idea of saving that way. All up-to-date employers are agreed that an
eight-hour day produces more and better results than a ten-hour day
and that a twelve-hour day brings sheriffs and suicides instead of
profits.

That's just as true of the individual worker as it is of the factory
"hand." Yet most men and a few women proudly say that they "work
like a horse" (it's usually not true). They don't; a horse won't
work and can't work over eight hours a day steadily. Neither can
you: you may keep buzzing around much longer--but the best work
requires the best conditions and the best hours. You think, or you
flatter yourself that you think, that it is necessary; but nothing
is necessary that is stupid and wrong. It is hardly too much to say
that when we are tired out or ill either we have been doing the
wrong thing or doing it wrong.

There is besides, as an anti-rusticant, railroad discrimination in
favor of long hauls, but the main reason that the small farms of the
Eastern Coast are less settled than those farther west is the great
difficulty in getting farm loans or loans on farm buildings. New
York companies and others in the great cities will loan on farms
west of the Alleghenies, but even the otherwise excellent eastern
Building Loan Associations usually restrict themselves to places
within twenty-five miles of a city. The Jewish Agricultural and
Industrial Aid Society will help approved Jewish farmers to buy and
build: and there is a Federal Land Bank in Springfield, Mass., which
lends to some Farmers' Associations, of which some four thousand are
already formed. It is hoped that the State Land Bank of New York
City may improve the situation in New York for Farmers'
Organizations, but "generally nearly all available funds of the