"Look at the map of Germany now; run your eye over the cities. Remember the treasures of art in this and that gallery; the beautiful old buildings almost everywhere; the great trading houses; the life of complicated interests, political, literary, scientific, social, critical, artistic, mercantile; think of the books, the pictures, the statuary, the jewellery, the carvings and engravings, the luxurious and magnificent living. Everybody wants money now, and nearly everybody either has it, or is working hard for it."

"Does money make so much odds in national character?" Meredith asked.

"It is the root of all evil," Mr. Murray said smiling.

"But, Mr. Murray, you do not seriously mean that?" said Flora.

"The Bible says it, Miss Flora; not I."

"But what can you have, or do, that is worth anything, without money?"

"Exactly! That is the general opinion. So everybody is striving to get money."

"Well, people would stagnate if they did not strive for something."

"Quite true. Nevertheless, the Bible award proves itself. If you examine facts, you will find that the love of money is at the bottom of nearly all the crimes that are committed; and at the root of all the meannesses, speaking generally."

"Then you would make out money to be a bad thing, Mr. Murray!"