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The discommodities of usury are, First, that it makes fewer merchants. For were it not for this lazy trade of usury, money would not he still, but would in great part be employed upon merchandizing; which is the vena porta of wealth in a state. The second, that it makes poor merchants. For, as a farmer cannot husband his ground so well, if he sit at a great rent; so the merchant cannot drive his trade so well, if he sit at great usury. The third is incident to the other two; and that is the decay of customs of kings or states, which ebb or flow, with merchandizing. The fourth, that it bringeth the treasure of a realm, or state, into a few hands. For the usurer being at certainties, and others at uncertainties, at the end of the game, most of the money will be in the box; and ever a state flourisheth, when wealth is more equally spread. The fifth, that it beats down the price of land; for the employment of money, is chiefly either merchandizing or purchasing; and usury waylays both. The sixth, that it doth dull and damp all industries, improvements, and new inventions, wherein money would be stirring, if it were not for this slug. The last, that it is the canker and ruin of many men's estates; which, in process of time, breeds a public poverty.

About this time a really great man was placed at the head of the Carthaginian army--a man who, at an earlier period of the war, might have brought the struggle to a very different termination. This was the celebrated Hamilcar Barca,[29] the father of the still more celebrated Hannibal. He was still a young man at the time of his appointment to the command in Sicily (B.C. 247). His very first operations were equally daring and successful. Instead of confining himself to the defense of Lilybaeum and Drepanum, with which the Carthaginian commanders had been hitherto contented, he made descents upon the coast of Italy, and then suddenly landed on the north of Sicily, and established himself, with his whole army, on a mountain called Hercte (the modern _Monte Pellegrino_), which overhung the town of Panormus (the modern _Palermo_), one of the most important of the Roman possessions. Here he maintained himself for nearly three years, to the astonishment alike of friends and foes, and from hence he made continual descents into the enemy's country, and completely prevented them from making any vigorous attacks either upon Lilybaeum or Drepanum.


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