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PREFACE. THE tremendous expansion of credit during and since the World War to finance military operations as well as post-war reparations, reconstruction, and the rebuilding of industry and trade has brought the problems of capitalism and the nature and origin of interest home afresh to the minds of business men as well as to economists.

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The Peabody Fund is doing much towards lessening illiteracy, but tlie showing is still far from being creditable to the nation, Somo timo ago a bill was introduced into Congress proposing to divide $15,- 000,000 among the States in proportion to their illiteracy, but it didn’t pass.