CHAPTER XVII. 



CAPITAL AND CO-OPERATION. 



Access to the land and a cottage to live in is 

 the first desideratum in the colonisation of 

 England, but to withhold from the settler 

 capital to stock his land or equip his home- 

 stead is like placing a starving man in a golden 

 palace. We realised this plainly enough in 

 Ireland when we began to resettle the migrants, 

 and yet it has taken the Government four 

 years to realise the necessity of capitalising the 

 English small holder. It is not charity that 

 the tillers of the soil are demanding, but the 

 use of some of that wealth that they have 

 already created ; and they are willing not only 

 to repay this money, but something additional, 

 too, in the shape of interest. 



A great deal has been written about credit 

 banks, and in this book I need hardly traverse 



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