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The discommodities of usury are, First, that it makes fewer merchants. For were it not for this lazy trade of usury, money would not he still, but would in great part be employed upon merchandizing; which is the vena porta of wealth in a state. The second, that it makes poor merchants. For, as a farmer cannot husband his ground so well, if he sit at a great rent; so the merchant cannot drive his trade so well, if he sit at great usury. The third is incident to the other two; and that is the decay of customs of kings or states, which ebb or flow, with merchandizing. The fourth, that it bringeth the treasure of a realm, or state, into a few hands. For the usurer being at certainties, and others at uncertainties, at the end of the game, most of the money will be in the box; and ever a state flourisheth, when wealth is more equally spread. The fifth, that it beats down the price of land; for the employment of money, is chiefly either merchandizing or purchasing; and usury waylays both. The sixth, that it doth dull and damp all industries, improvements, and new inventions, wherein money would be stirring, if it were not for this slug. The last, that it is the canker and ruin of many men's estates; which, in process of time, breeds a public poverty.

Nearly three hundred species of _Coleoptera_, or beetles, occupy similar positions. Almost any rotten log or stump when broken open discloses a half dozen or more "horn" or "bess beetles," _Passalus cornutus_ L., great, shining, clumsy, black fellows with a curved horn on the head. They are often utilized as horses by country children, the horn furnishing an inviting projection to which may be fastened, by a thread or cord, chips and pieces of bark to be dragged about by the strong and never lagging beast of burden. When tired of "playing horse" they can make of the insect an instrument of music; for, when held by the body, it emits a creaking, hissing noise, produced by rubbing the abdomen up and down against the inside of the hard, horny wing covers. This beetle passes its entire life in cavities in the rotten wood on which it feeds, and when it wishes a larger or more commodious home it has only to eat the more.


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