The boy with the five apples and with the five-apple appetite may not think of to-morrow's need for apples, and in that case he will probably consume all five to-day; or he may think of to-morrow's need but expect that to-morrow will also bring apples to meet the need, and in this case he will not save any of today's apples for to-morrow. Or he may think of to-morrow's need for apples and realize that to-morrow will bring no new apples with which to supply the need but his will may be so weak that he cannot forego the pleasure of eating to-day's apples to-day. In that case he will make no provision for to-morrow. If his will is strong however, he will save some of to-day's apples for to-morrow. Many adults as well as boys lack the ability to foresee to-morrow's needs and the moral power to make provision for them. The story is told of a man whose roof was leaking but who did not repair it because when it rained he could not repair it and when the weather was fair it did not need repairing. This man was lacking either in foresight or in will power, but his case is not typical. Most men foresee future wants and attempt to make some provision for them. As a general thing, however, future wants do not affect us so keenly as present ones. Our need for food to-day we feel as hunger; our need for food next week we do not feel to-day as hunger but as anxiety lest we may be hungry next week. In general, our estimates to-day of the utility of the good which we can have to-day is greater than our estimate to-day of the utility of an exactly similar good which we cannot have until a year from to-day. We shall find this principle of importance when we come to study the problem of interest.