new hardening process had been
found for it. Better use it while it has power of purchase. Better not be
caught with much of the yellow stuff sticking to you when the true values
are being settled. It'll all be dead loss then; dead stock, not worth the
space it occupies.

You remember the very old story of the wealthy man who died. And in a
group of people talking together somebody asked the usual question, "How
much did he _leave_?" And a wise man in the company replied tersely,
"Every cent; didn't take a copper along." That story is apt to provoke a
smile. But, do you know, it is sadder than it is witty. The man had gained
great wealth. He must have been endowed with some force and talent to do
that. His whole life and strength and talent had been devoted to making
money and hoarding it. That money was the whole output of the man's life.
Then he died and the whole output of his life was left behind. He passed
out of this life stripped to the skin. Into the other world, where wealth
is reckoned otherwise than in gold, he entered a sheer pauper. The
purchasing power of his wealth stopped at the line of departure out of
this world. _It failed_.

Foreign Exchange.

Exchange your gold into men. Buy up some of the kind of coin they use in
the homeland, so that you may have some wealth when you get there. Suppose
you should be over on the continent of Europe, shopping in Berlin. You buy
some goods in a store and lay down upon the counter a twenty-dollar gold
piece in payment. The salesman would say, "What sort of money is this?"
and you would likely say, "That is good American gold, sir." And he would
probably reply, "I have no doubt that is true, and that it is good money.
But it is not the sort we receive here. You will have to go to the bankers
and get it changed into German marks and then I'll be pleased to complete
this sale." And so you would be obliged to do if you had not thought to
provide yourself with German money.

There are some people that will have an experience like that after a
while, I'm thinking. Some one thinks that that is not a very likely
illustration. A man going to Europe would provide himself with proper
money to use. Maybe it is not a very good illustration for _Europe_. But
how about some other strange lands to which folks go? There seem to be
several people who expect to go to a strange country, and yet do not
provide any of its recognized coinage before going.

Here is a man who gets