Because of this difference in the method of compensation the peo- ple are divided into separate classes of employer and employee.
 The planners, who take their chances upon making a success and earning enough commissions to meet their expenses, become employers, as a rule, and those who work under their direction and to whom they must guarantee stipulated wages or salaries, become employees.
 Those with the least ability and industry in business competition will fail and those with the greatest ability and industry will succeed, thus demonstrating the survival of the fittest.
 The survival of the fittest in business then become the custodians of the materials trad­ed or the products manufactured.
 Now, as wealth is anything and everything made valuable by human effort, business men become the supervisors of the production and distribution of wealth.
 As wealth is capital, business men then are Capitalists and they are paid for their planning and supervising in commissions.
 Commissions and profits are the same.
 So, as the Capitalist takes an active part in the production and distribution of wealth and is justly entitled to a share of it, he receives his share in the form of a profit which is but another word for commission.
 Therefore, he who takes a profit is a Ca­pi­ta­list.
 My definition of Capitalism is: a human system whereby an employer class, plan and supervise the production and distribution of wealth for profit and who direct an employee class whom they guarantee a stipulated remuneration for their services in the form of wages.
 According to the Direct Credits Plan, the Capitalist, or employer, or planner, whichever you choose to call him, will receive such commissions, or profits, whichever you choose to call it, in proportion to the ability he demonstrates in reducing the cost of the product for the benefit of the consumer, while at the same time paying the maximum wages or salaries to his employees.
 Now, so-called economists have always made it appear that financialism is a part of Capitalism and that profit and interest are the same.
 That is misrepresertation based upon either ignorance or trickery.
 Capitalism and Financialism are the opposite of each other.
 Capitalism is constructive and Fi­nan­ci­a­lism is destructive.
 A Capitalist takes a part in the production of wealth.
 A financier takes no part in the production of wealth. He merely absorbs wealth through a crooked tribute system by charging interest on loans of money and credit that do not belong to him. He actually retards production of wealth, by withholding the money belonging to everybody as a trade convenience in order to lessen production