ,!y all agre$ t ! lett] & _s ( ! ,scriptures =bade l5d+ to ! poor1 ^u int]e/4 ,!y also f\nd x impossible to %[ f reason ! "r ( money to an increase1 b z money c readily be *ang$ into o!r =ms ( prop]ty1 z l&s1 !y rev]s$ ! argum5ts2 beg9n+ ) ! assum$ premise t x is "r to *>ge r5tal = l&s1 & z money may repres5t l&s1 x is !re=e "r1 !y say1 to *>ge int]e/ on money4 ,x seems z lawful = a man to receive int]e/ = money1 :i* ano!r takes pa9s )1 improves1 b runs ! haz>d 9 trade1 z x is to receive r5t = our l&1 :i* ano!r takes pa9s )1 improves1 b runs ! haz>d ( 9 husb&ry4 ,true logic w\ld h l$ !m to reason =w>d f ! tru? !y _h det]m9$2 t !re is no valid reason ju/ify+ int]e/ on money4 ,re/+ on ?is tru?1 & !n discov]+ t money may repres5t l&s1 ! necess>y conclusion mu/ be1 t l& r5tals are )\t ju/ice4 ,rev]s+ ! ord] ( _! argum5t1 !y assum$ a false premise1 & f x attempt$ to prove true ! v proposition !y _h f\nd to be false4 ,!re is ! usury ( l&s z well z ( money or victuals4 ,=ty ye>s ago ! ,omaha ,indians w5t across ! riv] & cut "s f9e grass gr[+ on op5 l&1 & c>ri$ x to _! res]vation4 ,! own] ( ! l&1 liv+ 9 a di/ant /ate1 le>n+ ( ?is1 claim$ pay ( ! ,indians & br\ght suit aga9/ !m be=e ! ag5t to recov] x4 ,! ,indians admitt$ t !y _h cut & tak5 ! grass2 !y also admitt$ its value4 ,_! def5se 0 t ?is man _h no "r sup]ior to !irs4 ,?is 0 a natural gr[? t _h co/ him no labor1 & !y _h n injur$ ! l&4 ,_! speak] said1 ,if ! man _h dug ! l& & plant$ x 9 corn & ho$ & t5d$ ! corn1 ! corn w\ld h be5 82 b ! ,great ,_s made ! grass gr[ & ?is man gave x no labor nor c>e2 ! buffalo or ! cattle c\ld eat x4 ,h we n ! rights ( ! cattle8 ,?is man has no "r to x4 ,! ag5t decid$ aga9/ !m & compell$ !m to pay ! man4 ,!y 7 mu* dissatisfi$ & felt !y 7 unju/ly treat$ & oppress$1 because !y _h to pay t :i* ! man _h nev] e>n$4 ,! r$ m5 7 n v]s$ 9 legal /atutes nor educat$ 9 ! tutelage ( usury1 b x c n be d5i$ t !y int]pret$ v accurately ! law writt5 9 ! reason & consci5ce3 t no man has any especial claim to t :i* he has n e>n$4 ,! convictions ( :ite m51 & _! me?od ( compell+ abs5tee own]s to pay = ! increase 9 value ( _! l&s1 came "u ! writ]'s obs]vation 9 a new settlem5t ne> ! ,indians' res]vation4 ,he f\nd ?ree poor families 9 a di/rict4 ,!y _h little l& & extremely pla9 homes1 b !re 0 a good s*ool-h\se & a good s*ool & an exp5sive bridge _h be5 built across a /ream to enable "o ( ! families to rea* x4 ,enquir+ h[ !y c\ld af=d to erect su* improvem5ts & support su* a s*ool1 !y repli$ t ! l&s all ar\nd !m 7 own$ by abs5tees1 speculators 9 ! ea/1 :o 7 hold+ ! l&s = ! advance 9 value1 :i* !y1 9 _! /ruggl+ pov]ty1 %\ld make by ! improvem5t ( ! c\ntry1 :5 !y w\ld ga!r 9 an une>n$ increm5t4 ,!y said !y _h ! p[] to levy taxes = bridges & = s*ools & !y _h det]m9$ to make ! abs5tees 9 ?is way comp5sate !m1 9 "p1 = ! increm5t !y 7 e>n+ = !m4 ,! conviction ( "r & ju/ice 9 ! :ite settl] did n diff] f ! innate & untutor$ argum5t ( ! ,indian4 ,! ,indians felt oppress$ because !y 7 compell$ to pay ! man = :at t man _h nev] e>n$4 ,! :ite settl]s det]m9$ to ?w>t ! purpose ( ! abs5tee own]s to ga9 an increm5t f _! sacrifice & labor4 ,! l&lord has a "r to all t he has produc$4 ,:5 he has cle>$ away ! =e/ or brok5 up ! l&2 :5 he has plant$ ! v9ey>d & build$ ! w9epress1 he has a "r to let ?is out to husb&m5 to ga!r ! fruits ( 8 prep>ation & plant+ & to %>e ) !m 9 ! proportion ea* has contribut$ to ! production1 b to hold all t he himself has produc$ & yet claim a "p ( ! product ( ano!r1 is usury4 ,a f>m] retires f 8 f>m because no long] able or will+ to cont9ue its cultivation4 ,he has an undisput$ "r to a full rew>d = all 8 own labor1 & = all he has pur*as$ f o!rs t he leaves 9 ! f>m4 ,!re mu/ be a comp5sation = ! trans=mation ( ! wild]ness into a f>m at ! fir/1 = ! f]tility t may h be5 add$ to ! soil1 = ! or*>ds1 v9ey>ds1 h\ses1 b>ns & e improvem5t he may h made & left on ! f>m4 ,he has an undisput$ "r to all ! labor rema9+ 9 ! f>m4 ,if he sells he expects comp5sation = all ?is4 ,b if he sells1 he mu/ beg9 at once to consume its price1 unless he becomes a usur] & is support$ by ! int]e/4 ,if he does n sell1 b reta9s 8 f>m1 he mu/ also beg9 at once to consume ! f>m4 ,= him to dem& ( 8 t5ant t ! f>m %all rema9 z valuable z :5 he left x1 ! soil n p]mitt$ to become less f]tile1 ! build+s to be kept f decay & re/or$ :5 de/roy$1 ! or*>ds to be kept vigor\s & "y by ! plant+ ( new trees & v9es2 9 %ort1 ! f>m to be pres]v$ 9 full value & yet pay a r5tal1 is usury 9 l&4 ,! pres]vation ( a f>m or l& & its re/oration to ! own] unimpair$ aft] a t]m ( ye>s involves f> m ?an p]sons n in=m$ suppose4 ,x seems to !m unreasonable to f>m a field & only return ! unimpair$ field to ! own]4 ,:ile l& is /able & possibly ! mo/ easily pres]v$ ( all =ms ( prop]ty1 at lea/ a ?ief _c c>ry x away1 yet ! pres]vation ( l& involves great c>e & risk4 ,! tak+ ( any crop f any l& r$uces its f]tility4 ,on ! virg91 we/]n f]tile l&s ! f>m]s laugh$ at ! ?\ght t !y %\ld ev] ne$ to return f]tiliz]s1 b x 0 only a few ye>s until !y ye>n$ = ! f]tility !y _h extravagantly wa/$4 ,build+s inevitably decay & !y may be de/roy$ by fire or /orm4 ,or*>ds may be ov]turn$ by a cyclone or be de/roy$ by blight or by ! ?\s& enemies ( ! v>i\s v>ieties ( fruit trees4 ,! l& may be injur$ by wa%+ t may require ye>s to repair4 ,a s+le /orm has de/roy$ fields 9 ?is way t nev] c be re/or$4 ,noxi\s we$s take possession ( l& t c only be eradicat$ by inf9ite pa9s4 ,9 ?is /ate c]ta9 we$s are decl>$ outlaws & mu/ be de/roy$ by ! f>m] = ! protection ( 8 neighbors4 ,! f>m] 9 ?is locality mu/ h an al]t eye = ,canada ?i/les & oxeye daisy4 ,x (t5 causes m labor to eradicate !m ?an ! l& is wor? on :i* !y are gr[+4 ,if ! annual r5t] 0 requir$ to give bond = ! return ( ! f>m unimpair$1 return+ t :i* ! crops & "t mu/ consume & de/roy1 tak+ all risks ( e "* ^u himself1 a ?\ghtful man1 ?\gh poor & ne$+ ! opportunity1 w\ld hesitate4 ,x might involve him 9 an obligation he c\ld n dis*>ge 9 8 :ole life ?r\gh conditions & provid5ces ov] :i* he has no control4 ,practically 9 ?is c\ntry ! own] r5t+ a f>m f ye> to ye> does consume x4 ,x beg9s at once to decl9e 9 f]tility1 ! improvem5ts beg9 to fall into decay1 we$s take possession1 wa%es occur & are n repair$1 & 9 a few ye>s ! half ( ! value is gone4 ,! own] is =tunate if he has receiv$ 9 r5tals suffici5t to re/ore its =m] value4 ,"u a sy/em ( p]petual t5antry ! case is diff]5t4 ,if ! f]tility decl9es x is ! t5ant's loss4 ,! improvem5ts are 8 & may be sold z "o c\ld sell ord9>y f>m tools1 b n to be remov$4 ,if !y are impair$ or de/roy$ x does n affect ! annual r5tal4 ,! l&$ proprietor 9 city or c\ntry1 :o has p]man5t t5ants1 :o are requir$ to make e improvem5t & keep up p]fectly ! f]tility1 & :o pay an annual r5tal1 is 9 ! same class z ^? :o are receiv+ annual int]e/4 ,! l&lord practically holds a p]petual mortgage1 & ! r5tal is ! int]e/ or increase exact$ g5]ation aft] g5]ation4 ,! debtor work+ "u a mortgage is *e]$ by ! hope t he may be able1 "s day1 to lift x1 b ! p]petual t5ant on entail$ l&s kn[s t he is doom$ to hopeless t5antry4 ,he c nev] own ! l& & he is 9 ! p[] ( ! l&lord1 :o is (t5 oppressive4 ,calv91 9 8 lett] ( apology = usury ( money1 speaks ( ! inju/ice ( ! l&lords 9 requir+ a r5tal = "s b>r5 f>m & ( ! h>%] conditions impos$ ^u ! t5ants4 ,inde$ 8 :ole argum5t1 :5 summ$ up1 is1 t ! usury ( l&s is m cruel & oppressive ?an ! usury ( money4 ,:ile x is n yet true 9 ,am]ica1 yet consid]+ ! l&lord%ips ( ,irel& & ,great ,brita9 & ! old] c\ntries1 ) _! unremitt$ exactions1 gr9d+ ! life out ( _! t5ants = a m]e subsi/5ce1 x is likely t ! race is today suff]+ m f ! inju/ice & oppression ( usury ( l& ?an f ! usury ( money4 ,! l& "q is too l>ge = "o %ort *apt] or = "o small book4 ,x requires m & deep] /udy ?an ! subject has ev] yet receiv$4 ,! own]%ip ( l&s _c be absolute2 x mu/ be limit$ by ! rights ( ^? :o live ^u !m1 b ! limitations h nev] yet be5 cle>ly def9$4 ,if a man has a "r to live he mu/ h a "r to a place to live4 ,if a *ild has a "r to be born x mu/ h a "r to a place to be born4 ,x _c be t ! mass ( our race only t\* ! e>? by ! suff]ance ( ^? :o claim to own x4 ,! unprec$5t$ rapidity ( ! developm5t ( ?is c\ntry is ow+ m to its wise & b5efic5t l& laws ?an to any?+ else4 ,!y are n p]fect b ! mo/ favorable to ! l&less t ! _w has ev] kn[n4 ,no l&lordism1 no b9d+ up l&s by entail to make x =ev] impossible to ga9 a title to a portion ( ! soil1 b our l& laws1 wisely devis$1 gave hope ( a home to ! homeless ev]y:]e4 ,! result 0 t our p f ! ea/]n "p ( our own c\ntry1 & ! l&less f across ! seas1 sw>m$ ov] ! m\nta9s & fill$ ! ,ohio valley & pu%$ on to ! great ,mississippi & ,miss\ri valleys1 & 9 ?ree g5]ations h trans=m$ ?is wa/e into happy homes4 ,! possession ( l&1 ( a home1 ennobles ! "*1 produces a patriotic love ( ?is c\ntry & /imulates devotion to h] in/itutions4 ,! l&less =eign] :o makes "h a home ( 8 own is unwav]+ 9 8 loyalty to ! c\ntry ( 8 adoption4 ,^? =eign]s1 :o d n fall 9 love ) our in/itutions & d n become assimilat$ ) our p1 are t5ants "h z !y 7 be=e !y came "h4 ,!y are n atta*$ to our soil2 !y d n secure homes ( _! own & are !re=e re/less & a m5ace4 ,a dang]\s t5d5cy has be5 develop+ ?r\gh\t our :ole l& 9 ^! lat] ye>s4 ,! usury ( l&s is on ! increase4 ,t5antry is becom+ m common on ! f>ms 9 ! c\ntry1 :ile ! mass ( our city populations are liv+ 9 r5t$ h\ses or flats or cr[d$ t5em5ts4 ,! ye>n+ = a home ( "o's own is deeply imb$d$ 9 human nature4 ,to be d5i$ ! privilege ( liv+ 9 "o's own h\se is "o ( ! greate/ trials ( a life4 ,?is t5d5cy to t5antry is n because our p h come to c>e less = a home ( _! own1 b ! conditions are n su* z to make a pur*ase ( a home pr(itable2 ! int]e/ on ! pur*ase price is great] ?an ! usury ( ! l& or r5tal4 ,! natural & desirable /ate is = e family to own & occupy _! home1 & ^? conditions %\ld be enc\rag$ :i* make x unpr(itable = any "o to own real prop]ty he does n himself occupy1 & :i* make x easy & pr(itable = e family to own _! own home4 ,:5 all l&s are own$ by ^? :o occupy !m1 ! prophet ,micah's picture ( ! mill5nial dawn w be realiz$4 ,e man %all sit "u 8 own v9e & "u 8 own fig tree & no "o %all mole/ him or make him afraid1 by dem&+ a r5tal or by s]v+ a writ ( ejectm5t4 ,,*apt] ,,xxxv4 ,,p] ,,contra2 ,,political ,,economi/4 ,! /ud5ts ( political economy are n always re=m]s4 ,x is n _! purpose nor ! object ( _! /udies to trans=m society4 ,!y only endeavor to expla9 :y ?+s are z !y are4 ,!y f9d ! tak+ ( usury all b univ]sal1 & !y endeavor to give ! reasons = ! prevail+ cu/om4 ,! subject is usually b slightly t\*$ ^u & dismiss$ ) a few s5t5ces4 ,few economi/s claim t int]e/ or r5tal is a "p ( ! co/ ( production4 ,!y mo/ly affirm t x is no "p ( production2 t x is m]ely ! price paid = ! opportunity to produce4 ,! l5d] ( money makes a loan to ! borr[] & ?us gives him a bett] opportunity to produce ?an he _h be=e4 ,! l&lord = ! r5tal )draws 8 h& f ov] 8 l& & gives ! r5t] ! opportunity to produce a h>ve/4 ,9 ju/ification1 or at lea/ 9 explanation ( ?is exaction = an opportunity1 ?ree reasons are usually giv54 ,^! may be briefly /at$ z risk1 "t & ab/95ce4 #a4 ,!re is "s risk 9 e inve/m5t4 ,!re is a possibility t ! mo/ hone/1 indu/ri\s & c>eful debtor may by "s mis=tune n be able to return ! loan & x w\ld !re=e be lo/4 ,to gu>d aga9/ ?is ! usur] requires ! rate ( int]e/ to be grad$ by ! measure ( risk4 ,?is is claim$ to be ( ! nature ( insurance1 ! borr[] pay+ ! premium4 ,! pr(its ( insurance are secur$ by collect+ a l>g] premium ?an necess>y to pay all losses4 ,on ?is !ory1 ! ga9 ( usury is 9 ! excess t c be secur$ ( increase ov] ! am\nts lo/4 ,?is is ! rev]se ( insurance4 ,insurance is ! paym5t by an own] ( prop]ty to a company :o gu>antees its pres]vation4 ,usury is ! paym5t by ! company to ! own] = ! privilege ( gu>antee+ t he %all n suff] loss4 ,bus9ess involves a risk usually cov]$ by insurance1 b no hone/ man expects to make a pr(it out ( 8 insurance4 #b4 ,a loan is made = a m or less ext5d$ "t4 ,"t is !re=e claim$ to be a gr\nd = usury *>ges4 ,?is claim re/s on ! assumption t "t w increase weal?4 ,b "t is ! great de/roy]2 "t does n make g>d5s & f>ms1 b cov]s !m ) we$s & s5ds !m back to a wild]ness2 "t does n erect a h\se1 b pulls x d[n2 "t does n build a city1 b causes x to crumble & a few ages buries x "u ! du/2 "t does n incubate eggs1 b turns !m putrid2 x does n trans=m into f[ls4 ,if eggs are develop$ into *ick5s ! diff]5ce betwe5 eggs & *ick5s is ! rew>d ( ! incubator4 ,aside f ! _s ( b5evol5ce & sympa?y ) ! ne$y !re are ?ree selfi% reasons :y a "t loan may be made4 ,fir/1 ! own] has no pres5t ne$ ( x & wi%es to be rid ( its c>e4 ,second1 ! own] %all ne$ x at a di/ant date & he wi%es x pres]v$ intact aga9/ t "t4 ,b ^! af=d no gr\nd = a *>ge ( increase4 ,he :o /&s & resi/s ! ravages ( "t until ! day x is ne$$ does a positive s]vice & des]ves a rew>d4 ,?ird1 ! l5d] wi%es to appropriate ! e>n+s ( ano!r dur+ ! p]iod ( "t giv54 ,?is is ! usur]'s reason1 & 7 x n = ?is "t w\ld lose its importance z an elem5t2 x is c]ta9 t long "t loans w\ld n be s attractive4 #c4 ,! rew>d ( ab/95ce is a rew>d = refra9+ f consum+ "o's own weal?4 ,y c n h y\r cake & eat x4 ,if y d n eat x1 y h y\r cake1 b n a cake & a half4 ,n a cake & a qu>t] tomorr[1 dunce1 h[ev] ab/95t y may be1 only ! cake y h1 if ! mice d n eat x 9 ! night4--,rusk94 ,! usual illu/ration is t ( ,jacob4 ,he practic$ ab/95ce 9 refra9+ f eat+ ! b[l ( pottage & giv+ x to 8 hungry bro!r4 ,! rew>d ( 8 ab/95ce 0 8 bro!r's bir?right4 ,if ,i d n take my s\p n[ x is a great favor to h x pres]v$ = me & s]v$ lat]1 n cold & /ale1 b fre% & hot4 ,if ,i d5y myself n[1 = any cause1 ,i c ask no m ?an t my meal %all be s]v$1 p]fectly1 lat]4 ,?is 0 all t ,jacob c\ld 9 ju/ice dem& ( ,esau4 ,x %\ld be rememb]$1 t because ,jacob took ,esau's bir?right1 z a rew>d ( 8 ab/95ce1 he 0 acc\nt$ a robb]1 0 compell$ to flee f 8 home1 & n = tw5ty ye>s see 8 fa!r's face2 t ! consci\sness ( ?is s9 & ( ! m]it$ v5geance ( ! bro!r1 :om he !reby defraud$ & :om he ?\ght 0 on 8 track1 caus$ t night ( /ruggle :5 he c\ld n let ! angel g1 until he _h 8 promise ( deliv]ance4 ,ab/95ce1 to be b5evol5t1 mu/ be an act ( p]sonal lov+ self-sacrifice = ano!r4 ,b5evol5t ab/95ce is its own rew>d & asks no m4 ,ab/95ce 9 hope ( ga91 d5y+ himself :ile ano!r is us+ 8 weal?1 _c be reg>d$ z an act ( b5evol5ce1 b ( a selfi% grovell+ gre$2 m gratifi$ to see 8 weal? increase ?an to himself enjoy its use4 ,t is ! _s ( ! mis] & receives ! contempt ( all "r ?9k+ p4 ,t ! political economi/s are "r 9 _! analysis ( ! common ?\ght ( usury2 t risk1 "t & ab/95ce are ! elem5ts ( its basis 9 ! popul> m9d1 may n be d5i$1 b if ^! are 9 fact ! elem5ts1 !n usury has no /&+ 9 equity & mu/ be condemn$ by e enlight5$ consci5ce4 ,,*apt] ,,xxxvi4 ,,usury ,,9 ,,hi/ory4 ,x w\ld require volumes to fully pres5t ! hi/ory ( usury4 ,a v brief summ>y mu/ suffice 9 ?is place4 ,yet ?is synopsis may s]ve z a guide to ^? :o may wi% to pursue ! inve/igation fur!r & :o h access to any consid]able libr>y ( g5]al & ecclesia/ical hi/ory4 ,! exact+ ( usury has always be5 m or less practic$1 & !re has always be5 a cont5tion aga9/ x z impolitic & wrong4 ,9 hea!ndom ! philosoph]s & economi/s & common p 7 usually array$ aga9/ x1 & ! voice ( *ri/5dom has be5 practically unanim\s 9 its d5unciation until ! #ag? c5tury4 7,= ,hi/ory ( ,usury 9 ! ,*ur*1 see ,*apt] ,x47 ,greece3 ,greece _h no laws =bidd+ usury4 ,! trade 9 money 0 left1 l ! trade 9 e ?+ else1 )\t legal re/ra9t4 ,! law decl>$ t ! usur] %\ld n dem& a high] rate ?an t fix$ by ! orig9al contract2 x also advis$ ,let ! usury on money be mod]ate4 ,"o p] c5t4 p] mon? 0 ! usual rate4 ,!re 7 among ! ,greeks at v>i\s times ?\ghtful m51 :o viol5tly oppos$ ! tak+ ( increase4 ,solon1 ( ari/ocratic blood1 b ) /rong sympa?ies = ! oppress$ classes1 l$ a ,nehemiah-l re=mation4 ,solon 0 wise & patriotic4 ,8 "n is a synonym = unselfi% devotion to ! public good4 ,he 0 giv5 au?ority 9 ,greece 9 times ( great f9ancial di/ress4 ,debts 7 increas+4 ,mortgage /ones 7 erect$ at ! bord]s ( ea* tract ( l&1 giv+ ! "n ( ! cr$itor & ! am\nt ( 8 claim4 ,! int]e/ c\ld n be paid4 ,int]e/ tak+ _h conc5trat$ ! weal? & p[] ( ! /ate 9 a few h&s4 ,! f>m] lo/ all hope & 0 only a labor] on ! f>m he once own$4 ,! debtor :o _h no f>m to "w = 8 cr$itor 0 yet 9 a worse condition2 he 0 ! m]e slave ( 8 cr$itor & c\ld be sold by him4 ,! free f>m]s 7 fa/ disappe>+4 ,! mo/ ( !m 7 /ruggl+ ) mis]able pov]ty4 ,solon at once came to ! relief ( ?is suff]+ class4 ,he releas$ ^? :o 7 enslav$ & br\ght back ^? :o _h be5 sold abroad4 ,! great "w ( ,solon = ?is oppress$ class has caus$ 8 "n to be rev]$ by all :o h /udi$ ! hi/ory ( 8 times4 ,plato oppos$ usury1 b he does n give ext5d$ reasons4 ,also ! philosoph]1 ,ari/otle4 ,8 "n is yet illu/ri\s 9 ! dep>tm5ts ( natural & moral sci5ce & economics4 ,) reg>d to usury he said3 ,( all modes ( accumulation1 ! wor/ & mo/ unnatural is int]e/4 ,?is is ! utmo/ corruption ( artificial deg5]acy2 /&+ 9 ! same relation to comm]ce t comm]ce does to economy4 ,by comm]ce money is p]v]t$ f ! purpose ( ex*ange to t ( ga92 /ill ?is ga9 is occasion$ by ! mutual transf] ( diff]5t objects2 b int]e/1 by transf]r+ m]ely ! same object f "o h& to ano!r g5]ates money f money1 & ! product ?us g5]at$ is call$ (fspr+ 7toxos7 z be+ precisely ! same nature z t f :i* x proce$s4 ,rome3 ,9 ! e>ly ages ( ,rome !re 7 no laws regulat+ ! loans ( money4 ,! practice 0 common & 0 "o ( ! mo/ frequ5t subjects ( popul> compla9t4 ,9 ! celebrat$ secession ( ! l[] classes ( ! p to ,mons ,sac]1 :5 civil /rife & frat]nal blood%$ 0 ?reat5$1 ! l\de/ outcry 0 aga9/ ! oppression ( exhorbitant int]e/ exact$ by weal?y citiz5s ( ^? :o 7 oblig$ to borr[4 ,! common rate 0 twelve p] c5t4 p] annum4 ,?is is inf]r$ f ! fact t six p] c5t4 0 call$ half int]e/ & ?ree p] c5t4 "o-f\r? int]e/4 ,! e>ly records ( ,rome prove conclusively ! odium atta*$ to ! bus9ess ( money-l5d+ = pr(it4 ,9 ! codification ( laws 9 ! fif? c5tury ,b4,c4 ! rate ( usury 0 fix$ at "o p] c5t4 p] mon?4 ,?is limitation ( usury 0 enact$ aft] a long & bitt] conte/ betwe5 ! ri* l5d]s & ! poor] classes4 ,a compromise seems to h be5 made 9 ! assign$ puni%m5ts4 ,! laws = ! collection ( debts & ! puni%m5t ( exact+ m ?an ! law p]mitt$ 7 alike extremely cruel4 ,! cr$itors ( an insolv5t debtor 7 giv5 ! p[] ( cutt+ 8 body 9 pieces & ! p[] ( sell+ 8 *ildr5 into slav]y4 ,! p5alty ( tak+ m ?an ?is legal int]e/ 0 puni%$ ) m sev]ity ?an !ft4 ,! ?ief mu/ re/ore d\ble1 b ! usur] mu/ re/ore f\rfold4 ,?is we le>n f ,cato's treatise on ,agriculture4 ,cato's own op9ion ( usury is %[n 9 ! answ] :i* he made :5 he 0 ask$ :at he ?\ght ( usury1 8 reply 01 ,:at d y ?9k ( murd]8 ,ne>ly a hundr$ ye>s lat] ! ,lic9ian law =bade all increase4 ,a little lat] we f9d ! "o-half ( "o p] c5t4 p]mitt$ by law4 ,!n "u ,sylla ! legal rate is made ?ree p] c5t4 ,9 ! "t ( ,antony & ,cleopatra x is f\r p] c5t4 ,= a "t !re 0 utt] confusion & intol]ably oppressive rates prevail$4 ,horace1 9 8 ,satires1 speaks ( "o l5d+ at sixty p] c5t4 ,9 ! reign ( ,tib]ius ,cs>1 ,rome 0 aga9 %ak5 ) ano!r usury s$ition1 an upris+ ( ! p aga9/ ! usur]s4 ,! law 0 f9ally adju/$ 9 ! ,ju/9ian ,code1 by a compromise p]mitt+ six p] c5t4 & sev]ely re/ra9+ ! exorbitant rates4 ,?ree hundr$ & tw5ty-?ree ye>s ,b4,c41 ,livy speaks ( a cr$itor :o kept 8 debtor 9 irons1 claim+1 besides ! debt1 ! int]e/ :i* he exact$ ) greate/ sev]ity4 ,x 0 soon aft] decre$ t ?is cruelty %\ld end & t no citiz5 %\ld be plac$ 9 irons or sold into slav]y = debt4 ,at ! close ( ! republic ! rate 0 tw5ty-f\r p] c5t4 ,engl&3 ,9 ! e>lie/ p]iods ( :i* we h any records we f9d t ! doctr9e1 t lett+ money to hire 0 s9ful1 prevail$ univ]sally ov] ! isl& ( ,great ,brita94 ,x 0 ! prevail+ op9ion t int]e/1 or usury1 z x 0 !n call$1 0 unju/ ga91 =bidd5 by div9e law1 & :i* a good ,*ri/ian c\ld nei!r receive nor pay4 ,9 common law ! practice ( tak+ increase 0 class$ among ! l[e/ crimes aga9/ public morals4 ,s odi\s 0 x among ,*ri/ians t ! practice 0 conf9$ almo/ :olly to ! ,jews1 :o did n exact usury ( ,jews b ( ! ,*ri/ians4 ,! laws ( ,k+ ,alfr$1 ab\t #ijj ,a4,d41 direct$ t ! effects ( money-l5d]s ^u usury %\ld be =feit$ to ! k+1 _! l&s to ! lords "u :om !y 7 held1 & !y %\ld n be buri$ 9 consecrat$ gr\nd4 ,by ! laws ( ,edw>d ! ,confessor1 ab\t #ajej ,a4,d41 ! usur] =feit$ all 8 prop]ty & 0 decl>$ an outlaw & bani%$ f ,engl&4 ,9 ! reign ( ,h5ry ,,ii1 ab\t ! close ( ! twelf? c5tury1 ! e/ates ( usur]s 7 =feit$ at _! dea? & _! *ildr5 7 dis9h]it$4 ,8 successor1 ,ri*>d ,i1 0 yet m sev]e1 =bidd+ ! usur]s att5d+ 8 coronation1 nor w\ld he protect !m f mob viol5ce4 ,dur+ ! ?irte5? c5tury ! sev]ities aga9/ ! usur]s 7 n relax$4 ,k+ ,john confiscat$ _! ga!r$ weal? )\t scruple4 ,x is record$ t he exact$ an enorm\s f9e ( a ,jew 9 ,bri/ol = 8 usuries1 & :5 ! ,jew refus$ to pay he ord]$ "o ( 8 tee? to be drawn daily until he %\ld pay4 ,! ,jew is said to h endur$ ! pull+ ( sev51 b !n weak5$ & paid ! f9e4 ,h5ry ,,iii 0 equally h>% & sev]e 9 8 measures4 ,he exact$ all he c\ld & !n turn$ !m ov] to ! ,e>l ( ,cornwall4 ,! "o flay$ & ! o!r emb[el$4 ,x is writt5 9 ! *ronicles ( ,engl&1 #abea ,a4,d41 ,by su* usur]s & lic5ti\s liurs z belong to him1 ! realme _h alreadie become sore corrupt$4 ,9 ! f\rte5? c5tury1 "u ! ?ree ,edw>ds1 ! tak+ ( int]e/ 0 an indictable (f5ce & ,edw>d ,,iii made x a capital crime4 ,9 ! fifte5? c5tury1 "u ,h5ry ,,vii1 ! p5alty 0 fix$ at "o hundr$ p\nds & ! p5alty ( ! *ur* add$1 :i* 0 excommunication4 ,attorney ,g5]al ,noy1 9 ! reign ( ,james ,i1 ?\ght ! tak+ ( money by usury 0 no bett] ?an tak+ a man's life4 ,he said3 ,usur]s are well rank$ ) murd]]s4 ,9 ! sixte5? c5tury1 "u ,h5ry ,,viii1 x 0 enact$ t all int]e/ above t5 p] c5t4 0 unlawful4 ,less 0 n collectable by law1 b 0 n a puni%able (f5ce4 ,edw>d ,,vi reviv$ ! old laws condemn+ all int]e/4 ,m>y ,i1 next foll[+1 execut$ ^! laws ) extreme sev]ity4 ,elizabe? re/or$ ! laws ( ,h5ry ,,viii1 9 :i* usury less ?an t5 p] c5t4 0 n a puni%able (f5ce4 ,?is edict ( ,elizabe? adds3 ,9 ! int]pretation ( ! law x %all be l>gely & /rongly con/ru$ = ! repression ( usury4 ,?is law ( ,h5ry ,,viii & ,elizabe?1 ) ! rate ( int]e/ r$uc$1 0 ! /atute law ( ,engl& until #ahed1 :5 all ! usury laws 7 repeal$4 ,9 #afid ,william & ,m>y ,,ii ent]$ into a contract to secure a p]man5t loan & pl$g$ ! k+dom to pay int]e/ on x =ev]4 ,! loan m>k$ ! turn+ po9t 9 ! popul> m9d ) reg>d to usury4 ,z x 0 approv$ 9 _! necessity by ! k+ & que5 at ! head ( ! ,prote/ant _w1 ecclesia/ics began to %ift _! gr\nd & to apologize =1 & excuse1 t :i* _h be5 =m]ly unequivocably condemn$4 ,z ! cr[n 0 ! head ( bo? ! *ur* & ! /ate1 ! condemnation ( usury seem$ t+$ bo? ) disloyalty & h]esy4 ,! c\rts too began to modify _! decisions to br+ !m into h>mony ) ! action ( ! cr[n4 ,! *ange 9 ! usury laws 7 n made by enactm5ts ( ,p>liam5t1 b by ! decisions ( c\rts4 ,! prec$5ts 7 gradually accumulat$ & ! /atutes 7 m]ely made to con=m to !m4 ,,*apt] ,,xxxvii4 ,,francis ,,bacon4 ,f ! %ort diss]tation on usury f\nd 9 ! works ( ,bacon we le>n t ! tak+ ( usury 0 a recogniz$ evil & odi\s 9 8 "t4 ,x w be notic$ t he elim9ates risk f usury & sees t ,9 ! game ( c]ta9ties aga9/ unc]ta9ties usury is sure to w94 ,x w be notic$ also t he m5tions only economic argum5ts aga9/ usury4 ,he does n give e?ical & moral reasons4 ,he does n m5tion ! want ( sympa?y = ! poor & _! oppression4 ,9 8 /atem5t ( ! argum5ts 9 def5ce he implies t ! usur] is less grasp+ ?an ! man he knew :o said ,! devil take ?is usury4 ,?is is ! v opposite ( ! picture ( ! usur] giv5 by 8 contempor>y1 ,%akespe>e1 9 8 "*1 ,%ylock4 ,8 speci\s argum5t = ! regulation ( ! evil ,= "s small matt] = ! lic5se is famili> to mod]n re=m]s 9 connection ) o!r s9s4 ,he speaks ( ! r$uction ( ! usury rates z a g5]al good & believes ,x w no :it disc\rage ! l5d]4 ,wrong-do]s 9 all ! ages h be5 ready to "p ) a portion ( ! pr(its ( an unlawful bus9ess = ! cov] ( ! au?ority ( ! /ate4 ,! foll[+ is 8 discussion 9 full ,,( ,,usury4 ,_m h made witty invectives aga9/ usury4 ,!y say t x is a pity ! devil %\ld h ,god's "p1 :i* is ! ti!4 ,t ! usur] is ! greate/ ,sabba? break]1 because 8 pl\gh goe? e ,sunday4 ,t ! usur] is ! drone t ,virgil speake? (3 ,ignavum fucos pecus a praesepibus arc5t4 ,t ! usur] breake? ! fir/ law t 0 made = mank9d aft] ! fall1 :i* 01 9 sudore vultus tui com$es panem tuum2 non 9 sudore vultus ali5i2 79 ! sweat ( ?y face %alt ?\ eat bread--n 9 ! sweat ( ano!r's face47 ,t usur]s %\ld h orange-tawney bonnets1 because !y d ,judaize4 ,t x is aga9/ nature = money to beget money2 & ! l4 ,i say only ?is1 t usury is a concessum propt] duritiem cordis2 7a ?+ all[$ by reason ( ! h>dness ( m5's he>ts73 = s9ce !re mu/ be borr[+ & l5d+1 & m5 are s h>d ( he>t z !y w n l5d freely1 usury mu/ be p]mitt$4 ,"s o!rs h made suspici\s & cunn+ propositions ( banks1 discov]y ( m5's e/ates & o!r inv5tions4 ,b few h spok5 ( usury usefully4 ,x is good to set be=e u ! incommodities & ! commodities ( usury1 t ! good may be ei!r weigh$ out or cull$ out2 & w>ily to provide1 t :ile we make =? to t :i* is bett]1 we meet n ) t :i* is worse4 ,! discommodities ( usury are1 fir/1 x makes few] m]*ants4 ,= 7 x n = ?is lazy trade ( usury1 money w\ld n lie /ill1 b w\ld 9 great "p be employ$ ^u m]*&is+2 :i* is ! v5a porta ( weal? 9 a /ate4 ,! second1 t x makes poor m]*ants4 ,= z a f>m] c n husb& 8 gr\nd s well if he sit at a great r5t1 s ! m]*ant c n drive 8 trade s well1 if he sit at great usury4 ,! ?ird is incid5t to ! o!r two2 & t is ! decay ( cu/oms ( k+s or /ates1 :i* ebb or fl[ ) m]*&is+4 ,! f\r? t x br+e? ! weal? or treasure ( a realm or /ate into a few h&s4 ,= ! usur] be+ at c]ta9ties1 & o!rs at unc]ta9ties1 at ! end ( ! game mo/ ( ! money w be 9 ! box2 & ev] a /ate fl\ri%e? :5 weal? is m equally spread4 ,! fif? t x beats d[n ! price ( l&2 = ! employm5t ( money is *iefly ei!r pur*as+ or m]*&is+2 & usury waylays bo?4 ,! six?1 t x do? dull & damp all indu/ries1 improvem5ts & new inv5tions1 :]e9 money w\ld be /irr+1 if x 7 n = ?is slug4 ,! la/1 t x is ! cank] & ru9 ( _m m5's e/ates2 :i* 9 process ( "t bre$s a public pov]ty4 ,on ! o!r side1 ! commodities ( usury are1 fir/1 t h[soev] usury 9 "s respect h9d]e? m]*&is+1 yet 9 "s o!r x advance? x2 = x is c]ta9 t ! greate/ "p ( trade is driv5 by "y m]*ants ^u borr[+ at int]e/2 s z if ! usur] ei!r call 9 or keep back 8 money1 !re w ensue pres5tly a great /& ( trade4 ,! second is1 t 7 x n = ?is easy borr[+ ^u int]e/1 man's necessities w\ld draw ^u !m a mo/ sudd5 undo+2 9 t !y w\ld be =c$ to sell _! means 7be x l&s or goods7 f> "u foot2 & s1 :]eas usury do? b gnaw ^u !m1 bad m>kets w\ld swall[ !m q up4 ,z = mortgag+ or pawn+1 x w little m5d ! matt]2 = ei!r m5 w n take pawns )\t use2 or if !y d1 !y w look precisely = ! =feiture4 ,i rememb] a cruel moni$ man 9 ! c\ntry t w\ld say3 ',! devil take ?is usury1 x keeps u f =feitures ( mortagages & bonds4' ,! ?ird & la/ is1 t x is a vanity to conceive t !re w\ld be ord9>y borr[+ )\t pr(it2 & x is impossible to conceive ! numb] ( inconv5i5ces t w\ld ensue if borr[+ be cramp$4 ,!re=e1 to speak ( ! aboli%+ ( usury is idle4 ,all /ates h ev] _h x1 9 "o k9d or rate1 or o!r4 ,s z t op9ion mu/ be s5t to ,utopia4 ,to speak n[ ( ! re=mation & reiglem5t ( usury2 h[ ! discommodities ( x may be be/ avoid$1 & ! commodities ( x reta9$4 ,x appe>s by ! balance ( commodities & discommodities ( usury1 two ?+s are to be reconcil$4 ,! "o1 t ! too? ( usury be gr9d$ t x bite n too mu*2 ! o!r1 t !re be left op5 a means to invite moni$ m5 to l5d to ! m]*ants = ! cont9u+ & quick5+ ( trade4 ,?is c n be done except y introduce two sev]al sorts ( usury1 a less & a great]4 ,= if y r$uce usury to "o l[ rate x w ease ! common borr[]1 b ! m]*ant w be to seek = money4 ,& x is to be not$1 t ! trade ( m]*&ise1 be+ ! mo/ lucrative1 may be> usury at a good rate3 o!r contracts n s4 ,to s]ve bo? int5tions1 ! way w\ld be briefly ?us3 ,t !re be two rates ( int]e/2 ! "o free & g5]al = all1 ! o!r "u lic5se only1 to c]ta9 p]sons & 9 c]ta9 places ( m]*&is+4 ,fir/1 !re=e1 let usury 9 g5]al be r$uc$ to five 9 ! hundr$2 & let t rate be proclaim$ free & curr5t2 &1 let ! /ate %ut itself out to take any p5alty = ! same4 ,?is w pres]ve borr[+ f any g5]al /op or dryness4 ,?is w ease inf9ite borr[]s 9 ! c\ntry4 ,?is w1 9 great "p1 raise ! price ( l&1 because l& pur*as$ at sixte5 ye>s' pur*ase w yield six 9 ! hundr$ & some:at m2 :]eas ?is rate ( int]e/ yields b five4 ,?is1 by l reason1 w enc\rage & edge indu/ri\s & pr(itable improvem5ts2 because _m w r v5ture 9 t k9d ?an take five 9 ! hundr$1 especially hav+ be5 us$ to great] pr(it4 ,secondly1 let !re be c]ta9 p]sons lic5s$ to l5d to kn[n m]*ants ^u usury at a high] rate2 & let x be ) ! cautions foll[+3 ,let ! rate be1 ev5 ) ! m]*ant himself1 some:at m easy ?an t he us$ =m]ly to pay2 = by t means all borr[]s %all h "s ease by ?is re=mation1 be he m]*ant or :osoev]4 ,let x be bank or common /ock1 b e man be ma/] ( 8 own money4 ,n t ,i altoge!r mislike banks1 b !y w h>dly be brook$ 9 reg>d ( c]ta9 suspicions4 ,let ! /ate be answ]$ "s small matt] = ! lic5se1 & ! re/ left to ! l5d]2 = if ! abatem5t be b small1 x w no :it disc\rage ! l5d]4 ,= he1 = example1 t took be=e t5 or n9e 9 ! hundr$1 w soon] desc5d to eight 9 ! hundr$ ?an give ov] 8 trade 9 usury1 & g f c]ta9 ga9s to ga9s ( haz>d4 ,let ^! lic5s$ l5d]s be 9 numb] indef9ite1 b re/ra9$ to c]ta9 pr9cipal cities & t[ns ( m]*&is+2 = !n !y w be h>dly able to color o!r m5's monies 9 ! c\ntry4 ,s z ! lic5se ( n9e w n suck away ! curr5t rate ( five2 = no man w l5d 8 monies f> (f1 nor put !m into unkn[n h&s4 ,if x be object$ t ?is do? 9 a sort au?orize usury1 :i* be=e 0 9 "s places b p]missive2 ! answ] is1 t x is bett] to mitigate usury by decl>ation1 ?an to suff] x to rage by connivance4 7,works ( ,francis ,bacon1 ,vol4 #ab1 ,page #bah47 ,,*apt] ,,xxxviii4 ,,:y ,,?is ,,tru? ,,0 ,,neglect$4 ,t we may f9d ! way ( return1 we mu/ consid] ! reasons ( our w&]+4 ,we mu/ rev]se our direction & retrace our /eps4 ,^! reasons are n occult or h>d to f9d4 #a4 ,! dep>ture _h its root 9 man's deprav$ nature4 ,! natural t5d5cy is evil1 :ile ! graces mu/ be cultivat$ ) great dilig5ce4 ,evils gr[ z we$s gr[ 9 ! g>d51 z ?orns & ?i/les & bri]s cov] ! unt5d$ fields4 ,?is evil has n be5 di/urb$ by any book expos+ its h>m = a hundr$ ye>s1 & x has be5 two hundr$ s9ce x 0 treat$ z a violation ( ! ,eigh? ,comm&m5t4 ,?is evil1 ?us left undi/urb$1 has fl\ri%$ & spread ov] all ! _w4 #b4 ,two & ?ree hundr$ ye>s ago ! great doctr9es 7 occupy+ ! ?\ght ( ,*ri/5dom4 ,! doctr9es ( free grace1 by rep5tance & an ex]cise ( fai?1 7 receiv+ close att5tion4 ,! cre$s ( ! d5om9ations 7 be+ unfold$1 & _! def5se & pro( absorb$ ! ?\ght ( ! wise & good4 ,:at %all we believe 0 ! "q8 #c4 ,o!r great evils /ood be=e ! faces ( ^? :o labor$ = ! uplift+ ( ! race4 ,practices atta*$ to ! ecclesia/ics1 & degrad+ ! organiz$ *ur*1 7 flaunt$ be=e ! eyes ( ^? :o /ood = true fai? & pure liv+4 ,^! 7 attack$ ) vigor1 :ile ?is evil1 :i* _h be5 especially ! s9 ( ! ,jew1 crept 9 & entr5*$ itself4 #d4 ,covet\sness is "o ( ^? secret s9s t may lurk 9 ! he>t :ile !re is ma9ta9$ a fair outw>d life4 ,few w admit ?is s94 ,prie/s decl>e t ?is is ! "o s9 t is nev] volunt>ily confess$4 ,usury is ! common outw>d activity ( ?is inw>d /ate1 & :5 usury 0 made lawful by ! /atutes ( ! realm1 ! voice ( consci5ce 0 sil5c$4 ,! consci5ce t w\ld cry out 9 prote/ aga9/ a rate ( int]e/ =bidd5 by law1 w p]mit ! same rate :5 ! /atutes ( ! /ate are *ang$4 #e4 ,e>ly education & natural buoyancy h l$ ! debtors to be less s5sitive to ! burd5s ( usury ^u !m4 ,a l>ge portion ( our pres5t ari?metic is tak5 up ) p]c5tage4 ,! position ( ! /ud5t1 9 m9d1 is t ( ! cr$itor4 ,?is is presum$ 9 ! /atem5ts ( ! problems & lies 9 ! ?\ght ( ! /ud5t 9 all ! calculations4 ,if ! /atem5ts ( propositions & _! conclusions 7 made to place ! /ud5t on ! debtor side1 !n ! /udy ( p]c5tage w\ld educate him to a horror ( ?is s94 ,:5 a loan is made1 ! att5tion ( ! borr[] is seldom call$ to ! rapidity ( increase & ! dang]s ( accumulation4 ,if ?is 7 done1 & a prompt return ( bo? pr9cipal & int]e/ requir$1 at ! end ( ! t]m ! borr[] w\ld soon be al>m$ at ! hopelessness ( p]man5t ga9 ?r\gh debt4 ,pet] ,coop]1 x is said1 taught ?is lesson to a fri5d :o 0 talk+ ( borr[+ = six mon?s at ?ree p] c5t4 ,we clip ! foll[+ /ory3 ,:y d y borr[ money = s %ort a "t8 ,mr4 ,coop] ask$4 ,because ! brok]s w n negotiate bills = long]4 ,well1 if y wi%1 said ,mr4 ,coop]1 ,i w disc\nt y\r note at t rate = ?ree ye>s4 ,are y 9 e>ne/8 ask$ ! w\ld-be borr[]4 ,c]ta9ly ,i am4 ,i w disc\nt y\r note = t5 ?\s& doll>s = ?ree ye>s at t rate4 ,w y d x8 ,( c\rse ,i w1 said ! m]*ant4 ,v well1 said ,mr4 ,coop]4 ,j sign ?is note = t5 ?\s& doll>s1 payable 9 ?ree ye>s1 & give me y\r *eck = eight hundr$ doll>s1 & ! transaction w be complete4 ,b :]e is ! money = me8 ask$ ! a/oni%$ m]*ant4 ,y don't get any money1 0 ! reply4 ,y\r int]e/ = ?irty-six mon?s at ?ree p] c5t4 p] mon? am\nts to "o hundr$ & eight p] c5t41 or t5 ?\s& eight hundr$ doll>s4 ,!re=e1 y\r *eck = eight hundr$ doll>s j makes u ev54 ,!re has come to ?is table1 a lett] rec5tly s5t by a wise uncle to 8 nephew1 :o s\ght f him 8 fir/ loan4 ,usually ! int]e/ is m9imiz$ :ile ! hopeful y\? is p]mitt$ to indulge 8 dreams ( fanci$ good1 to be easily ga9$ by a loan4 ,my ,ne> ,nephew3 ,i enclose a draft = =ty doll>s ) a note = ! am\nt to me1 due 9 "o ye> at six p] c5t41 :i* please sign & return to me4 ,?is is probably ! fir/ note t y h ev] giv51 & !re are "o or two ?+s ab\t a note t maybe y h nev] discov]$4 ,"o /rik+ peculi>ity is1 t !y always come due1 ?\gh !y are drawn = a ye>4 ,x may seem a long "t1 b :5 y h a note come due at ! end ( ! ye> x seems altoge!r too %ort & has gone be=e y are aw>e ( x4 ,ano!r peculi> ?+ is1 t :ile int]e/ is a little ?+ app>5tly1 yet x nev] works on ! eight-h\r sy/em1 b cont9ues /eadily ?r\gh ! :ole tw5ty-f\r1 & ?r\gh ! :ole sev5 days 9 ! week4 ,its ab\t ! mo/ indu/ri\s animal ( my acqua9tance1 work+ nights & ,sundays z well1 & app>5tly nev] becom+ 9 ! lea/ fatigu$1 consequ5tly1 ?\gh x appe>s to be s sl[1 /ill if y d n wat* x closely1 ! fir/ ?+ y "k y w be a/oni%$ at :at an am\nt ( "w x has accompli%$4 ,!re are o!r ?+s equally /rik+ ab\t notes1 b ^! two are ! mo/ important1 & ! ones ,i p>ticul>ly wi% to impress on y\r m9d4 ,p4,s4--,don't ?9k f ! tone ( ?is t ,i'm n will+ to let y h ! money4 ,i m]ely want to impress on y :at x means to g 9 debt4 #f4 ,! evil 0 n hi!rto s mu* felt4 ,?is1 especially1 is true 9 ! ,unit$ ,/ates4 ,great natural res\rces1 unclaim$ weal?1 made ! burd5 ( a small debt unfelt4 ,by appropriat+ ! va/ unbrok5 =e/s & untill$ l&s & unop5$ m9es ( preci\s metals1 ( coal & iron & gas & oil1 !re seem$ su* evid5t advantages f ! borr[$ capital t ! evils 7 unnotic$1 until ^! natural res\rces _h be5 appropriat$ & 7 held 9 private h&s1 & ! opportunities are f\nd to be d5i$ ^? :o h come s closely aft]4 ,?is sy/em made x possible = "o g5]ation to grasp a cont95t2 to grasp all its natural res\rces & hold !m1 & compel tribute f all t came aft]4 ,tak+ only a limit$ & %ort-"t view1 ! advantages seem$ great & ! evils small4 ,b look+ at ! welf>e ( ! g5]ations its evils might h be5 cle>ly disc]n$4 #g4 ,! evil 0 nev] be=e s great4 ,! va/ accumulations ( weal?1 s sure to foll[ ! op]ation ( usury1 0 hi!rto unkn[n4 ,corporations1 comb9ations = ! h&l+ ( great int]e/s1 grasp+ ! natural res\rces & monopoliz+ ! natural weal?1 ga9+ fran*ises cov]+ a monopoly ( privileges 9 transportation1 light & communication by ! telephone or telegraph1 are comp>atively rec5t4 #h4 ,! fir/ appe>ance ( indebt$ness is a seem+1 b false1 prosp]ity4 ,! "y man :o takes possession ( a tract ( l& & !n1 ) borr[$ capital1 improves x1 build+ 8 h\se & 8 b>ns & 8 p]man5t build+s1 & /ock+ x ) animals t please 8 ta/e1 has ! appe>ance ( ab\nd+ prosp]ity1 b z ! un5d+ gr9d ( usury cont9ues1 ^!1 he comes to feel1 are b weights to :i* he is *a9$1 & 9 an agony ( sweat he is compell$ to we> out 8 life4 ,a city incurr+ debt is seem+ly prosp]\s4 ,bonds are issu$ = ! erection ( attractive public build+s1 = ! pav+ ( muddy /reets1 = ! beautify+ ( public p>ks4 ,^! bond issues are signs ( ! prosp]ity ( only "o class1 ! usur]s4 ,! ultimate burd5 is ^u ! labor]s1 :o mu/ pay e bond1 int]e/ & pr9cipal4 #i4 ,! oppon5ts ( usury h n always be5 wise4 ,!y h indulg$ 9 bitt] invective r ?an solid argum5t4 ,! language ( ! fa!rs1 especially1 0 unqualifi$ 9 sev]ity4 ,:5 ! absurdity & unmitigat$ evil ( usury is se51 & "o feels t adequacy requires sup]latives1 x is n easy to re/ra9 language & use mild t]ms4 ,! div9e prohibition 0 s cle> & ! effects s oppressive1 especially to ! poor1 t x did n appe> to ! fa!rs to require argum5t4 ,! div9e au?ority 0 n1 !re=e1 foll[$ up ) ! economic basis or reasons = ! prohibitions4 ,usury crept 9 because x 0 n b>r$ out by ! s\nd reason+ ( ^? :o knew its evils4 ,! vitup]ations 7 ignor$ z ! rant+s ( ill-balanc$ m9ds4 #aj4 ,l e o!r wrong1 x fe$s ^u itself4 ,! v conditions x produces fo/]s & promotes its gr[?4 ,at fir/ direct+ ef=t & ?\ght along mat]ial l9es1 ultimately ! ideals become grovel+4 ,! purposes ( a wor?y life & ! *>act]i/ics ( a noble manhood are p]v]t$4 ,!re comes a wrong idea ( true greatness4 ,!re arises a false measure ( manhood4 ,t measure is weal?1 & ( all ! gr\nds ( di/9ction among m51 weal? is ! mo/ sordid4 ,success is accumulation ( weal?4 ,prosp]ity is gett+ ri*4 ,:atev] else a man may accompli% 9 life1 if he rema9s poor he is acc\nt$ a failure4 ,yet to ?is pass1 su* a pass1 h we come1 t our national & age *>act]i/ic is t ( mat]ial ga91 commonly call$ comm]cialism4 ,?is 0 n ! ?\ght ( our fa!rs :o subord9at$ mat]ial ga9 to ! developm5t ( noble manhood4 ,?is is a p]v]sion ( our ,am]ican traditions1 & is a m5ace to bett] developm5t ( ! individual & ( ! /ate4 #aa4 ,wrong laws mislead ! judgm5t & p]v]t ! consci5ce4 ,if !re is a want ( h>mony betwe5 ! moral & /atute law :5 selfi% int]e/s are s]v$1 ! moral law w be ignor$4 ,/ate laws ease ! consci5ce t w\ld be o!rwise tr\bl$4 ,! rate ( usury fix$ by a /ate is us$ z a moral guide4 ,:5 ! legal rate is six p] c5t4 x is wrong to take eight1 b :5 ! legal rate is t5 p] c5t4 !n x is n wrong to take t54 ,! famili>ity ( our p ) laws recogniz+ & en=c+ int]e/ rates has p]v]t$ _! ideas ( "r & ju/ice by sub/itut+ ! /atute = ! div9e moral law4 ,b /ate laws c also tr\ble ! consci5ce t is at ease & be a tea*] ( righte\sness4 ,let ! anci5t laws =bidd+ usury be plac$ ^u our /atute books & en=c$1 & x w\ld n be half a g5]ation till ! consci5ce & reason bo? approv$4 ,no?+ 9 hi/ory m %ock$ ! consci5ce ( ,*ri/5dom ?an ! compact ( ,william & ,m>y ) usur]s 9 #afid4 ,t 0 9 direct conflict ) ! tea*+s & practice ( all ! ages among ,*ri/ians4 ,x has tak5 two hundr$ ye>s = c\rts & /ates & f9ancial in/itutions to fir/ dull ! ,*ri/ian consci5ce & !n secure its approval4 ,! _w n[ awaits ! com+ ( "s capta9 ( righte\sness1 equal 9 au?ority & influ5ce 9 *ur* & /ate1 :o w organize a return to ! fai? & practice ( ! fa!rs4 ,,*apt] ,,xxxix4 ,,cru%$ ,,tru? ,,w ,,rise ,,aga94 ,! practice ( usury is s g5]al1 & x is app>5tly s fully approv$ & sanction$ by _m ( ! mo/ intellig5t & virtu\s ( our p1 t ^? :o believe 9 its prohibition & are dispos$ to pessimism may be utt]ly disc\rag$4 ,tru? mu/ ev5tually prevail4 ,any cu/om or sy/em built ^u falsehood mu/ soon] or lat] yield4 ,! h\se built ^u ! s& mu/ 9 "t fall4 ,x may be und]m9$ by ye>s ( in/ruction & s gradually give way t ! date ( its ov]?r[ c h>dly be det]m9$1 or x may 9 its /r5g? be tak5 9 a /orm & fall4 ,! :ole comm]cial cr$it sy/em built on ?is mon/r\s falsehood mu/ ei!r crumble or tumble4 ,! prophet ,isaiah 0 hopeful & happy 9 ! mid/ ( ! mo/ unfavorable conditions ( corruption & ali5ation f ! tru?1 = he 0 able ) 8 prophetic eye to cat* a glimpse ( ! good "t com+1 :5 righte\sness %\ld completely triumph4 ,he %all tea* u ( ,8 ways & we %all walk 9 ,8 /eps4 ,) righte\sness %all ,he judge ! poor4 ,righte\sness %all be ! girdle ( ,8 lo9s4 ,no prophet has fix$ a date = ! suppression ( usury1 yet no intellig5t man ( fai?1 famili> ) ! re=ms ( ! pa/1 :5 z ?or\ghly entr5*$ & z giant evils 7 attack$ & ov]?r[n1 ne$ be 9 despair4 ,we 7 enslav$ by sup]/itions4 ,haunt$ h\ses 7 num]\s & ! bewit*+ ( p 0 frequ5t4 ,two hundr$ arre/s = wit*craft 7 made 9 a s+le ye>1 #afib1 & tw5ty ( ^! p]sons 7 put to dea?4 ,^! p]secutions 7 urg$ & def5d$ by ,cotton ,ma!r1 a repres5tative ( ! highe/ intellig5ce & culture ( ! times4 ,8 "m 0 a daught] ( ,john ,cotton1 & 8 fa!r ! ,presid5t ( ,h>v>d ,college4 ,n[ black cats & epilepsy inspire no fe>1 & gho/ /ories d n n[ t]rify & unn]ve our *ildr54 ,duell+ prevail$ among m5 ( honor4 ,public op9ion made x compulsory t p]sonal diff]5ces betwe5 g5tlem5 %\ld be settl$ 9 ?is way4 ,p]sons 7 br&$ z c[>ds :o w\ld n put _! lives 9 jeop>dy4 ,few _h ! c\rage to resi/4 ,duels 7 common among ! political lead]s at ,wa%+ton4 ,_m a %ot rang out at sunrise 9 ! little valley at ,blad5sburg1 ! not$ duell+ gr\nd4 ,jackson & ,b5ton & ,clay & ,de ,witt ,cl9ton 7 duelli/s4 ,aft] ! kill+ ( ,alex&] ,hamilton by ,a>on ,burr1 9 #ahjd1 ! :ole c\ntry 0 ar\s$ & an agitation began aga9/ ! cu/om1 b x yield$ sl[ly4 ,9 #ahch & #ahda !re 7 duels betwe5 di/+ui%$ congressm54 ,b n[ public op9ion is s trans=m$ t ! honorable & brave duelli/ is a moral c[>d4 ,gambl+ 0 a common s94 ,!re 7 lott]ies organiz$ = ! rais+ ( funds = /ate & municipal exp5ses4 ,!re 7 raffles at *ur* fairs to support ! ord9ances 9 ! sanctu>y4 ,! rules ( ! games 7 protect$ by ! laws ( ! /ate4 ,no "o :o _h lo/ 9 a game c\ld recov] by law unless he prov$ t ! rules ( ! game _h n be5 foll[$4 ,! rules = gambl+ 7 reg>d$ z legitimate z ! regulations ( any bus9ess4 ,! gambl] 0 only a law-break] :5 he *eat$4 ,n[ gambl+ is unlawful 9 e /ate & t]ritory1 & any newspap] adv]tis+ a lott]y is %ut out ( our mails4 ,ev5 an hone/ gambl] is n[ class$ among robb]s4 ,intemp]ance 0 rampant ?r\gh ! eighte5? c5tury & m ?an half ! n9ete5?4 ,:isky 0 k+4 ,?r\gh a false physiology x became ! almo/ univ]sal op9ion t 9 ! great portion ( ! ,unit$ ,/ates ! climate requir$ ! use ( ard5t _s4 ,m9i/]s & all classes ( ! p 7 ?us delud$1 & almo/ e p]son1 adult or *ild1 0 a consum]4 ,^u ris+ 9 ! morn+ a glass ( liquor mu/ be tak5 to give an appetite = breakfa/4 ,at elev5 o'clock ! m]*ant 9 8 c\nt+-room1 ! blacksmi? at 8 =ge1 ! m[] 9 ! hay field1 took a dram to give !m /r5g? till ! r++ ( ! bell or ! s\nd+ ( ! horn = d9n]4 ,9 mid-aft]noon !y drank aga94 ,:5 "w = ! day 0 done1 be=e go+ to b$1 !y quaff$ ano!r glass4 ,x 0 ! regul> r\t9e ( dr9k+ 9 well-regulat$ & temp]ate families4 ,hospitalities began ) dr9k+4 ',:at w y take8' 0 ! "q ( ho/ to visitor4 ,n to accept ! pr(f]$ hospitality 0 disrespectful4 ,0 !re ! rais+ ( a meet+ h\se1 !re mu/ be hospitality = all ! p>i%3 no lack ( liquor2 & :5 ! la/ timb] 0 9 its place a bottle ( rum mu/ be brok5 ^u ! ridge-place4 ,9 w9t] m5 drank to keep !mselves w>m2 9 summ] to keep !mselves cool2 on ra9y days to keep out ! wet1 & on dry days to keep ! body 9 moi/ure4 ,fri5ds1 meet+ or p>t+1 drank to p]petuate _! fri5d%ip4 ,husk]s ar\nd ! corn-/ack1 workm5 9 ! field1 ma/] & appr5tice 9 ! %op1 pass$ ! br[n jug f lip to lip4 ,! lawy] drank be=e writ+ 8 brief or plead+ at ! b>2 ! m9i/]1 :ile prep>+ 8 s]mon or be=e deliv]+ x f ! pulpit4 ,at w$d+s bridegroom1 bride1 groomsman1 & gue/ quaff$ sp>kl+ w9es4 ,at fun]als m9i/]1 fri5d1 neighbor1 m\rn]1 all except ! corpse1 drank ( ! b\ntiful supply ( liquors always provid$4 ,n to dr9k 0 disrespectful to liv+ & dead1 & depriv+ !mselves ( com=t & consolation4 ,9 e community !re 7 ble>-ey$ m5 ) bloat$1 hagg>d faces2 weep+ wom51 />v+ *ildr54 7,build+ ( a ,nation4 ,page #bga47 ,:ile temp]ate m5 7 griev$ at ! tide ( wret*$ness & prote/$1 !y did n ?9k x possible to get on )\t :isky4 ,dr4 ,prime1 = s _m ye>s editor ( ! ,new ,york ,obs]v]1 told ( ! meet+ ( ! family physician & ! pa/or at 8 fa!r's home 9 a case ( sev]e illness4 ,:5 ! physician took 8 leave ! pa/or foll[$ him into ! y>d1 :]e !y _h a long consultation4 ,! pa/or 0 anxi\sly seek+ advice4 ,?ree dr9ks made 8 head swim1 & ! problem 0 h[ he c\ld make m ?an ?ree calls & n become un/eady4 ,! doctor gave directions & ,dr4 ,prime said t nei!r ! m9i/] nor ! physician ?\ght ( ! simple rem$y1 n dr9k+4 ,x has tak5 two g5]ations1 b ! trans=mation is m>vel\s4 ,! m9i/] c n[ call 9 e home 9 8 p>i% & nev] once h an opportunity to dr9k4 ,if ,rev4 ,john ,pi]pont 0 yet liv+1 :o 0 put out ( 8 pulpit 9 ,bo/on by an ecclesia/ical c\ncil because he publicly prote/$ aga9/ ! use ( ! basem5t ( 8 *ur* z a /or]oom = :isky1 he w\ld see e m9i/] los+ 8 pulpit :o w\ld n publicly prote/ aga9/ su* a desecration4 ,rev4 ,george ,b4 ,*eev]1 ! dream]1 9 #ahcj1 woke up ! /upid consci5ces ( ! fuddl$ m5 & wom52 he wrote out 8 dream & publi%$ x1 ,deacon ,giles' ,di/ill]y1 & w5t to jail = x1 b ev5 he nev] dream$ ( ! greatness ( ! temp]ance re=m t has foll[$4 ,! ov]?r[ ( *attel slav]y is complete & ! human rights ( ! inf]ior peoples are recogniz$4 ,human slav]y 0 ( old1 z anci5t z hi/ory2 x 0 widespread ov] ! _w2 !re 0 an imm5se & pr(itable comm]ce 9 human fle%2 luxuri\s weal? & ease 0 secur$ by appropriat+ labor )\t comp5sation2 x 0 ?\ght t ! ,scriptures 9 bo? ,te/am5ts approv$ ! hold+ ( bondm52 !re 0 a consci\sness ( sup]ior gifts2 !re 0 a firm belief t ! negroes1 especially1 ne$$ ! c>e ( ! sup]ior race2 t !y 7 bett] (f & happi] ?an !y w\ld be 9 fre$om2 !re 0 a deep-seat$ race prejudice t rema9s unyield+ till ?is day4 ,yet ! slave trade has ceas$1 /opp$ by arm$ vessels patrol+ ! seas4 ,! slaves1 eight hundr$ ?\s&1 9 ! ,we/ ,indies 7 set free2 ! %ackles 7 /rick5 (f by ! sword 9 ! ,unit$ ,/ates2 ,brazil adopt$ gradual emancipation1 & *attel slav]y disappe>$ =ev] f ! civiliz$ _w4 ,! re=m battles f\ght & won are assurances t victory %all also rew>d ^? :o cont5d aga9/ ?is s9 ( usury4 ,!re are also o!r good gr\nds = confid5ce4 #a4 ,!y are seek+ only a return--a re=m3 a re/oration to a =m] /ate2 !y are n seek+ = ! e/abli%m5t ( "s new & untri$ !ory1 b !y are seek+ a return to ! fai? & conduct ( ! righte\s f ! beg9n+ & up sev5te5 c5turies ( ! ,*ri/ian era4 ,! race is b tempor>ily deflect$ to ! wor%ip ( ! gold5 calf4 #b4 ,!re is com+ =w>d a great army ( intellig5t1 virtu\s "y p4 ,!y are made intellig5t by our high s*ools1 sem9>ies & colleges4 ,!y are made /ud5ts ( ! ,bible & /imulat$ 9 righte\sness by ,sunday ,s*ools1 ,*ri/ian ,associations1 ,endeavors1 ,leagues & ,unions4 ,f ^! !re %all rise up def5d]s ( ! tru?1 free f ! burd5 ( debt & unbiass$ by life-long association ) conditions famili> to ^? old]4 ,! re=m]s 9 all ages h be5 "y1 & ?is re=m w be no exception4 ,!re is a ra%ness 9 y\? t ne$s direction1 b !re is also a da% & hope & confid5ce t is necess>y to break away f old cu/oms4 ,"o g5]ation ( intellig5t1 virtu\s "y p c\ld give ?is evil its fatal bl[4 ,usury _c fl\ri% among ! vici\s & ! unreliable4 ,o!r evils may fl\ri% among ! idle1 ! indol5t1 ! trea*]\s1 ! deceitful & ! di%one/1 b indu/ry & economy & integrity & fai?fulness & honor & ev5 ,god-fe>+ piety are desirable qualities 9 ! usur]'s victims4 ,! high] ! civilization1 yes ,*ri/ian civilization1 ! m is produc$ & ! ri*] ! h>ve/4 ,! usur] has no use = a savage4 ,?is worm ?rives 9 ! liv+ body & sucks its vitality4 ,x _c fl\ri% 9 putrid fle%4 ,let ! highe/ types ( our "y manhood avoid ?is s9 & its dea? knell is s\nd$4 #c4 ,pres5t conditions /imulate an int]e/ 9 ?is "q4 ,! unequal di/ribution ( ! va/ weal? n[ be+ produc$3 ! e>n+s ( ! _m turn$ into ! c(f]s ( a few2 ! /ruggles betwe5 ! employ]s & _! employees2 organiz$ labor & comb9ations ( weal?2 lead to a clos] /udy ( ?is & alli$ economic que/ions ?an !y h ev] receiv$ be=e4 ,! solution ( ^! que/ions w expose ! fraud ( usury4 #d4 ,! patriotic _s has n decay$ 9 our p & rul]s4 ,!y are z /rongly atta*$ to our free1 popul> in/itutions z 7 ! patriots ( '#gf4 ,!re is al>m at ! t5d5cy to slip away f ! e>ly traditions1 at ! c5tralization ( p[]1 at class legislation4 ,! influ5ce ( usury is s /rong to promote a favor$ class & to conc5trate p[]1 t x mu/ be resi/$ z an enemy to our republican in/itutions4 ,x gradually und]m9$ & !n de/roy$ ! republic ( ,v5ice1 & x is n[ do+ its fir/ "w ) u4 ,x mu/ soon em]ge f its cov]4 ,!n our p w ar\se ) _! patriotic f]vor & fell x ) "o bl[1 & !n bury x ) ! o!r enemies ( ! gov]nm5t t h f "t to "t aris54 #e4 ,9 ! /udies 9 sociology !re is n[ a /rong curr5t t[>d ,socialism4 ,!re is a desire to pres]ve ! individual's int]e/s & yet a /rong] disposition to m]ge him 9 ! g5]al welf>e4 ,!re is a conviction t ! privileges ( individuals h be5 unduly gu>d$ :ile ! rights ( ! public 7 neglect$1 t ! rights ( individuals h receiv$ an excess ( protection :ile ! welf>e ( ! great mass ( ! p has be5 sacrific$4 ,! pres5t problem ( ! /ud5t ( sociology is1 ,h[ c ! rights ( individuals be adju/$1 yet s z to ma9ta9 ! sup]ior int]e/s ( all ! p8 ,?is c be accompli%$ l>gely1 if n completely1 by ! abolition ( usury4 ,let ! ,gov]nm5t receive on deposit ! surplus weal? ( ! individuals = safe keep+ & subject to _! ord]s4 ,let ! ,po/al ,sav+s ,bank be e/abli%$4 ,! ,gov]nm5t is ! be/ possible security4 ,! c]tificates ( deposit w\ld be z good z ,gov]nm5t bonds4 ,!y c\ld take ! place ( ! ,national ,bank curr5cy4 ,! ,po/al ,dep>tm5t n[ transf]s money & 9 a mann] receives deposits & issues po/al notes4 ,^! deposits z !y accumulat$ w\ld lift f ! p ! burd5 ( ! int]e/ be>+ debt4 ,z !y increas$ ! ,gov]nm5t c\ld inve/ !m 9 public utilities to be op]at$ = ! g5]al welf>e4 ,! ,gov]nm5t ?us c>+ = ! surplus weal? ! p are entitl$ to any b5efits t may accrue f its use4 ,all w\ld h an int]e/ 9 pres]v+ & all w\ld %>e 9 ! advantages ( ! prop]ty ?us c>$ = by ! ,/ate1 :ile ea* w\ld h 8 individual e>n+s subject to draft = 8 p]sonal ne$s or pleasure4 ,?is w\ld pres]ve ! rights ( ! individual & secure to him p]fectly 8 surplus e>n+s1 & at ! same "t ! :ole p1 ?r\gh ! ,gov]nm5t1 w\ld h ! use ( ?is accumulat$ weal? = its safe-keep+4 ,?is w pres]ve ! /imulat+ inc5tives ( individualism & also ga91 practically1 ! bless+s ( ,socialism4 ,?is w be ! natural conclusion 9 ! balanc+ & adju/m5t ( ! pres5t sociological discussion4 #f4 ,! prohibition ( usury w\ld be to ! mat]ial advantage ( ! great mass ( our p4 ,x w\ld be a bless+ to all1 ?\gh x might h9d] ! mat]ial ga9 ( a few1 b ! h9d]$ w\ld n be a ti! ( our p4 ,x is n easy to =sake ! wrong :5 appetite or passion or selfi% int]e/s plead = x4 ,! m>tyrs :o w /& by ! "r ?\gh ! heav5s fall are n a majority ( our p4 ,! pa?s ( righte\sness are easy1 broad & smoo?1 & cr[d$ ) en?usia/ic %\t]s :5 self-int]e/ c walk h& 9 h& ) a re=m4 ,opposition to usury is self-def5se to ! poor1 ! p5sion]s1 ! produc]s1 & !y =m a mighty1 irresi/ible army4 #g4 ,reason rema9s4 ,! laws ( logic h n *ang$ nor has ! human m9d lo/ its p[] ( trac+ premises to _! conclusion4 ,! cu/om ( usury 0 nev] reason$ into practice1 b 0 p]mitt$ to creep 9 :ile reason 0 div]t$ to ab/ract1 ab/ruse1 s*ola/ic subjects by ^? :o claim$ to be s*ol>s4 ,_h ! fa!rs reason$ m ab\t practical subjects1 & scold$ less1 ?is s9 w\ld nev] h appe>$ 9 ,*ri/ian society & claim$ respectability4 ,:5 ! p beg9 to ?9k & to turn _! reason+ p[]s to ?is subject1 z light dispels d>kness1 ?is gross error w flee away4 #h4 ,! consci5ce is yet al]t to condemn ! wrong & to approve ! "r4 ,! public consci5ce 0 nev] m t5d] nor m delicately adju/$1 b x is want+ 9 intellig5ce 9 ?is matt]4 ,! eye _c see to det]m9e ! nature ( an object )\t light1 s ! consci5ce mu/ be enlight5$1 or made intellig5t by ! reason1 to enable x to give a "r decision4 ,consci5ce is ! same 9 all ages among all peoples1 & :5 in=m$ by inve/igation & reason+1 ! condemnation ( usury w be z unanim\s z 9 ! c5turies ( ! pa/4 ,pray] is also a means to ?is righte\s end4 ,god is /ill on ,8 ?rone4 ,8 e> is n heavy4 ,he he>s ! cry ( ! rav5 & sp>r[s & lions4 ,he he>s ! cry ( ,8 suff]+ *ildr5 & w n fail to come to _! relief4 ,9 all ! pa/1 man's extremity has be5 ,god's opportunity4 ,relief has come at unexpect$ times & by ways t 7 n kn[n4 ,sometimes by means t 7 insignificant & inadequate 9 ord] to %[ t x 0 n by human might or p[]2 sometimes by ! fai? ( "o humble believ]4 ,?is writ] has be5 famili> ) ! /ory ( ,david & ,golia? f 8 infancy4 ,to him1 ,mammon1 ^: head is usury1 is ! giant ,phili/9e :o n[ /alks =? to defy ! armies ( ! liv+ ,god1 & ) a gra9 ( ,david's fai?1 he fl+s ?is /one4 ,,index ,ab/95ce1 #bee ,ag>--,pray] (1 #bai ,am]ican ,revision1 #hg ,am]ican ,/atesman1 #agb ,ari/otle1 #acb1 #bei ,av]age ,int]e/1 #ace ,bank ( ,engl&1 #ahd1 #aie ,bank ( ,v5ice1 #aic ,bank1 ,fir/ 9 ,u4,s41 #aih ,banks & ,brok]s1 #afa ,bacon1 #ajh1 #ahj1 #bff ,bank+1 ,claim =1 #ef ,b>ri]s ,brok5 ,d[n1 #de ,borr[]1 #fb ,borr[+1 #bda ,b5ton1 ,?omas ,h41 #aii ,bankruptcy1 #agf ,basil1 #afi ,beza1 #ga ,bible & ,nature1 #ic ,bible ,encyclop$ia1 #h1 #ba ,block ,/one1 #aj ,bro!rhood--,*ri/ian1 #dg ,bu%1 ,pr(4 ,geo41 #ad ,bureau ( ,engrav+1 #abc ,capital ,comb9es1 #bbc ,cate*ism1 #bcc ,cato1 #bfa ,c> ,f>es1 #afd ,calv91 ,in/itutes (1 #gh ,calv91 ,lett] (1 #gc1 #afb1 #bdh ,calh\n1 ,j4,c41 #aii ,capital ,dem&s1 #afe ,cretan ,bonds1 #bjd ,*alm]s1 #fb ,*>lemagne1 #gj ,*ang$ ,conditions1 #ha ,*attel ,slave1 #adg ,"* 9 ,fa!rs1 #bjf ,*eev]1 ,rev4 ,geo41 #bhf ,cre$s1 #bgb ,croesus1 #bah ,covet\sness1 #fa1 #bad1 #bgc ,coop] ,anecdote1 #bgd ,city ,debts1 #adj1 #afh ,crim9al 9 ,c\rt1 #abg ,coa*man1 #aaa ,*ryso/om1 #fi ,*ri/-l ,s\l1 #db ,c\ncil ( ,t51 #aie ,cyrus1 #cf ,david1 #bf ,debts1 ,dis*>g$1 #fc ,debts1 ,/imulat$1 #ach ,debts1 ,*ur*1 #ada ,debts1 ,national1 #adb1 #ahi ,decay1 ,limits1 #acf ,deposit or ,loan1 #aje ,dilig5ce1 #fj ,disciples1 ,practice (1 #eh ,deacon ,giles' ,di/ill]y1 #bhf ,dives1 #bah ,doge1 ,!1 #aid ,duel+1 #bhb ,edw>d ,,iii1 #bfc ,edw>d ,,vi1 #bfd ,engl&1 ,hi/ory1 #bfb ,engli% ,p1 #aib ,elizabe?1 #bfd ,esau's ,ab/95ce1 #bef ,equality ,impossible1 #bbb ,e?ics 9 ,bible1 #id ,equity ,betwe5 ,?ieves1 #afj ,ex*anges1 #ef ,express ,company1 #aah ,extravagance1 #aee ,ezekiel's ,prote/s1 #ca ,ezra1 #cf ,family ,economy1 #aed ,f>m ,pres]v$1 #ace1 #bdg ,f>m ,consum$1 #bdf ,fai?ful ,/ew>d1 #aag ,fa!rs1 ,apo/olic1 #fi1 #hj ,fa!rs1 ,lat]1 #gj1 #hj ,f9ancial ,slav]y1 #aej ,=ce 9 ,ab/ract1 #ii ,fi%]s' ,cate*ism1 #bce ,freight ,rates1 #aji ,gold5 ,book1 #aid ,gambl+1 #bhc ,giv+1 #ea ,gravity ,levels1 #bbb ,great ,ent]prises1 #bci ,greek ,arti/1 #baf ,greece1 ,hi/ory1 #beh ,guile1 ,tak5 by1 #ajd ,hebrews 9 ,egypt1 #bab ,h5ry ,,ii1 #bfb ,h5ry ,,iii1 #bfc ,h5ry ,,vii1 #bfc ,h5ry ,,viii1 #bfd ,h9doo ,wid[1 #bd ,hone/y ,h9d]$1 #baj ,hodge1 ,dr4 ,*>les1 #bcg ,home ,want$1 #bea ,horace1 #bfa ,human ,nature1 #ha ,hume1 #aib ,incorporat$ ,prop]ties1 #aga ,indu/ry ,disc\rag$1 #bjg ,indians1 ,omahas1 #bdd ,inju/ice1 ,submitt$1 #abj ,int]e/ ,def9$1 #i ,insurance ,company1 #aai1 #bed ,int]e/1 ,comp\nd1 #ahj ,in/allm5t ,plan1 #adj ,intemp]ance1 #bhc ,jackson1 ,&rew1 #bjj ,jeff]son1 ,?os41 #bjj ,j5net1 ,m41 #ahb ,j]emy ,b5?am1 #aac ,j]emiah ,prote/s1 #cj ,jubilee1 ,ye> (1 #de ,ju/9ian ,code1 #bfa ,k+ ,alfr$1 #bfb ,kh$ive1 #bjc ,l& ,"q1 #bdi ,lomb>ds1 #aie ,london ,t5ants1 #afi ,lu!r1 #ga ,macauley1 #aif ,ma*9]y1 ,improv$1 #bbf ,mammon1 #bjc1 #bba ,melanc?on1 #ga ,messiah's ,"*1 #db ,moral ,law1 #hb ,milton1 #ade1 #bjc ,m9uits1 ,pet]1 #aha ,middle ,classes1 #bbj ,mons ,sac]1 #bfj ,money ,b>r51 #hc1 #abb ,moses1 #eg ,mosaic ,laws1 #aa1 #ad ,mc,cullough1 ,sec41 #bja ,nature & ,bible1 #ic ,nehemiah1 #cf1 #dj1 #eg1 #fc ,nile ,wor%ip1 #bad ,obsolete ,words1 #g ,"o ,c5t ,loan$1 #ahb ,ottoman ,empire1 #bab ,ov]-production1 #aef ,panics1 #ahg ,paul to ,timo?y1 #ei ,pauli/ ,fa!rs1 #fe ,p\nds1 ,p>able (1 #ed ,peel1 ,sir ,rob]t1 #aif ,physicians' ,*>ges1 #aae ,poor ,ri*>d1 #bdj ,poor1 ,oppress$1 #aed ,poor1 to ! ,_s1 #dh ,popes1 #gj ,polygamy1 #he ,production1 ,limit$1 #aeh ,promot]1 #afa ,prime1 ,dr41 #bhe ,rates1 ,diff] ,:y1 #ajh ,r5tals ( ,l&1 #bdc ,revolution1 #bch ,ridpa?1 #ga ,ri* ,fool1 #di1 #acg ,rights1 ,p]sonal1 #ih ,rights1 ,equal1 #ajb ,risk1 #bec ,robe1 #aaa ,rome1 ,hi/ory1 #bej ,rusk91 #gb1 #aef1 #bee ,s&s1 ,bi%op1 #gj ,sabba? ( ,re/1 #he1 #aga ,s*aff-,h]zog1 #h1 #fi ,scripture ,passages3 ,g5esis #ba3bf1 #g ,exodus #cb3a1 #g ,exodus #bb3be1 #ac1 #bj ,leviticus #ai3cc1 #cd1 #ba ,leviticus #bb3bb1 #ai ,leviticus #bc3bc1 #bb ,leviticus #cd3aj1 #bb ,deut4 #e3ad1 #bd ,deut4 #be3ai1 #ag ,deut4 #ae3g-i1 #dd ,numb]s #ae3ae1 #af1 #ai ,jo%ua #i3bc1 #bb ,psalm #ae1 #bf ,psalm #ib1 #g ,psalm #aab3a-c1 #ae ,prov]bs #bb3d1 #ae ,prov]bs #bh3bj1 #ae1 #bg ,j]emiah #ca3bi1 #cb ,isaiah #aj3ae1 #aja ,ezekiel #bd3ae-ah1 #ca ,ezekiel #bb3g-ab1 #ca ,ezekiel #ah3aag1 #cc ,mat!w #e3ag1 #dc ,mat!w #f3ab1 #de ,mat!w #ac3bb1 #dh ,mat!w #ai3bd1 #di ,mat!w #be3ad1 #eb ,luke #f3ce1 #dd ,luke #ea3eb1 #ec1 #dg ,luke #ai3ab1 #eb ,john #ae3ab1 #df ,john #ac3cd1 #df ,romans #a3ac1 #g ,romans #ac3h1 #fb ,acts #c3ag1 #g ,acts #b3dd1 #de1 #eh #a ,cor9?ians #a3bg1 #bh1 #eh #a ,cor9?ians #ac1 #h ,ephesians #d3bh1 #fj #a ,!ss4 #d3ae1 #g #a ,timo?y #e3h1 #ei ,james #e3a-f1 #fa ,slaves1 ,happy1 #adh ,slaves1 ,*attel1 #bhf ,self ,reliance1 #baa ,/rang]s1 ,?ree ,classes1 #ah ,%oe ,plant1 #abh ,%ylock1 #aba1 #aie ,slot ,ma*9es1 #ajd ,solomon & ,usury1 #bg1 #add ,solon1 #bah1 #bei ,socialism1 #bhi ,spirituality ,de/roy$1 #baf ,/ev5s1 ,?adeus1 #bja ,/rikes1 #bbg ,sultan1 #bjc ,sun ,wor%ip1 #bad ,sup]/itions1 #bhb ,taxes ,(f ! ,poor1 #afh ,t5antry1 #bej ,! ,hague1 #bcj ,tal5ts1 ,p>able (1 #eb ,?rift1 #ea1 #bji ,"t1 #ajg1 #bed ,temptation to ,upright1 #adi ,timon ( ,a!ns1 #adf ,tools1 ,n ,productive1 #ace ,trade1 ,pr(its 91 #abd ,tru/s1 #ahf1 #bbd ,usury1 ,def9ition1 #h ,usury & ! ,/rang]1 #ah ,valet1 #ade ,v5ice1 #aic ,vi5na1 ,c\ncil (1 #gj ,w>1 ,evils (1 #bbi ,web/]1 ,def9ition1 #i ,weal? ,decays1 #acb ,weal?1 ,b>r51 #aca ,william & ,m>y1 #aie1 #bfd1 #bgi ,wilson's ,cate*ism1 #bcc ,wrong ,laws1 #bgi ,"y ,re=m]s1 #ahg ,zac*eus1 #di ,z]ubbabel1 #cf ,! ,anti-,usury ,league ,! object1 ! purpose & "w ( ! ,anti-,usury ,league is to expose ! evils1 ! oppressions1 ! fraud & ! s9 ( usury or int]e/1 by publications1 by lectures1 by conv5tions & by e o!r practical me?od4 ,all p]sons 9 sympa?y ) ?is object1 & :o c 9 any way co-op]ate by di/ribut+ its lit]ature or by o!r publications or by lectur+ or by arrang+ = lectures or conv5tions1 are reque/$ to ent] into correspond5ce4 ,also all p]sons :o h become int]e/$ by read+ ! prec$+ pages & :o seek fur!r in=mation & :o desire to keep 9 t\* ) ! "w ( ?is ,league %\ld s5d _! names & addresses = enrollm5t4 ,,! ,,anti-,,usury ,,league1 ,mill]sburg1 ,ohio4 99 99 99 99 99 ---------------------------------------- ------------------- ,typographical errors correct$ 9 text3 ,page #ci3 covete\sness replac$ ) covet\sness ,page #ed3 ponds replac$ ) p\nds ,page #fa3 ,sabbao? replac$ ) ,sabba? ,page #fa3 weap replac$ ) weep ,page #fd3 bankrupty replac$ ) bankruptcy ,page #gj3 degr$ation replac$ ) degradation ,page #aac3 opportunites replac$ ) opportunities ,page #aai3 employes replac$ ) employees ,page #ade3 degr$ation replac$ ) degradation ,page #baa3 =bod+s replac$ ) =ebod+s ,page #bbe3 mutally replac$ ) mutually ,page #bbh3 neighors replac$ ) neighbors ,page #bid3 ,di*>g$ replac$ ) ,dis*>g$ ,page #big3 ,%(f1 ,h]zog replac$ ) ,s*aff-,h]zog ,page #bii3 ,za*eus replac$ ) ,zac*eus ---------------------------------------- ------------------- 99 99 99 99 99