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Rh each one had immediate necessities, and they were not in the habit of acting together. But when after constantly participating in the business, they had acquired the habit of understanding the entire procedure of the work in the shop, Viéra Pavlovna turned their attention to the fact that in their business the quantity of orders varied in different months of the year, and that therefore it would be advisable, during the most profitable months, to put away a portion of their profits against those months when the profits were not so great. The accounts were kept with great accuracy; the girls knew that if any one of them left the shop, she would get without any difficulty her share of the earnings remaining in the depository; therefore they consented to accede to this plan. A small reserve capital was established; it gradually grew; they began to look for various ways of applying it. From the very first, all understood that this reserve capital could be drawn upon in the way of loans by those members who had any extraordinary need of money, and that no interest would be charged for its use. Poor people have the idea that respectable help in money ought to be given without interest. After this bank was established, there followed a commission house for purchases; the girls found it more profitable to buy tea, coffee, sugar, foot wear, and many other things through this shop, as it bought goods not at retail but at wholesale, consequently cheaper. From this in a short time they branched out still further; they began to understand that it might also be possible to arrange for the purchase of the bread and provisions which they used to buy every day from the bakers and retail shops. But here they saw that to do this they must live in one neighborhood; they began to gather into circles, each circle occupying one suite, and they tried to get quarters near the shop; then the shop had to establish its agency to transact business with the bakeries and the stores. In a year and a half or so, almost all the girls were living in one large apartment, had one general table, and purchased their provisions in exactly the same way as is done in great establishments.

Half of the girls were lonely souls. Some of them had old women as relatives, mothers, or aunts; two supported aged fathers, and a good many had little brothers and sisters. On account of these family relationships three of the girls could not live in the general apartment: one of them had a mother whom it was impossible to get along with; the second had a