I note with interest the many viewpoints expressed in your columns recently on the subject of "Interest." It seems that Henry George made his position quite clear in regards the origin and justification of interest through the exchangeability of wealth, the law of supply and demand, the active power of nature to increase and the pooling of all these advantages, together with the fact that wealth is capital only when used or designed to be used in the production of wealth, and that demand or lack of it determines the quantity of capital upon which interest is to be paid. Insurance against risk is not interest, although it may be added to the rate of interest depending upon the nature of the investment, and only serves to equalize the excess gains and losses.