A man can stand being told that he must submit to a severe surgical operation, or that he has some disease which will shortly kill him, or that he will be a cripple or blind for the rest of his life; dreadful as such tidings must be, we do not find that they unnerve the greater number of mankind; most men, indeed, go coolly enough even to be hanged, but the strongest quail before financial ruin, and the better men they are, the more complete, as a general rule, is their prostration.  Suicide is a common consequence of money losses; it is rarely sought as a means of escape from bodily suffering.  If we feel that we have a competence at our backs, so that we can die warm and quietly in our beds, with no need to worry about expense, we live our lives out to the dregs, no matter how excruciating our torments.  Job probably felt the loss of his flocks and herds more than that of his wife and family, for he could enjoy his flocks and herds without his family, but not his family—­not for long—­if he had lost all his money.  Loss of money indeed is not only the worst pain in itself, but it is the parent of all others.  Let a man have been brought up to a moderate competence, and have no specially; then let his money be suddenly taken from him, and how long is his health likely to survive the change in all his little ways which loss of money will entail?  How long again is the esteem and sympathy of friends likely to survive ruin?  People may be very sorry for us, but their attitude towards us hitherto has been based upon the supposition that we were situated thus or thus in money matters; when this breaks down there must be a restatement of the social problem so far as we are concerned; we have been obtaining esteem under false pretences.  Granted, then, that the three most serious losses which a man can suffer are those affecting money, health and reputation.  Loss of money is far the worst, then comes ill-health, and then loss of reputation; loss of reputation is a bad third, for, if a man keeps health and money unimpaired, it will be generally found that his loss of reputation is due to breaches of parvenu conventions only, and not to violations of those older, better established canons whose authority is unquestionable.  In this case a man may grow a new reputation as easily as a lobster grows a new claw, or, if he have health and money, may thrive in great peace of mind without any reputation at all.  The only chance for a man who has lost his money is that he shall still be young enough to stand uprooting and transplanting without more than temporary derangement, and this I believed my godson still to be.