Aggregation, disadvantages of, 197; limit to, 196; of forces, 57; of industry, 191.

Annual fluctuations in prices, 91, 98, 100, 104.

Rural Health and Welfare — Part 204

Association, complex, 55; compound, 56; methods of, 55; simple, 55.

Rural Health and Welfare — Part 204

Bank business, 148; inspection, 151; liabilities, 155; loans, 153; resources, 155.

Rural Health and Welfare — Part 204

Banks and banking, 140; described, 141; government, 147; national, 144; state, 136.

Bonds, exemption from taxation, 369; deferred payment, 160.

Capital a timesaver, 40; circulating or fixed, 40; conservative, 44; defined and classified, 38; distinguished from wealth, 38; floating, 43; in farming, 43; of a country, 39; proceeds of, 279; prudent adjustment of, 314; "timid," 44; unproductive, 42.

Coin a country's capital, 133; as currency, 131.

Combinations for farming, 204; for production, advantages, 193.

Conflict between wage-earners and profit-makers, 257.

Conservative influence as security for business, 224.

Consumption, coöperative, 335; for growth, 317; luxurious, 319; of wealth, 307; wasteful, 322.

Coöperative consumption, 335; industry, 272; stores, etc., 335.

Corn, acreage and yield, 84; prices of, New York, 87-91; consumption of, 84.

Credit by accounts, 133; by due bills, 134; currency, 135, 117; expanding, 167; expansion, 158.

Crops in United States since 1850, 10; yield of, 83-86.

Currency, 130; advantages of national bank, 146; credit, 135.

Deferred settlement and credit expansion, 158; in exchange, 138.

Division of labor, advantages, 182; disadvantages, 188; economy of, 180; limits, 184; on farms, 186.

Exchange, advantages, 58; in distribution, 234; in production, 58; limits of, 60; its machinery, 109.

Farm crops in United States since 1850, 10; interests, fluctuation of, 9; products, prices of, 78; stock in United States, 9, 83.

Farms in the United States, 9, 304; small, for homes, 202.

Gold, ratio to silver, 124; standard, 128.

Government chief incentive to production, 206.

Government banks, 147; churches, 342; debts, 368, 370.

Hard times, 172; causes of, 173; cure for, 178; remedies, 176.

Hogs, number in United States, 9, 83; prices of, 95-99.

Individual responsibility for use of wealth, 310.

Insurance, applications of, 229, 239; governmental control of, 228; methods of, 226; nature of, 225.

Interest and rent distinguished, 279; principles of, 283; reasons for, 283; uses of, 291; varying rates of, 286.