human clemency to
evil-doers.

14 The odious meaning of _excessive_ interest, as attached to _usury_,
is of comparatively recent date. In the earlier English, as in our
translation of the Bible, it denotes any sum given for the use of
money.

15 In this country usury laws are fast yielding to the growth of
intelligence in monetary affairs. Wherever they exist in their
severer forms, they only enhance the rate of interest paid by the
major portion of the class of borrowers, as the lender must be
compensated, not only for the use of his money, and for the risk of
his creditor's inability to repay it, but also for the additional
risk of detection, prosecution, and forfeiture.

16 The reader need not be told that _patience_ and _passion_ are
derived from different participles of the same verb. _Patience_
comes from the present participle, and fittingly denotes the spirit
in which present suffering should be met; while _passion_ comes from
the perfect or past participle, and as fittingly denotes the
condition ensuing upon any physical, mental, or moral affection,
induced from without, which has been endured without protest or
resistance.

17 From _punctum_, a point.

18 {~GREEK CAPITAL LETTER ETA WITH DASIA~}{~GREEK SMALL LETTER DELTA~}{~GREEK SMALL LETTER OMICRON~}{~GREEK SMALL LETTER NU~}{~GREEK SMALL LETTER ETA WITH OXIA~}.

19 {~GREEK CAPITAL LETTER SIGMA~}{~GREEK SMALL LETTER TAU~}{~GREEK SMALL LETTER OMICRON~}{~GREEK SMALL LETTER ALPHA WITH OXIA~}.

20 The words employed by the Stoics to indicate specific duties, as
presented to the common understanding, recognize intrinsic fitness
as the ground of right. These duties are termed in Greek, {~GREEK SMALL LETTER KAPPA~}{~GREEK SMALL LETTER ALPHA~}{~GREEK SMALL LETTER THETA~}{~GREEK SMALL LETTER ETA WITH OXIA~}{~GREEK SMALL LETTER KAPPA~}{~GREEK SMALL LETTER OMICRON~}{~GREEK SMALL LETTER NU~}{~GREEK SMALL LETTER TAU~}{~GREEK SMALL LETTER ALPHA~},
that is, _be-fitting_, and in Latin, _officia_, from _ob_ and
_facio_, that which is done _ob aliquid_, for some assignable
reason.

21 How far Seneca's character was represented by his philosophy is, we
believe, a fairly open question. That the beginning and the close of
his career were in accordance with his teachings, is certain. That
as a courtier, he