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 sick husband and two children by taking in washing at thirty-five cents for the lot of fourteen large pieces, finding coal, soap, starch, and bluing herself, rather than depend on charity in any form." Specimen wages of the tenements these, seemingly inconsistent with the charge of improvidence.

But the connection on second thought is not obscure. There is nothing in the prospect of a sharp, unceasing battle for the bare necessaries of life, to encourage looking ahead, everything to discourage the effort. Improvidence and wastefulness are natural results. The instalment plan secures to the tenant who lives from hand to mouth his few comforts; the evil day of reckoning is put off till a to-morrow that may never come. When it does come, with failure to pay and the loss of hard-earned dollars, it simply adds another hardship to a life measured from the cradle by such incidents. The children soon catch the spirit of this sort of thing. I remember once calling at the home of a poor washer-woman, living in an East Side tenement, and finding the door locked. Some children in the hallway stopped their play and eyed me attentively while I knocked. The biggest girl volunteered the information that Mrs. Smith was out; but while I was thinking of how I was to get a message to her, the child put a question of her own: "Are you the spring man or the clock man?" When I assured her that I was neither one nor the other, but had brought work for her mother, Mrs. Smith, who had been hiding from the instalment collector, speedily appeared.

Perhaps of all the disheartening experiences of those who have devoted lives of unselfish thought and effort, and their number is not so small as often supposed, to the lifting of this great load, the indifference of those they