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Mr Nogoe, the convivial defaulter, who is a gentleman of fifty, who has seen the world, and knows how to manage it, is decidedly of Bowley's opinion that, as a general rule, credit is a bad plan; inasmuch as, so far as his experience goes in the public line, to afford it to your customers, is the first step towards losing it yourself.

Mr Nogoe is confirmed in his double function as secretary and treasurer. Subscriptions flow in; and, to Bowley's infinite gratification, beer and spirits begin to flow out.

Bowley's blooming wife, attended by a brace of alcoholic naiads, blossoms beneath the crimson drapery of the bar, and dispenses 'nods and becks, and wreathed smiles, and 'noggins of max, and 'three-outers, to the votaries of benevolence and 'Mother Bunch; and the landlord is happy, and in his element, because the world goes well with him.

Even before the war there was a growing scarcity of labour to grow, and harvest, even the lessened volume of our agricultural output. Dr. Bowley's picture was far from being realized and even if the process of specialization had gone on, it may be hoped that we should have had sense enough to avoid the blackest of its horrors.

A monster banner, bearing the designation of the society in white letters upon a ground of flame-coloured silk, hung on the morning of the day from the parapet of Bowley's house, and obscured the good 'Mother Bunch, as she swung upon her hinges, in its fluttering folds.

Before the new society is a year old, they have nearly one thousand pounds in hand; and Bowley's house, now known far and wide as the centre and focus of the Charitable Chums, swarms with that provident brotherhood, who meet by hundreds under the auspices of 'Mother Bunch, to cultivate sympathy and brotherly love, and to irrigate those delicate plants with libations of Bowley's gin and Bowley's beer.

It was the first large town that I had ever seen, and though it would look small compared with some of our New England factory villages, I thought it a wonderful place for its size more imposing even than the Great House Farm! We arrived at Baltimore early on Sunday morning, landing at Smith's Wharf, not far from Bowley's Wharf.

Even if England became one vast factory, it need not necessarily follow that it must work in semi-darkness, continual uproar, or at intense pressure, but it is all to the good that a specialist of Dr. Bowley's eminence should call our attention to certain things which have to be guarded against.

There had been some speeches made; and Lady Bowley's health had been proposed; and Sir Joseph Bowley had returned thanks, and had made his great speech, showing by various pieces of evidence that he was the born Friend and Father, and so forth; and had given as a Toast, his Friends and Children, and the Dignity of Labour; when a slight disturbance at the bottom of the Hall attracted Toby's notice.