ing taken any part in the actual production of wealth. He forces everybody to pay tribute on what THEY produce. It is Interest that is the thief of Everybody, not Profit.
 Profit is but the part of the earning power of the product that the Capitalist puts into it by his planning. He is entitled to a share as well as the Laborer, and his share should be rightfully judged by the reduction of cost of the product that he is able to save everybody through his inventive and organizing ability.
 The Capitalist (or Industrialist, as you choose to call him) is in the same class as the Commission Salesman, the one with the greatest ability and most industrious is entitled to more profit than the one of lesser ability and least industrious.
 When a Capitalist takes a profit he is getting something for something, but when a Financier collects interest he is getting something for nothing.
 PESSIMIST: Can you explain the meaning of Capitalism?
 ANOTHER DIRECT CREDITS OFFICER: To use the exact words of Alfred Lawson, “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.”
 PESSIMIST: Well, according to Lawson’s Plan, how are we to know how much profit the Capitalist should have for his share of organization and management?
 ANOTHER DIRECT CREDITS OFFICER: According to Lawson’s Plan the Capitalist, or employer or management which ever you choose to call him, will receive such commission, or profits, which ever 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.
 PESSIMIST: Can you give me a brief description of a Financier?
 ANOTHER DIRECT CREDITS OFFICER: Yes, a Financier is a human sponge that absorbs the largest portion of the wealth created through the combined efforts of the Farmer, Manufacturer, Merchant, Inventor and Laborer without giving anything in return for it.
 Lawson says that Finance is a fungus that attaches itself to a human being and besides sucking its precious blood, spits back into the blood streams its deadly poison that degrades and paralyzes the body and mind.
 Either a Capitalist or a laboring man can be a Financier. But because a person is a Capitalist or a laborer does not mean that he is a Financier. One becomes a Financier only when he charges a tribute for the use of money or credit.
 Anyone who accepts payment for the use of money or credit receives something for nothing. Such payment must be extracted from the earnings of somebody else who produced wealth of some intrinsic value. Therefore the one who produced such wealth of intrinsic value was cheated out of