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      The New Banking of the Twenty-first Century grew up along the lines he established for it. To-day it is our system of public book-keeping, a part of our state statistical organization, a clearing-house of obligations and a monetary record of the accumulating surplus of racial energy, which the world-controls apportion to our ever expanding enterprises. It is entirely public and entirely gratuitous. It is hard to realize that it was ever allowed to be a source of private and secret profit. We register a man’s earnings and spending as we register births and deaths. Our money is fundamentally a check on these publicly kept private accounts.

      But this desiratum of a sufficiency of invariable money was only a “foundation need,” a quantitative basis for the establishment of vital relationships, or, in De Windt’s terminology, for “social nucleation.” So soon as money was put in order it ceased to be necessary to trouble about money, just as it is needless to think about light and air in a properly lit and ventilated room.

      For a couple of centuries before De Windt, the family, which had been the common social cellule throughout the whole agricultural age of mankind, had been losing its distinctness, had been dissolving into larger systems of relationship, more especially in the Northern and Western communities. It had been losing its economic, its mental, and its emotional autonomy at the same time. In the nineteenth century this dissolution of the family had gone on very rapidly indeed. The domestication of women, and their concentration upon children and the home, had diminished greatly.

      By general sentiment, the instinctive factor in family unification had always been overrated. In effect, that instinctive bond dissolves long before the children are thirteen or fourteen. After that age the binding force of parent to child and vice versa is not instinct, but affection, convenience, habit, and tradition. And that convenience, usage, and tradition had dwindled. Put to the test of exterior attractions, family solidarity had weakened not only in the West, but also, as Asia had been Westernized, in Turkey, India, China, and Japan. This was so essentially, even more than apparently. The family home remained generally as a meeting-place and common domicile for parents and children, but it ceased to be a vehicle of tradition, it ceased to train and discipline. It ceased to do so for the simple reason that these functions were now discharged with far more emphasis, if with less intensity, by exterior agencies. Citizens were begotten in the home but they were no longer MADE in the home.

      De Windt drew a vivid contrast between the home life of a Central European family in the late eighteenth century, with the father reading the Bible to his assembled offspring, conducting daily prayer, watching over, reproving and chastizing his sons and daughters up to the age of sixteen or seventeen and even controlling their marriage, and the loosely associated family structure in the early twentieth century.

      This structural dissolution was universally recognized long before the time of De Windt, but it was left for him to emphasize the need for a planned “renucleation” in the social magma that arose out of this dissolution. The popular school, the experiences and associations of industrialized production, the daily paper and so forth, had knocked the strength out of the mental and moral education of the home and put nothing in its place. The sapping forces had not, in their turn, been converted into “organic forces.” In default of these, minds were lapsing towards crude and base self-seeking and entirely individualistic aims.

      These contemporary emotional suggestions and haphazard ideologies were not good enough, he preached, to make a human being a tolerable social unit. Social tissue was not to be made and coordinated on such lines. The stars in their courses were pointing our race towards the organized world community, the Modern State, and if ever that goal was to be attained, if the reorganization of the species was not to collapse, degenerate, and perish by the wayside, then the individual mind throughout the world had to be educated, had to be disciplined and equipped, definitely and sufficiently to this end. That would not come by nature. The social side of the individual had to be oriented deliberately. “Society is an educational product.”

      For the race to get to this Modern State as a whole it had to get there as so many hundreds of millions of human beings, all individually aware of that as the general objective at which their lives aimed. The Modern State could not arrive as an empty form with all humanity left behind it. Every teacher, every writer, every talker, every two friends who talked together constituted a potential primary nucleus in a renascent social system. These nuclei had to be organized. Their existence had to be realized, and they had to be brought into effective cooperation. It is hard nowadays to realize that once upon a time such commonplaces as these were not commonplaces, and that in the very days when De Windt was writing, multitudes of well-meaning people were attempting to assemble “movements” for social reconstruction and world revolution out of the raw, unprepared miscellany of the contemporary crowd. It was with extreme reluctance that impatient reformers turned their minds from impossible coups d’état and pronunciamentos, strikes against war and booby millennia, to this necessary systematic preliminary renucleation of the world. The immediate task seemed too narrow and intense for them and its objective too high and remote. “It is no good asking people what they want,” wrote De Windt. “That is the error of democracy. You have first to think out what they ought to want if society is to be saved. Then you have to tell them what they want and see that they get it.”

      And further, he urged, if you cannot start nucleation everywhere, then at least you can start it close at hand. “Get the nuclei going. Be yourself a nucleus.” From the beginning of life, nuclei have begotten nuclei. The Modern State, which had to be evoked everywhere, could be begun anywhere.

      Another point that was new in his time, so far as Western civilization went, was his insistence upon the greater importance of adolescent education and his denial of the primary right of the parent to shape his offspring according to his fancy. The “renucleation” of society had to be complete. The “nuclei” which were ultimately to become the sole educational and disciplinary units of a new-born society would be in the first place, and usually, intensive study circles and associations for moral and physical training. Their social and political activities were to be secondary exercises, subordinated to a primary mental, moral and bodily training. He searched the social disorder about him for favourable conditions for the pioneer nucleations. He looked to factories, laboratories, technical schools, public services, hospital staffs, to banded men and women of all sorts, for the material for his nucleation. He insisted that the impulse to build up a social order was instinctive. Wherever there was social confusion the crude efforts to get together into a new directive order appeared.

      He pointed to the Sokols, Nazis, Fascists, Communist Party members, Kuomintang members of his time, as the first primitive intimations of the greater organization that was coming. They had the spirit of an élite class, although they wasted it more or less upon the loyalties and prejudices of the past. People are not leading these young men, he argued; “they are taking advantage of the instinctive needs of these young men. Try to realize what it is that they are — however blindly — seeking.”

      Like St. Paul, the founder of Christianity, speaking to the Athenians — he quotes the passage — he said: “That Unknown God, whom ignorantly ye worship, him declare I unto you.” He was declaring the as yet unknown Modern State.

      Intensively De Windt’s teaching was a theory of education; extensively it was the assertion of the Modern State. These were inseparable aspects of the same thing. “A community is an education in action,” he declared. And with a complete continuity he carried up his scheme of social structure through every variety of productive organization, control and enterprise. Men were to “fall in and serve this end.”

      Borrowing a word from Ortega y Gasset, but going boldly beyond that original thinker, he declared that “plenitude” of life was now only to be attained by living in relation to the Modern State. All other living was “waste, discontent and sorrow.” It was becoming impossible to retain self-respect, to be happy within oneself, unless one was “all in” upon that one sound objective. The old loyalties, to flag, to nation, to class, were outworn and discredited. They had become unreal. They did not call out all that was in a man, because now we saw their limitations. They could no longer keep up the “happy turgidity” of life. They could not be served “with a sure and untroubled soul”. They would certainly leave a man in the end “deflated,

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