em to legitimate uses. The speculative tendency would,
therefore, be likely to be discouraged by so much. Necessary
limitations might make the postal banks unavailable for those whose
financial transactions are conducted on a great scale, and their wants
would continue to be met by private institutions, which would offer
special inducements to large depositors, just as the trust companies
now offer special inducements over the present national banks by
paying interest on deposits.

ANOTHER VIEW OF NEWMAN.

BY WM. M. SALTER.

I suppose I should never have felt toward Cardinal John Henry Newman
as I do, had I not been once in a certain state of mind. It was my
lot, as a divinity student, to feel under the necessity of examining
into the grounds of my religious belief. I could not accept what my
teachers gave me, simply because it was taught, much as I revered some
of them. I had to test, examine, and conclude for myself. I evidently
felt the difficulties of belief, as most of my fellow-students did
not. At New Haven the main outlines of evangelical orthodoxy, at
Cambridge the fundamental ideas of theism, were accepted, as a rule,
without serious question. I envied my fellows their assurance; I, too,
craved assurance, but I had to get it in my own way, and I was plunged
into investigations, and beset by doubts that did not seem to occupy
or perplex them. The question was, where could I find a point to start
from; not what was the whole truth, but what was the truth I could be
immediately sure of,--what was light that I could not question (or, at
least, reasonably question)? For, once in possession of that, other
things might naturally and logically follow. It seemed to me, that if
there was any sure ground for the Christian believer, it was to be
found in Christ himself; that if ever a voice from another world had
spoken to this, it had been through him. The fundamental problem was,
Was his consciousness to be trusted? It was after three years of
examination into the origin and trustworthiness of the gospel records,
of effort to form a faithful picture of Jesus' mind, of weighing of
probabilities as to whether he could have been mistaken, and a
decision that he could not have been, and that he was, under God, my
appointed Lord, and Saviour, and Judge, as he was that of all men,--it
was at this time that I fell in with the writings of Newman, and that
he began to exercise a charm over me, which, amid all my subse