tury!

"Let us consider what they might do for our superannuated farmers.
Quickened by such an added potency of perfect, co-operative, mental,
conditions, our inventors would naturally aspire to still higher
achievements. Each year they would be able to produce many valuable
inventions, which could not be used by the farm, but which could be sold
by the company after being patented, for good round sums in cash! In
this way it becomes evident, that our old members might prove the most
prolific cash producers on the farm. It is even possible, and quite
probable, that the sale of one invention, might bring to the company, a
sum of money, more than equal to the combined pensions of the retired
co-operators for one year. From this particular source, would flow an
additional fund for educational work in pushing the movement before the
public.

"Viewed in this light, to be retired on two-thirds pay at the age of
fifty, is simply a matter of justice! When justice is done, the mission
of charity is finished!

"In considering the growing interest in the insurance question among
people of the outside world, we find great numbers of laboring people,
and of small farmers everywhere, who are beginning to understand that it
is a question of vital importance, an open gateway through which they
may gain access to the broad fields of abundance. Every day, both by
observation and experience, they are taught that without the aid of some
special insurance, nine out of ten who start in business fail. Also,
that nine farmers out of ten, who start with a meagre capital, after
twenty years of constant toil, find themselves the slaves of some money
lender who holds a mortgage on the farm. These mortgages are largely the
result of a hopeful struggle on the farmer's part, in a last vain effort
to compete with the expensive methods of syndicate and bonanza farms.

"No wonder the average worker is anxious to discover some method of
insurance, that will safe-guard him against the disasters which have
overwhelmed so many of his predecessors! No wonder these workers come to
believe it possible, that out of a given number of say one thousand
men, who start in life without capital, except such as they possess in
ordinary health and strength; at least fifty per cent are liable to die
in the poor-house, or in some way become helpless dependents on charity!
Against such an alarming proposition, the average optimist or plutocrat,
cries out, impossible! N