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62 to the present hour. Not a step has been or can be made without capital. It is labor accumulated, multiplied into itself&mdash;raised to a higher power, as the mathematicians say. The locomotive is only possible today because, from the flint-knife up, one achievement has been multiplied into another through thousands of generations. We cannot now stir a step in our life without capital. We cannot build a school, a hospital, a church, or employ a missionary society, without capital, any more than we could build a palace or a factory without capital. We have ourselves, and we have the earth; the thing which limits what we can do is the third requisite&mdash;capital. Capital is force, human energy stored or accumulated, and very few people ever come to appreciate its importance to civilized life. We get so used to it that we do not see its use.

The industrial organization of society has undergone a development with the development of capital. Nothing has ever made men spread over the earth and develop the arts but necessity&mdash;that is, the need of getting a living, and the hardships endured in trying to meet that need. The human race has had to pay with its blood at every step. It has had