Contents xiii 



PAGE 



The Working Capital 287 



The Loaning of Mone 288 



The Federation of Raiffeisen Banks 289 



The Schulze-Delitzsch Banks 290 



The Working Capital 291 



The Landschaften 291 



The New Landschaften . 294 



CHAPTER XII 

 THE KURAL TELEPHONE (PAGE 299) 



CHAPTER XIII 

 MUTUAL INSURANCE (PAGE 308) 



A Plan for a Mutual Insurance Company ..... 309 

 The Strength of the Mutual Insurance Associations . . . 311 

 State Mutual Associations 313 



BIBLIOGRAPHY (PAGE 317) 



General References 322 



Cow Testing and Breeding 324 



Creameries 324 



Dairying 324 



