CHAPTER XII.
LIVING BEYOND THE MEANS.
Hypocrisy and debt--Conventionalism--Keeping up appearances--Exclusive circles--Women and exclusiveness--Women and extravagance--Running into debt--The temptation of shopkeepers--Temptations to crime--How crime is committed--Love of dress--Gents--Reckless expenditure--Knowledge of Arithmetic--Marriage--Happy tempers--Responsibilities of marriage--Marriage not a lottery--The man who couldn't say "No"-- The courage to say "No"-- "Respectable" funerals--Funeral extravagance--John Wesley's will--Funeral reform.

Pages 233--258.