Among many good qualities which my countrymen possess, some of a different character unhappily mix themselves. The most remarkable are, indolence, extravagance, and infidelity to their engagements. Cure the two first, and the last would disappear, because it is a consequence of them, and not proceeding from a want of morals. I know of no remedy against indolence and extravagance, but a free course of justice. Everything else is merely palliative; but unhappily, the evil has gained too generally the mass of the nation, to leave the course of justice unobstructed. The maxim of buying nothing without the money in our pockets to pay for it, would make of our country one of the happiest upon earth. Experience during the war proved this; as I think every man will remember, that under all the privations it obliged him to submit to, during that period, he slept sounder, and awaked happier than he can do now. Desperate of finding relief from a free course of justice, I look forward to the abolition of all credit, as the only other remedy which can take place. I have seen, therefore, with pleasure, the exaggerations of our want of faith, with which the London papers teem. It is, indeed, a strong medicine for sensible minds, but it is a medicine. It will prevent their crediting us abroad, in which case we cannot be credited at home. I have been much concerned at the losses produced by the fire of Richmond. I hope you have escaped them. It will give me much pleasure to hear from you, as often as you can spare a moment to write. Be assured that nobody entertains for you sentiments of more perfect and sincere esteem than, dear Sir, your friend and servant.