Cash and Credit work. If a man has money at his back, he may touch these things and do "Something which will live a long while, and he may be very happy in doing it; if he has no money,^ he may do good work, but the chances are he will be killed in doing it and for having done it; or he may make himself happy by doing bad work and getting money out of it, and there is no great harm in this, provided he knows his work is done in this spirit and rates it for its commercial value only. Still, as a rule, a man should not touch any of the arts as a creator unless he has a discreta fiosizionina behind him. Modern Simony It is not the dealing in livings but the thinking they can buy the Holy Ghost for money which vulgar rich people indulge in when they dabble in literature, music and painting. Nevertheless, on reflection it must be admitted that the Holy Ghost is very hard to come by without money. For the Holy Ghost is only another term for the Fear of the Lord, which is Wisdom. And though Wisdom cannot be gotten for gold, still less can it be gotten without it. Gold, or the value that is equivalent to gold, lies at the root of Wisdom, and enters so largely into the very essence of the Holy Ghost that " No gold, no Holy Ghost " may pass as an axiom. This is perhaps why it is not easy to buy Wisdom by whatever name it be called—I mean, because it is almost impossible to sell it. It is a very unmarketable commodity, as those who have received it truly know to their own great bane and boon. My Grandfather and Myself My grandfather worked very hard all his life, and was making money all the time until he became a bishop. I have worked very hard all my life, but have never been able to earn money. As usefulness is generally counted, no one can be more useless. This I believe to be largely due to the public-school and university teaching through which my grandfather made his money. Yes, but then if he is largely responsible for that which has made me useless, has he not also left me the hardly-won money which makes my useless-