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 advance. But as it can proudly point out that it has never lost a dollar in bad debts, the shareholders do not object.

"Polly sent me one of the price lists or order sheets, and on comparing it with what I pay at my own corner grocery, I find the Washington cooperator saves not less than two per cent. on her purchases at the time of the purchase; in some lines of goods it runs as high as ten per cent. but the real saving comes in the form of dividends.

"And with the Civil Service Cooperators, Incorporated, as with all societies of this sort, the woman must figure ahead in order to save. She must have money on deposit at the store or send check or cash with her order; she must order in quantities practically for the week, and she must be satisfied with a weekly or semi-weekly delivery. This plan absolutely breaks a woman of the expensive habit of sending maid or child to the nearest grocery store where she can have goods charged and delivered at any hour of the day. I presume we will find the same conditions at Montclair."