THE CROSSLEYS—MASTERS AND MEN (CONTINUED).
John Crossley—Martha Crossley—A courtship begun—A courtship concluded—John Crossley begins business—Dean Clough Mill—The Crossley family—Sir Francis Crossley—Martha Crossley's vow—Halifax People's Park—Martha's vow fulfilled—Co-operation of colliers—Partnership of industry—Other co-operative schemes—Jeremiah Head—Newport rolling mills—Bonuses to workmen—Mr. Carlyle's letter—A contrast—A hundred years ago—Popular amusements—Improvement of manners—English mechanics and workmen—English engineers and miners—Swiftness of machinery—Foreign workmen—Provident habits of foreigners. Pages 205—232
CHAPTER XII.
LIVING BEYOND THE MEANS.
Hypocrisy and debt—Conventionalism—Keeping up appearances—Exclusive circles—Women and exclusiveness—Women and extravagance—Running into debt—The temptation of shopkeepers—Temptations to crime—How crime is committed—Love of dress—Gents—Reckless expenditure—Knowledge of Arithmetic—Marriage—Happy tempers—Responsibilities of marriage—Marriage not a lottery—The man who couldn't say "No"—The courage to say "No"—"Respectable" funerals—Funeral extravagance—John Wesley's will—Funeral reform. Pages 233—258
CHAPTER XIII.
GREAT DEBTORS.
Greatness and debt—Seedy side of debt—Running up bills—Loan clubs—Genius and debt—Fox and Sheridan—Sheridan's debts—Lamartine—Webster—Debts of men of science—Debts of artists—Italian artists—Haydon—The old poets—Savage and Johnson—Steele and Goldsmith—Goldsmith's debts—Goldsmith's advice—Byron's debts—The burden of debt—Burns and Sydney Smith—De Foe and Southey—Southey and Scott—Scott's debts and labours—Great poor men—Johnson's advice—Genius and debt—Literary men. Pages 259—285