But not to dwell on what is so obvious how many let me ask, of the possessors of inherited wealth in England or in any other country, fulfil or approach Mr. Greg's ideal? I confess that, as regards the mass of the English squires the passage seems to me almost satire. Refined taste and expanded intellect, promptness to discern and aid striving merit and unearned suffering, life surrounded with all that art can do to render it beautiful and elegant, the best productions of intellect gathered from all intellects and ages—I do not deny that Mr. Greg has seen all this, but I can hardly believe that he has seen it often, and I suspect that there are probably people not unfamiliar with the abodes of great landowners who have never seen it at all. Not to speak of artists and art, what does landed wealth do for popular education? It appears from the Popular Education Report of 1861 (p. 77) that in a district taken as a fair specimen, the sum of L4,518, contributed by voluntary subscription towards the support of 168 schools, was derived from the following sources:

169 clergymen contributed L1,782 or L10 10 0 each 399 landowners " 2,127 " 5 6 0 " 2l7 occupiers " 200 " 18 6 " 102 householders " 181 " 1 15 6 " 141 other persons " 228 " 1 12 4 "

The rental of the 399 landowners was estimated at, L650,000 a year. Judging from the result of my own observations, I should not have been at all surprised if a further analysis of the return had shown that not only the contributions of the clergy but those of retired professional men and others with limited incomes were, in proportion, far greater than those of the leviathans of wealth.

To play the part of Mr. Greg's ideal millionaire, a man must have not only a large heart but a cultivated mind; and how often are educators successful in getting work out of boys or youths who know that they have not to make their own bread?

In my lecture I have drawn a strong distinction, though Mr. Greg has not observed it, between hereditary wealth and that which, however great, and even, compared with the wages of subordinate producers, excessive, is earned by industry. Wealth earned by industry is, for obvious reasons, generally much more wisely and beneficially spent than hereditary wealth. The self-made millionaire must at all events, have an active mind. The late Mr. Brassey was probably one man in a hundred even among self-made millionaires; among hereditary millionaires he would have been one in a thousand. Surely we always bestow especial praise on one who resists the evil influences of hereditary wealth, and surely our praise is deserved.

The good which private wealth has done in the way of patronizing literature and art is, I am convinced, greatly overrated. The beneficent patronage of Lorenzo di Medici is, like that of Louis XIV., a chronological and moral fallacy. What Lorenzo did was, in effect, to make literature and art servile and in some cases to taint them with the propensities of a magnificent debauchee. It was not Lorenzo, nor any number of Lorenzos, that made Florence, with her intellect and beauty, but the public spirit, the love of the community, the intensity of civic life, in which the interest of Florentine history lies. The decree of the Commune for the building of the Cathedral directs the architect to make a design "of such noble and extreme magnificence that the industry and skill of men shall be able to invent nothing grander or more beautiful," since it had been decided in Council that no plan should be accepted "unless the conception was such as to render the work worthy of an ambition which had become very great, inasmuch as it resulted from the continued desires of a great number of citizens united in one sole will."

I believe, too, that the munificence of a community is generally wiser and better directed than that of private benefactors. Nothing can be more admirable than the munificence of rich men in the United States. But the drawback in the way of personal fancies and crochets is so great that I sometimes doubt whether future generations will have reason to thank the present, especially as the reverence of the Americans for property is so intense that they would let a dead founder breed any pestilence rather than touch the letter of his will.

Politically, no one can have lived in the New World without knowing that a society in which wealth is distributed rests on an incomparably safer foundation than one in which it is concentrated in the hands of a few. British plutocracy has its cannoneer; but if the cannoneer happens to take fancies into his head the "whiff of grapeshot" goes the wrong way.

Socially, I do not know whether Mr. Greg has been led to consider the extent to which artificial desires, expensive fashions, and conventional necessities created by wealth, interfere with freedom of intercourse and general happiness. The Saturday Review says:

"All classes of Her Majesty's respectable subjects are always doing their best to keep up appearances, and a very hard struggle many of us make of it. Thus a mansion in Belgrave Square ought to mean a corpulent hall-porter, a couple of gigantic footmen, a butler and an under-butler at the very least, if the owner professes to live op to his social dignities. If our house is in Baker or Wimpole street, we must certainly have a manservant in sombre raiment to open our door, with a hobbledehoy or a buttons to run his superior's messages. In the smart, although somewhat dismal, small squares in South Kensington and the Western suburbs, the parlourmaid must wear the freshest of ribbons and trimmest of bows, and be resplendent in starch and clean coloured muslins. So it goes on, as we run down the gamut of the social scale; our ostentatious expenditure must be in harmony throughout with the stuccoed facade behind which we live, or the staff of domestics we parade. We are aware, of course, as our incomes for the most part are limited, and as we are all of us upon our mettle in the battle of life that we must pinch somewhere if appearances are to be kept up. We do what we can in secret towards balancing the budget. We retrench on our charities, save on our coals, screw on our cabs, drink the sourest of Bordeaux instead of more generous vintages, dispense with the cream which makes tea palatable, and systematically sacrifice substantial comforts that we may swagger successfully in the face of a critical and carping society. But with the most of us if our position is an anxious one; it is of our own making and if we dared to be eccentrically rational it might be very tolerable."