home or in the schools just how such things should be handled. Others are lazy and selfish. They have got out of the incident all of the personal pleasure or profit available, and they see no particular reason why they should put themselves to any trouble to acknowledge the courtesy or to give the other fellow pleasure. They are like the young man to whom I lent fifty dollars a few months ago to get him out of a financial embarrassment. He returned it long after the time agreed upon with the statement, "Well, here's your money; and if you knew how nearly I came to not paying it at all you'd think yourself lucky to get it." There was no gratitude on his part; he was rather disgruntled because he was expected to keep his obligation at all. There are those who procrastinate until the time is past when it is opportune to write such a note; and some have no facility in composition; they are so self-conscious and inexperienced as not to know just what to say, so they say nothing.
Such notes should always be informal; they are friendly and personal, and they should take on a friendly personal exte-
