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258 company I have felt that I am a better man. Life has seemed more precious. Accidents have assumed a kindlier aspect. Distressing special providences have lost half their horror. I look upon a cripple, now, with affectionate interest—as an advertisement. I do not seem to care for poetry any more. I do not care for politics—even agriculture does not excite me. But to me, now, there is a charm about a railway collision that is unspeakable.

There is nothing more beneficent than accident insurance. I have seen an entire family lifted out of poverty and into affluence by the simple boon of a broken leg. I have had people come to me on crutches, with tears in their eyes, to bless this beneficent institution. In all my experience of life, I have seen nothing so seraphic as the look that comes into a freshly mutilated man's face when he feels in his vest pocket with his remaining hand and finds his accident ticket all right. And I have seen nothing so sad as the look that came into another splintered customer's face, when he found he couldn't collect on a wooden leg.

I will remark here, by way of advertisement, that the noble charity which we have named the, is an institution which is peculiarly to be depended upon. A man is bound to prosper who gives it his custom. No man can take out a policy in it and not get crippled before the year is out. Now there was one indigent man who had been