state shut itself out to take any penalty for the same; this will preserve borrowing from any general stop or dryness; this will ease infinite borrowers in the country; this will, in good part, raise the price of land, because land purchased at sixteen years' purchase will yield six in the hundred, and somewhat more, whereas this rate of interest yields but five: this by like reason will encourage and edge industrious and profitable improvements, because many will rather venture in that kind, than take five in the hundred, especially having been used to greater profit. Secondly, let there be certain persons licensed to lend to known merchants upon usury, at a higher rate, and let it be with the cautions following: let the rate be, even with the merchant himself, somewhat more easy than that he used formerly to pay; for by that means all borrowers shall have some ease by this reformation, be he merchant, or whosoever; let it be no bank or common stock, but every man be master of his own money; not that I altogether mislike banks, but they will hardly be brooked, in regard of certain suspicions. Let the state be answered,1 some small matter for the license, and the rest left to the lender; for if the abatement be but small, it will no whit discourage the lender; for he, for example, that took before ten or nine in the hundred, will sooner descend to eight in the hundred, than give over his trade of usury, and go from certain gains to gains of hazard. Let these licensed lenders be in number indefinite, but restrained to certain principal cities and towns of merchandising; for then they will be hardly able to colour other men's moneys in the country: so as the license of nine will not suck away the current rate of five; for no man will send his moneys far off, nor put them into unknown hands.

If it be objected that this doth in a sort authorize usury, which before was in some places but permissive; the answer is, that it is better to mitigate usury by declaration, than to suffer it to rage by connivance.

XLII.-OF YOUTH AND AGE.

A MAN that is young in years may be old in hours, if he have lost no time; but that happeneth rarely. Generally, youth is like the first cogitations, not so wise as the second: for there is a youth in thoughts, as well as in ages; and yet the invention of young men is more lively than that of old, and imaginations stream into their minds better, and, as it were, more divinely. Natures that have much heat, and great and violent desires and perturbations, are not ripe for action till they have passed the meridian of their years: as it was with Julius Cæsar and Septimius Severus; of the latter of whom it is said, "Juventutem egit erroribus, imo furoribus plenam; "a and yet he was the ablest emperor, almost, of all the list; but reposed natures may do well in youth, as it is seen in Augustus Cæsar, Cosmus duke of Florence, Gaston de Foix, and others. On the other side, heat and vivacity in age is an excellent composition for business. Young men are fitter to invent than to judge, fitter for execution than for counsel, and fitter for new projects than for settled business; for the experience of age, in things that fall within the compass of it, directeth them; but in new things abuseth them. The errors of young men are the ruin of business but the errors of aged men amount but to this, that more might have been done, or sooner.

A

;

Young men, in the conduct and manage of actions, embrace more than they can hold, stir more than they can quiet; fly to the end, without consideration of the means and degrees; pursue some few principles which they have chanced upon absurdly; care not to innovate, which draws unknown inconveniences; use extreme remedies at first; and that, which doubleth all errors, will not acknowledge or retract them, like an unready horse, that will not neither stop nor turn. Men of age object too much, consult too long, adventure too little, repent too soon, and seldom drive business home to the full period, but content themselves with a

a "He passed his youth full of errors, of madness even."

He was nephew of Louis XII. of France, and commanded the French armies in Italy against the Spaniards. After a brilliant career, he was killed at the battle of Ravenna, in 1512.

mediocrity of success. Certainly it is good to compound employments of both; for that will be good for the present, because the virtues of either age may correct the defects of both; and good for succession, that young men may be learners, while men in age are actors; and, lastly, good for externe accidents, because authority followeth old men, and favour and popularity youth: but, for the moral part, perhaps, youth will have the pre-eminence, as age hath for the politic. A certain rabbin, upon the text, "Your young men shall see visions, and your old men shall dream dreams,"c inferreth that young men are admitted nearer to God than old, because vision is a clearer revelation than a dream; and certainly, the more a man drinketh of the world, the more it intoxicateth and age doth profit rather in the powers of understanding, than in the virtues of the will and affections. There be some have an over-early ripeness in their years, which fadeth betimes: these are, first, such as have brittle wits, the edge whereof is soon turned: such as was Hermogenes the rhetorician, whose books are exceeding subtle, who afterwards waxed stupid: a second sort is of those that have some natural dispositions, which have better grace in youth than in age; such as is a fluent and luxuriant speech, which becomes youth well, but not age: so Tully saith of Hortensius, "Idem manebat, neque idem decebat: "e the third is of such as take too high a strain at the first, and are magnanimous more than tract of years can uphold; as was Scipio Africanus, of whom Livy saith, in effect, "Ultima primis cedebant."f

Joel ii. 28, quoted Acts ii. 17.

d He lived in the second century after Christ, and is said to have lost his memory at the age of twenty-five.

"He remained the same, but with the advance of years was not so becoming."

"The close was unequal to the beginning." This quotation is not correct; the words are "Memorabilior prima pars vitæ quam postrema fuit," "The first part of his life was more distinguished than the latter."--Livy, xxxviii. ch. 53.

XLIII.-OF BEAUTY.

VIRTUE is like a rich stone, best plain set; and surely virtue is best in a body that is comely, though not of delicate features; and that hath rather dignity of presence, than beauty of aspect; neither is it almost seen that very beautiful persons are otherwise of great virtue; as if nature were rather busy not to err, than in labour to produce excellency; and therefore they prove accomplished, but not of great spirit; and study rather behaviour, than virtue. But this holds not always: for Augustus Cæsar, Titus Vespasianus, Philip le Bel of France, Edward the Fourth of England,a Alcibiades of Athens, Ismael the Sophy of Persia, were all high and great spirits, and yet the most beautiful men of their times. In beauty, that of favour, is more than that of colour; and that of decent and gracious motion, more than that of favour. That is the best part of beauty, which a picture cannot express; no, nor the first sight of the life. There is no excellent beauty that hath not some strangeness in the proportion. A man cannot tell whether Apelles or Albert Durer were the more trifler; whereof the one would make a personage by geometrical proportions: the other, by taking the best parts out of divers faces to make one excellent. Such personages, I think, would please nobody but the painter that made them: not but I think a painter may make a better face than ever was; but he must do it by a kind of felicity (as a musician that maketh an excellent air in music), and not by rule. A man shall see faces, that, if you examine them part by part, you shall find never a good; and yet altogether do well. If it be true that the principal part of beauty is in decent motion, certainly it is no marvel, though persons in years seem many times moro amiable; "Pulchrorum autumnus pulcher;" for no youth can be comely but by pardon, and considering the youth as

By the context, he would seem to consider " "great spirit" and "virtue" as convertible terms. Edward IV., however, has no claim to be considered as a virtuous or magnanimous man, though he possessed great physical courage. b Features.

с "The autumn of the beautiful is beautiful."

By making allowances.

to make up the comeliness. Beauty is as summer fruits, which are easy to corrupt, and cannot last; and, for the most part, it makes a dissolute youth, and an age a little out of countenance; but yet certainly again, if it light well, it maketh virtues shine, and vices blush.

XLIV. OF DEFORMITY.

DEFORMED persons are commonly even with nature; for as nature hath done ill by them, so do they by nature, being for the most part (as the Scripture saith), "void of natural affection; "a and so they have their revenge of nature. Certainly there is a consent between the body and the mind, and where nature erreth in the one, she ventureth in the other: "Ubi peccat in uno, periclitatur in altero:"b_but because there is in man an election, touching the frame of his mind, and a necessity in the frame of his body, the stars of natural inclination are sometimes obscured by the sun of discipline and virtue; therefore it is good to consider of deformity, not as a sign which is more deceivable, but as a cause which seldom faileth of the effect. Whosoever hath anything fixed in his person that doth induce contempt, hath also a perpetual spur in himself to rescue and deliver himself from scorn; therefore, all deformed persons are extreme bold; first, as in their own defence, as being exposed to scorn, but in process of time by a general habit. Also it stirreth in them industry, and especially of this kind, to watch and observe the weakness of others, that they may have somewhat to repay. Again, in their superiors, it quencheth jealousy towards them, as persons that they think they may at pleasure despise and it layeth their competitors and emulators asleep, as never believing they should be in possibility of advancement till they see them in possession so that upon the matter, in a great wit, deformity is an advantage to rising. Kings in ancient times (and at this present in some countries) were wont to put great trust in eunuchs, because they that are envious towards all are more

Rom. i. 31; 2 Tim. iii. 3.

"Where she errs in the one, she ventures in the other."