man on the practical working out of the project; and,
normally, the criticisms and contribution of each are confined to his
own function. In short, the regime of economic self-interest results in
leaving to each the responsibility which he is most competent to
assume, that in which he is most expert, which thereby receives the
best attention that generally speaking it could have. Nor are
correctives lacking for the abuses which may enter in through an
overdevelopment of self-interest. _Caveat emptor_ becomes discredited
as an unmodified basis of human action. The golden rule is increasingly
seen to constitute a foundation demanded by economics as well as by
ethics. The trend to-day is away from indifference to the interests of
those with whom we deal. The successful merchant will not attempt to
make a profit through sales which he knows would not benefit the
purchaser, for that would not measure up to the test, Will it pay? The
value of a business depends largely on its goodwill and too much money
and effort are spent in advertising and other means of building up a
clientele to make men conceive it to be to their interest to deal
sharply with their customers.

In the efforts of scientists to seek out and establish new methods,
new principles, the success of an experiment is to be determined, I
suppose, by the test, Will it work? Does it yield effective results?
Similarly, in economics, the science of mankind in its production,
distribution and consumption of material things, the test of utility
and efficiency is, Will it pay? that being the standard of
workableness in the application of that science.

We have attempted, therefore, in this analysis of money-making to
apply this test, because the practice or habit or influence that pays
is that which is in accord so far with the principles underlying this
branch of social science. We have seen, according to this standard,
that it is the duty of all to adopt money-making as a conscious aim;
that the money is to be economically used, the final object being net
profit, that balance or remainder which is carried forward as created
capital. Inability to increase a fixed income does not absolve one
from the duty of doing one's part in the creation of capital through
thrift and saving. The business enterprise, moreover, is required by
economic necessity to aim at money-making--meaning, however, profits
in the long run rather than immediate or temporary gains. Such
permanent r