“If the Swiss had ever known what might be done by the accumulation of capital and by its judicious application,” said a neighbour, “I suppose they might make their estates worth more than they are.”

“Switzerland will not always be the poor country it is,” said Joe, “for the people, primitive as they still are in many of their customs, have learned, and will learn yet more, what may be done by an economy of labour and a union or capitals. I saw one very pleasant instance of this. The little farmers keep cows in the pastures among the mountains, where there are no families near to buy their milk, or butter, or cheese; so that, some years ago, it cost them much labour and time to find a market for the produce of their cows. One poor woman, who kept some cows, six or eight miles from Geneva, carried the milk there every day for sale.”

“Six miles and back again to sell milk! Why, she had much better have been dairy-maid to some considerable farmer who would have paid her good wages.”

“To be sure. But they manage these things better now. There are large public dairies established, to which the neighbouring cow-keepers bring their daily stock of milk, which is returned to them in the form of butter and cheese; a certain quantity being kept back for payment to the owners of the dairies.”

“That is a very clever plan, and a great convenience to the people, I dare say.”

“Very great: but they would still be better off, in my opinion, as labourers in the service of some great proprietor.”

“We shall never make a farmer of you, Joe,” said his father. “You used to have a great mind for it; but now you seem quite prejudiced against it.”

“Not so, father, I hope. I think it one of the pleasantest occupations in the world; and if I had as much money as Mr. Malton, or even a good deal less, I should like nothing better than to be a farmer. The whole nation, the whole world is obliged to him who makes corn grow where it never grew before; and yet more to him who makes two ears ripen where only one ripened before. The race at large is indebted to the man who increases the means of subsistence in any way. My objection is to the imprudence of beginning to farm without a sufficient capital of land or money: and I do not see how a man that does so is more excusable than one who commits the same fault in trade.”

“Well, please yourself, son. You have gained your little money honestly, and it would be hard if you might not do what you like with it: and you seem to have thought a good deal about prudence, and about different ways of going through the world honestly and comfortably.”

“I should have travelled to little purpose, father, if I had not.”