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346 agency on which to throw the blame for the consequences of their own acts, especially for those acts which are violations of the industrial virtues; but when all is said in correction of the popular abuse of luck, it is useless to deny that good or ill fortune may make or mar the success of men in spite of their most careful endeavors. This element, however, is irrational; there is an element in it of which we are ignorant. Therefore, it is beyond our command and we have to submit to it and make the best of it. Our only means of dealing with it, where we can do so, is to meet it co-operatively as we do in insurance. Returning, then, to the industrial virtues, I repeat that they are our only moral resource for winning success in the battle of life. The greater the disadvantages under which one starts in life, the higher the value of these virtues for winning the first foothold and making the first step to something better. There is reason for profound faith in any device which is proposed for societal improvement if, upon strict analysis, we can find that it will touch the springs of industrial virtue and raise the industrial virtues to higher activity. There is no ground for faith in any device which does not stimulate those virtues. It is not necessary to add that if devices which are proposed are found upon examination to stimulate envy or vanity, or fondness for talk, or a desire to live by one's wits, they are only mischievous. It is not easy for us to form estimates of each other's virtues, especially when we look at each other in classes, but the savings bank depositor, as a type, gives the surest and most concrete evidence of the industrial virtues. He must be industrious, frugal, prudent, and temperate. He is a capitalist; he is getting in hand that power which, as I have said, has created and now upholds all civilization. He is winning a share in its power. He is getting the