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you will naturally argue. "you loaned to Bob on the same security then why not to me "?-- The answer is as natural. Bob is a lawyer constantly handling & making money independent of season- You are a farmer dependent on crops. One or two good fees enable Bob to pay his interest. But one very bad season would prevent your doing so &( if I were dead) put poor Molly in the greatest straights. Were I investing for money alone I can lend all I can save to farmers about here at 20 or 25 per cent. The regular sharps are doing this all the time, & the favorite quarry of these sharps are farmers. because sooner or later a crop fails & there the favor is taken by the sharp. But I am in no such business. I want an investment. a perfectly safe investment at fair interest/ & I have no care as to how long the investment