Upon such bills of sale English farmers have been borrowing money, and with the usual disastrous results.

In fact, till the disastrous results became so conspicuous, no one guessed that the farmer had descended so far.

Yet, it is a fact, and a sad one.
All the while the tradespeople of the market-towns--the very people who have made the loudest outcry about the depression and the losses they have sustained--these very people have been pressing their goods upon the farmers, whom they must have known were many of them hardly able to pay their rents.

Those who have not seen it cannot imagine what a struggle and competition has been going on in little places where one would think the very word was unknown, just to persuade the farmer and the farmer's family to accept credit.

But there is another side to it.