The issues that are of chief interest to Insurance Companies as investors are the loans raised by Foreign and Colonial Governments and Municipalities, principally in the form of bonds, and Foreign and Home Corporations in the form of bonds, debenture stocks, ordinary stocks, &c. When these borrowers want money—and they have apparently much needed it during the past three years and are needing it now—they set about the attainment of their desires by calling in the help of their financial agents or advisers who may be either a financial house or a bank. The usual methods in this country are for the Issuing House to buy up the loan at an agreed figure and subsequently to issue the loan at their own price, making what profit they can, or to act merely as agents for the borrower, charging a commission for their work and the advice they give.