CAPITAL 299 



dollars. He disputes the account, says he never had the 

 goods, there is some mistake, they have been charging 

 neighbors' purchases to his account; he takes an hour 

 to inspect the items, pays the bill under protest, and, 

 concluding that he has had enough unhappiness for one 

 day, takes something to drink and lets the half dozen 

 other fellows wait for their pay. For it will be some 

 pleasure to carry even a small roll of bills for at least a few 

 days in the year." 



The progressive farmer keeps his money in a bank 

 and pays with checks. He no longer carries money 



\ViLLiA*isBURG,VA_fckJ 



THE PENINSULA BANK 



Ilia. 



, ^ ^ ^^ 



^^ 



-BOT.1.ARS 



FIG. 65. A properly written check. The statement of what the 

 money was paid for makes a receipt. 



about with him or hides it in an old boot. There are 

 many advantages of using checks. One very important 

 advantage is that the check makes a receipt. 



191. Agricultural credit as a public question. With 

 the revival of interest in agriculture, the fact that we have 

 no adequate system of agricultural credit is attracting 

 attention. The condition is certainly a very serious 

 one. Farm mortgages are made for too short a time when 

 the slowness of returns from some of the best farm invest- 

 ments is considered. It takes time for tile drains and pure- 



