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"Suppose my neighbor's home catches fire, and I have a length of garden hose four or five hundred feet away. If he can take my garden hose and connect it up with his hydrant, I may help him to put out his fire. Now, what do I do? I don't say to him before the operation, 'Neighbor, my garden hose cost me $15, you have got to pay me $15 for ir.' What is the transaction that goes on? I don't want $15- I want my garden hose back after the fire is over. All right. If he goes through the fire all right, intact, without any damage to it, he gives it back to me and thanks me very much for the use of it. But suppose it gets smashed up- holes in it- during the fire; we don't have to have too much formality about it, but I say to him, ' I was glad to lend you that hose; I see I can't use it any more, it's all smashed up.' He says, 'All right, I will replace it.' Now if I get a nice garden hose back, I am in pretty good shape."

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