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We may conclude, therefore, that the volume of business done on credit gradually increases as the population and total amount of business are enlarged, but at a decreasing rate and with occasional or periodic retardations.

Its accelerations and retardations carry on a continual conflict with the typical time of the music, yet that typical time is not only printed on every sheet, but is in the mind of every player.

Thus we trace Fate, in matter, mind, and morals—in race, in retardations of strata, and in thought and character as well.

The organist, Mr. Norman Maugans, always grew temperamental when he played Mendelssohn's "Wedding March," and always relieved its monotonous cadence with passionate accelerations and abrupt retardations.

Accelerations and retardations, depending upon processes of growth or change, take place in very much the same kind of way as in solar maculæ, inevitably suggesting similarity of origin.