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ONE MAN'S OPINIONS BY N. D. COCHRAN Business and Crime. That head ing might indicate that business and crime are two different things, but that's because YOU are not thinking about the kind of crime I am think ing about that is, not all kinds of crime. My notion is that there is more criminality than morality in business, and that much of what we call busi ness is crime. Certainly it isn't Christianity. I had a long talk a few days ago with two of the best detectives in the country known in every big city. In the party was a Tammany man who not many years ago was a fixer for New York gamblers a go-between in their relations with the police. We were talking about gamblers, thieves, yeggs and business men. I asked the detective, who knows every big crook in the country and many big business men for he has protected banks this question: Whose word is most to be depend ed upon the crook's, the gambler's or the business man's? He replied: "The gambler's or the crook's." The other detective, who is a fa mous Bertillon expert, and the Tam many fixer both agreed with him. I then Wanted to know why, and between the four of us "we reasoned it out in this manner: Gambling is a lawless profession; so is that of the thief. Neither can rely upon the law to protect him as against another professional gam bler or thief. Their only protection, then, is. their honor something the average man thinks they haven't got There is real meaning to the old saying about there being honor among thieves. It is commonly known that a gambler or thief will keep his word. He can borrow money without giving a note he borrows on honor. If he doesn't pay he is an outlaw among outlaws and has protection from neither the law or the lawless. Business, however, is legalized and lawful. The statute books are full of laws protecting one business man from the crookedness of the other. And when business men deal with one another the rule is for each to be represented by a lawyer. The rights of each is supposed to be care fully guarded in contracts and agree ments drawn up by lawyers. It often happens that if there is a flaw in the agreement, or a chance to knock it out in the courts on a technicality, one party will rush into the courts to get the better of the other. If he wins out in the court it is considered all right, even if it's all wrong. A bank won't lend money unless the borrower has something to put up as collateral, or has other endors ers who are known to be good for much more than the amount of the loan. That means that banks do busi ness with people who have some property of some kind. Most of their business is done with business men. Yet every bank has at least one lawyer, and the! banks have had many laws passed' to protect them from business men who will be dishonest if they can get away with it. This leads to a strange conclu sion those who are lawless, or out side the protection of the law, are safer from dishonesty on the part of their fellows than those who are with in the law and entitled to all the pro tection it affords. That kind of turns your world up side down, doesn't it? The point is, however, that the so called underworld that is thought to be lawless has laws of its own; and its laws are more effective than the' book laws of the overworld. They are unwritten laws; they are not found in any of the law books; they were not passed by legislatures or con gresses. They merely developed through the relation of men who are