When you pass by a furniture store and see a beautiful dining room set in the window with a sign by it which says, "This set $265.00. $45.00 down ; the rest in easy payments," what do you think? or, when you pick up a Chicago Tribune and seen an advertisement of a washing machine which says "Let us put this machine into your home with a small down payment and easy monthly payments," or when you see a sparkling diamond in an advertisement with these words, '"$5.00 down and $1.00 a week; wear this beautiful ring while you are paying for it." Has it ever occurred to you that this sort of thing is one of the most talked of and written about topic in the business world at present. It is so important that it is commanding the attention of well known men in industry some of whom I will quote a little later on.