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[4]“Rememberthissaying，thegoodpaymasterislordofanothermaisknoundexaehepromises，mayatanytime，andonanyo，raiseallthemoneyhisfriendsspare.Thisissometimesofgreatuse.Afterindustryandfrugality，nothingtributesmoretofayoungmahanpunctualityandjustiallhisdealings;thereforeneverkeepborrowedmoneyahetimeyoupromised，lestadisappoiupyourfriend’spurseforever.
[5]“Themasthataffe’screditaretarded.Thesoundofyourhammeratfiveinthemhtatnight，heardbyaakeshimeasysixmoifheseesyouatabilliardtable，orhearsyourvoiceatatavern，whenyoushouldbeatwork，hesendsforhismoday;demandsit，beforehereceiveit，inalump.‘Itshows，besides，thatyouaremindfulofwhatyouowe;itmakesyouappearacarefulaswellasaman，andthatstillincreasesyourcredit.’
[6]“Bewareofthinkingallyouroossess，andoflivingagly.Itisamistakethatmanypeoplewhohavecreditfallinto.Topreventthis，keepaaetimebothofyourexpensesandyourine.Ifyoutakethepainsatfirsttomentionparticulars，itwillhavethisgoodeffect:youwilldiscoverhowwonderfullysmall，trifliuptesums，andwilldiswhatmighthavebeen，andmayforthefuturebesaved，withoutogaince.
[7]“Forsixpoundsayearyoumayhavetheuseofonehundredpounds，providedyouareamanofknownprudenesty.
[8]“Hethatspendsagroat2adayidly，spendsidlyabovesixpoundsayear，whichisthepricefortheuseofonehundredpounds.
[9]“Hethatwastesidlyagroat’sworthofhistimeperday，ohaestheprivilegeofusingonehundredpoundseachday.
[10]“Hethatidlylosesfiveshillings’worthoftime，losesfiveshillings，andmightasprudentlythrowfiveshillingsintothesea.
[11]“Hethatlosesfiveshillings，notosum，butalltheadvamightbemadebyturningitindealing，whichbythetimethatayoungmanbeesold，willamounttoasiderablesumofmoney.”
[12]ItisBenjaminFrankliousiehesamewhiairizesinhisdmaliciousPieriCultureasthesupposedoffaithoftheYaisthespiritofcapitalismwhichherespeaksii，noonewilldoubt，howeverlittlewemaywishtoclaimthateverythingwhichcouldbeutothatspiritisediuspauseamomenttosiderthispassage，thephilosophyofwhibergersumsupinthewords，“Theymaketallowoutofdmoofmeyofthisphilosophyofavariceappearstobetheidealofthehoman，aheideaofadutyoftheindividualtowardtheincreaseofhiscapital，whichisassumedasaself.Trulywhatisherepreaplyameansofmakingone’swayintheworld，butapeculiarethifraofitsrulesistreatednotasfoolishasfetfuly.Thatistheesseer.Itisnotmerebusiesortofthingisoisahisisthequalitywhiterestsus.
[13]WhenJacobFugger5，ioabusinessassociatewhohadretiredandersuadehimtodothesame，sincehehadmadeenoughmoneyandshouldletothershaveace，rejectedthataspusillanimitya“he（Fugger）thoughtotherwise，hewaomakemoneyaslongashecould，”
thespiritofhisstatemelyquitedifferentfromthatofFranklin.Whatintheformercaseressionofergandapersonalinorallyral，iakesoerofethifortheductoflife.Theceptspiritofcapitalismishereusedinthisspese，itisthespiritofmoderncapitalisForthatweareheredealingonlywithWesternEuropeanandAmericapitalismisobviousfromthewayinwhiitalismexistedindia，Babylon6，intheclassicworld7，andintheMiddleAges8.Butinallthesecases，asweshallsee，thisparticularethos
[14]Now，allFranklin’smoralattitudesarecoloredwithutilitarianism9.Hoyisuseful，becauseitassurescredit;soarepunctuality，industry，frugality，andthatisthereasoues.Alogicaldeduthiswouldbethatwhere，foriheappearanestyservesthesamepurpose，thatwouldsuffiunnecessarysurplusofthisvirtuewouldevideoFranklin’seyesaunproductivewaste.Andasamatteroffact，thestoryinhisautobiographyofhistothosevirtues，orthedisofthevalueofastriaheappearanodesty，theassiduousbelittlementofone’sowsiogaingeionlater，sthisimpressitoFrankliues，likeallothers，areonlyinsofarvirtuesastheyareactuallyusefultotheindividual，aeofmereappearanceisalwayssuffiitaplishestheeisawhievitableforstrictutilitarianisTheimpressionofmahatthevirtuesprofessedbyAmeriismarepurehypocrisyseemstohavebeehisstrikiierisnotbyanymeanssosimple.
[15]BenjaminFranklin’sowappearsinthereallyunusualessofhisautobiography，beliesthatsuspi.Thecethatheascribeshisreoftheutilityofvirtuetoadiviionwhiteoleadhimihhteousness，showsthatsomethihanmeregarnishingfotricmotivesisinvolved.
[16]Infact，thesummumbonum10ofhisethic，theearningofmoreandmoremoney，bihestriceofallspooflife，isaboveallpletelydevoidofaiottosayhedonistic，admixture.Itisthoughtofsopurelyasaself，thatfromthepoihehappinessof，orutilityto，thesingleindividual，itappearseraalandabsolutelyirrational.Manisdomihemakingofmoney，byaastheultimatepurposeofhislife.Eicaisnolongersubordiomanasthemeaisfaaterialhisreversalofwhatweshouldaturalrelationship，soirrationalfromaofview，isevideelyaleadingprialismasitisfntoallpeoplesalistice.Atthesametimeitexpressesatypeoffeelingwhichiscloselyectedwithreligiousideas.Ifwethusask，whyshould“moofmen”
，BenjaminFranklihoughhewasacolorlessdeist，answersinhisautobiographywithaquotationfromtheBible，whichhisstriisticfatherdrummedintohimagainandagaininhisyouth:“Seestthouamainhisbusiandbefs.”
Theearnihinthemoderneicorderis，solongasitisdoheresultandtheexpressionofvirtueandprofiag;andthisvirtueandproficyare，asitisnownotdifficulttosee，therealAlphaandOmegaofFrahic，asexpressedinthepassageswehavequoted，aswellasinallhisworkswithoutex.
Notes
1.shilling:aformermoiainworthohofapound先令
2.grlishsilverworthfourpeakenoutofcirihtury格罗特；英国四便士银币
3.BenjaminFranklin:（1706-1790）oheFoundiheUes，astatesman，author，publisher，stist，ioranddiplomat.Helyapublicaffairs.DuringtheAmeriRevolutioheSetialgressaheDeofIndependen1776.Healsohe1783TreatyofParisthateionaryWar（1775-1783）.From1785to1788，heservedasgovernorofPennsylvania，andwasadelegatetothethatproducedtheU.S.stitution.
4.FerdinandKurnberger:（1821-1879）oiialwritersofVieureiiesaiesofthe19thtury.Heisnowknownmainlyforhispartiiionof1848，whitofleetermanywherehewasarrestedthefollo>
5.JacobFugger:（1459-1525）alsoknownasJakobFuggertheRich，amerirepreneurandbankerofEurope.HewasadestoftheFuggermertfamilylotheFreeImperialCity.WithinafewdecadesheexpahefamilyfirmtoabusiinginallofEurope.
6.Babylon:capitalofaBabyloamiaoesRiver.Establishedascapitalc.1750B.drebuiltinregalsplendorbyNebuezzarIIafteritsdestru（c.689B.C.）bytheAssyrians，BabyloeoftheHangingGardeheSeveheWorld.
7.theclassicworld:hereitreferstoaGreee.
8.theMiddleAges:orMedievalperiod（A.D.476-1453），beganwiththecollapseoftheWesternRomanEmpireaheReheAgeofDiscovery.
9.utilitarianism:firstbroughtupbyFrancisHuthisInquiryintinalofourIdeasofBeautyandVirtue（1725），aedbyBenthaminhisAnIntrodutothePrinoralsaion（1789）.Thedobe“Thataisbestwhichprreatesthappihegreatesthegreatesthappihegreatestnumber”
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