hy Loans from Government or Public Companies. 137 
results aro move likely to be obtained by adoptin<>- the advice 
of those who are constantly in the habit of planninj^ similar 
works on a larj^e scale, and with a view to include in one system 
a considerable; tract of land. 
" Besides the above-mentioned classes of operations, the Com- 
pany frequ(>ntly, at the landowner's request, })repare the detailed 
plans, sj)ecirications, and estimates, in accordance with the 
retpirements of the Inclosure Office, so as to enable him to 
execute the works by his own agents and with his own money, 
and to receive repayment from the Company of the amount 
expended after the improvements have been approved and passed 
by the Commissioners, and the charge on the estate completed. 
For the assistance rendered under this arrangement the com- 
mission is 7^ per cent., inclusive of the surveyor's charge. 
" Again, if a landowner wishes to lay out his own money in 
effecting improvements, but desires to charge the cost upon the 
estate, the Company will make the necessary application to the 
Inclosure Office, and carry through all the other proceedings 
re([uisite for giving to the landowner the benefit of their Act. 
In such cases their commission is only 3^ per cent, upon the 
outlay, while the landowner obtains a charge with a parliamentary 
title, taking precedence of any other charges or encumbrances on 
the estate, which may either be left as a provision for his widow, 
or for the maintenance of infant children, or be employed as a 
means of raising money at far less than the cost of an ordinary 
mortgage. 
" The Company likewise undertake drainage or other improve- 
ments for landowners, who, while desirous to avail themselves 
of the experience and skill of the Company's officers and staff, 
do not wish to charge the outlay on their estates. In such cases 
the commission is 95. per acre for drainage (inclusive of the 
surveyor's travelling expenses, where the area drained exceeds 
100 acres), and 5 per cent, on the outlay, with the usual surveyor's 
charges for all other improvements. Under engagements of this 
nature, which never go into the Inclosure Office, the Company 
have executed very extensive works. 
" In conclusion, I should beg you to remember, that the Com- 
pany's profit is solely derived from their commission, and that 
they make nothing either upon the loans or upon the contracts 
for the works, procuring the former at the lowest rates at which 
they can be obtained, and charging only cost price under the 
latter ; while they give every assistance to the landowner in 
economising the outlay, by facilitating arrangements for making 
bricks and pipes upon the property, by employing all such 
other approved materials as the estate may furnish, and by pro- 
viding for their haulage by the tenants." 
