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his life out about his own section of the administration, 

 has yet seen what was wanted and has asked permis- 

 sion to make advances. This has been accorded on a 

 small scale, too small to pay its way, but still calcu- 

 lated to be of some use as an experiment. A begin- 

 ning has been made, in one instance that I can recall 

 in Oudh, on marvellously good lines, considering that 

 the responsible officer had no time to give to the 

 matter. Still his heart was in it, and at first some- 

 thing seemed to be coming of it. Long before any 

 conclusion could be formed, the father of the scheme 

 falls sick, or is promoted, or is transferred, and a new 

 man comes who cares for none of these things ; how 

 many amongst us care to be bothered with other 

 folks' trouble-giving children ? Of course ^he scheme 

 dies away. 



Naturally I contemplate no such half-hearted ped- 

 dling arrangements. The advances must be on a scale 

 to pay for their administration, and the officer who 

 makes them must have these and nothing else to attend 

 to ; it must be by these he makes or mars his reputa- 

 tion, stands or falls. 



The agriculturist can well afford to pay nine per 

 cent, for any money he wants. It is to him what 

 money at three per cent would be to a farmer at 

 home. 



"With no courts, no stamps, no bonds, nine per cent, 

 will, if work is done on a considerable scale, pay all 

 expenses of management, all losses, and return at least 

 a clear six per cent. 



It is not even possible that Government should have 

 to undertake this business generally; it will only 



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