CAPITAL AND CO-OPERATION. 337 



For instance, take the example of a granary, 

 which is rarely found of any size on a small 

 holding; and yet without a good-sized, rat-proof 

 granary you cannot expect a small holder to 

 buy in large quantities, and therefore he loses 

 the opportunity of buying at low market rates. 



Such expensively built farm buildings as 

 granaries and stables might very well be 

 erected under one roof, and each small holder 

 be required to pay rent for stall room or his 

 private bin in the large granary. Outside in 

 the stockyard might be erected the common 

 Dutch barn big enough to cover half a dozen 

 large haystacks, and a large liquid manure 

 tank, made for the use and profit of all. 

 Here, too, could be housed the gas-engine 

 used for grinding corn, pulping roots, or 

 crushing cake, and a Canadian mill erected 

 to supply sufficient water for all. In this 

 way, apart from the utilitarian and aesthetic 

 considerations, the small holders would 

 naturally become co-operators. 



Now we have to consider the question of 

 raising capital for the small holder who has to 

 equip his holding with live-stock and imple- 

 ments, and this brings us back, naturally, 

 to Credit Banking. 



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