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 voyage, for his tea and his vessel are insured, and if he has expended four thousand pounds he will receive more than five thousand; that is to say, if he has not attempted to speculate in some novel commodities, in which case he runs a chance of either doubling his fortune or losing it altogether.

Now, how could he find men willing to cross the sea, to travel to China and back, to endure hardship and slavish toil and to risk their lives for a miserable pittance? How could he find dock labourers willing to load and unload his ships for "starvation wages"? How? Because they are needy and starving. Go to the seaports, visit the cook-shops and taverns on the quays, and look at these men who have come to hire themselves, crowding round the dock-gates, which they besiege from early dawn, hoping to be allowed to work on the vessels. Look at these sailors, happy to be hired for a long voyage, after weeks and months of waiting. All their lives long they have gone to the sea in ships, and they will sail in others still, until they have perished in the waves.

Enter their homes, look at their wives and children in rags, living one knows not how till the father's return, and you will have the answer to the question. Multiply examples, choose them where you will, consider the origin of all fortunes, large or small, whether arising out of commerce, finance, manufactures, or the land. Everywhere