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multitudes of less ambitious, too trustful people, who do not comprehend that high interest for their money, always means great risks. I think as Women get to understand business more, they will establish more economical habits: while hitherto they have promoted extravagance by their vanity and ignorance combined. And this is one of our most pressing [[underlined]] duties [[/underlined]] at present.

Did I send you a little brochure on "L'Epargne", published in Brussels? I think it gives most important advice.

Since sending you the card, I have written you a short note, to be given you by my Friend, Mrs. Harte, who is proposing to make her home in America, for some time, and wishes to join the band of workers there. She is an Irish lady, + has much of the warm-hearted, impulsive nature of her countrywomen. She + I lived together, for more than a year- in Geneva-

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and we are much attached. She has two orphan adopted children - one she has left in Switz-d & the other goes with her, and her only son. This little one is very charming & is the delight of Granny's heart. Mrs. Harte hopes to see the Exhibition and may be at [[yr.?]] Congress?

After all my journeyings of last Winter, I am settled down here for this Winter in a queer little cottage of my Brother's, close to the Moray Firth- but at some distance from educated society. My principal satisfaction is being near my only Brother and his children and G. children ^[[they live nr. Elgin-]] who were growing up without my knowing them. Their views of religous, social, and political duties differ widely from mine- they think me eccentric and even worse! - So carefully avoid all serious discussion of any subject; indeed it is amusing to me, tho' a little sad- to see how they start away, if ever they