terest which sooner or later crushed them with its weight. Since the Cheap Money Scheme has been in vogue interest has come down rapidly and the toilers are enabled to borrow at such lessened rates that they have a chance of living and repaying their loans in a few years. In the days of 10 to 15 per cent loans to small farmers and traders the latter were simply the slaves of the money lenders, who lived sumptuously on the toil of the unfortunate borrowers. No wonder these capitalists hate the Liberal Party and all its works, and especially ita Ministry which, as pointed out by the Premier at G-rey town.has given the country the Lands Settlement Act, mading provision for close settlement, a measure which the Opposition would take the first opportunity to repeal; averted a national disaster by coming to the rescue of the Bank of jSTew Zealand ; lightened the burden aud safeguarded the interests of labor, and protected workmen's wages and family homes ; the introduction of the co-operative system, thereby finding employment for 11,000 men ; the giving greater railway facilities to the people and the reducing of freights and f area; the encouraging of the fruitgrow ing, dairying, and timber in dustries; the furthering the de velopment of the goldfields, and legislating to banish wild-cat companies ; the rating on unim proved value ; the settling the Native troubles in the Urewera, Paeroa, and Wairarapa Lake districts, and, lastly, the saving the colony by a bold course of action in regard to the seizure of the Midland Hallway. The Company claimed £1,750,000 damages, and the arbitrator's award was nil. Yet the Conservative Press said tho day would come when the colony would curse Mr Seddou for having had con trol of that railway. Having told the meeting and the country what tbe Liberal Government had done for the peoplo of the colony, Mr Seddon went on to recite the follow ing list of the Conservatives' Bins of omission and commissions. 