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In the various plants of Armour & Co. in Chicago, some 5,000 persons are employed. Their average wage in these times is less than $1200 a year. But the desire for cash, for flattering clothes, furniture, radios and the wares of jewelry stores prevails no less than among their more fortunate fellows. The law, seeking to promote commerce, encourages the use of credit facilities for the satisfaction of these desires. So, also, does it admit the need of the creditor for payment. Some collection devices it provides; some, it recognizes; some, it tolerates.

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