[T] By permission of the Macmillan Co.

[U] By permission of Doubleday, Page & Co.

[V] By permission of E. P. Dutton & Co.

[W] As used in the Bible, and other ancient writings, the word usury means, not excessive interest-taking, but all interest-taking whatever.

[X] Copyright, 1905. By permission of Charles Scribner’s Sons.

[Y] By permission of the Macmillan Co.

[Z] (Quoted by special permission of Harper & Brothers.)

Transcriber’s Notes: