large areas in different countries are devoted to producing certain kinds of raw material for clothing. Thus cotton is grown in our southern states and wool in our western states. Moreover, mills and factories have sprung up where there is the necessary power and the surplus labor to weave the cloth and make the clothes. Out of the need

These nomads of the desert have no fixed habitation but move on with their flocks when the grazing is exhausted.

for clothing have arisen many modern commercial and industrial enterprises.

Shelter. The old Arkansas traveler asked the native why he did not fix the leaky roof on his house. Do you remember the reply? When it was raining he couldn't fix it and when it wasn't raining he didn't need it. Human beings have generally had more foresight than this tale implies. From the time that prehistoric man made his home in the caves to the days of the mansion of the modern millionaire, man has provided himself with shelter from the elements. This shelter has varied with the way peoples

make a living and the climate in which they live, and ranges from the tepee of the nomadic Indian tribe to the ice hut of the northman. But shelter all must have for health

and for homes.

Men have learned to build and heat houses, and have made them seasonably comfortable even in the coldest portions of the temperate zone. By nature man's dwelling

The machinery represents the investment of capital accumulated by saving. place is limited; through his intellect and skill, however, he is able to live in nearly every part of the earth.

Property. The human being is not satisfied with merely supplying his immediate primitive needs for food, clothing, and shelter. He desires also to protect himself and his family, and his children's children, from suffering for want of these necessities of life. Hence from today's surplus he saves something out for a "rainy day." These savings he puts aside as so much wealth.

In order to protect each individual in his right to use this surplus wealth for himself or his family in time of need, or to keep it for his grandchildren if need does not come to his own family, we give him "title" to this wealth and call it "property." The owner may use, keep, or sell this property.

The institution of private property as we now know it has not always existed. It could not exist until community life was stable, nor until there was surplus wealth to protect. The Indian of colonial days had private ownership in little else than his bow and arrows. He could not understand what the white man meant by "buying" land. The Indian would "sell" the white man vast tracts of land one year only to return the next year to hunt and fish on it as he saw fit.

There was little private property in early English life. But with surplus wealth came private ownership and titles, and the right to hand one's property on by a will to some designated person after death; or in default of a written will, to have the property divided among one's heirs in accordance with recognized principles of law.

Hence it has come about that thrift is a virtue respected among civilized peoples everywhere. Through thrift we save to spend for future needs that are more urgent than the wants of the present. Through these savings we accumulate goods, such as machinery in a factory, that are used in producing other goods. These producing goods we call "capital." Through capital we expand our industries, improve our roads, build our schoolhouses, pay our teachers, maintain our libraries, support our governments, and advance the arts and sciences.

We desire property not only to protect ourselves and those dear to us from future want, but also to help support schools, churches, government, and other institutions. We want to give stability and growth to the institutions we love, and for which we stand ready to make any sacrifice.

The Desire to Possess. Certain desires or "urges" are common to all human beings. Among these are the desire to eat and the desire to require possession of things. The latter urge finds expression in private property We often think of property as peculiarly related to our need of food, clothing, and shelter. But we may desire to accumulate possessions other than those that serve our immediate needs. For example, we desire the beautiful around us as well as the useful. Here is an individual who is as happy in the possession of a collection of butterflies as any farmer can be in the possession of a herd of pure-bred cattle. So with the collector of works of art or of rare books. This desire finds expression also in the work of the men of science in enlarging the boundaries of human knowledge.

Money is by no means the only reward, and may not even be the most important of the rewards for human endeavor. The desire to acquire, to own, to possess, is common to all individuals. This desire will frequently find expression in one's daily work. But it often cannot find entire satisfaction there, because the work one has to do is very much the same from day to day.

Our Desire to Know. We desire to learn about the life around us. Curiosity is a valuable trait of every normal individual. The savage sees the leaf of the corn coming up from the seed he planted, and he seeks at once to learn why the green leaf springs from the seed in the ground. The savage also seeks to explain the causes of the rising of the sun and the changes in the seasons. This seeking after knowledge through the ages has resulted in our sciences and our philosophies.

You, too, want to know or to have an explanation made of many things. Hence the many questions you ask your mother or your father or your teacher. And through the answers to these questions you get to know and to understand more about the life around you.

Then you go

to school to learn how to read, so that you may acquire knowledge for yourself, and learn how to speak and write your mother tongue, and express yourself clearly to others. In this way we acquire the magic key with which we may enter into the vast stores of folklore and of human knowledge as revealed in the books that fill our libraries.

The creative instinct finds expression in this splendid and gigantic memorial to the leaders of the Confederacy carved on the side of Stone Mountain near Atlanta, Georgia.

Workmanship. Our minds and bodies are naturally active. But action alone does not completely satisfy us. We desire something more than the mental and bodily activity of the animal. We are determined to do something well, to excel others in one or more things. Thus one boy will want to excel in his school work, another in baseball. Some have called this desire a "creative" impulse. Much of the best in our industrial progress has come from