So many presidents of savings banks, even those belonging to the Young Men's Christian Association, run off with the funds; so many railroad and insurance companies are in the hands of receivers; there is so much bankruptcy on every hand, that all capital is held in the nervous clutch of fear. Slowly, but surely, we are coming back to honest methods in business. Confidence will return, and then enterprise will unlock the safe and money will again circulate as of yore; the dollars will leave their hitting places, and every one will be seeking investment.