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 164, 1898, at the Rectory Road Congregational Church, Stoke Newington, N. In the chair was Mr. T. E. Young, past President, Institute of Actuaries, and I was supported also by Dr. Forman, A.L.C.C.; Rev. C. Fleming Williams, A.L.C.C.; Mr. James Branch, L.C.C.; and Mr. Lampard, L.C.C. The lecture was well reported in a local journal, and I speedily found that, by means of lectures, interest in the project could be widened, because the subject made "good copy." I, therefore, as far as possible, have always given lectures when requested, and have spoken in London, Glasgow, Manchester, and many provincial towns. Friends, too, began to help, the Rev. J. Bruce Wallace, M.A., of Brotherhood Church being among the first to lecture upon the project; nor shall I ever forget the pleasure I felt at hearing his simple and forcible exposition of it.

Soon after the publication of "To-Morrow," I began to receive many letters, and these often from business men. One of the first of these was from Mr. W. R. Bootland, of Daisy Bank Mills, Newchurch, near Warrington, who wrote heartily commending the project as "sound business," and yet as likely to confer great public benefits.

After a few months of such fitful work as I could undertake, I consulted a friend, Mr F. W. Flear, and we decided it would be well to form an Association with a view to securing supporters in a more systematic manner, and of formulating the scheme more completely, so that, at as early a date as possible, a suitable organisation might be created for carrying it out. Accordingly, on the 10th June, 1899, a few friends met at the offices of Mr. Alexander W. Payne, Chartered Accountant, 70