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 usurious interest from a class from which "nothing else was expected." That was the broad foundation laid down, and the edifice built upon it corresponds to the groundwork. That this is well understood on the "unsafe" side of the line that separates the rich from the poor, much better than by those who have all the advantages of discriminating education, is good cause for disquietude. In it a keen foresight may again dimly discern the shadow of the man with the knife.

Two years ago a great meeting was held at Chickering Hall—I have spoken of it before—a meeting that discussed for days and nights the question how to banish this spectre; how to lay hold with good influences of this enormous mass of more than a million people, who were drifting away faster and faster from the safe moorings of the old faith. Clergymen and laymen from all the Protestant denominations took part in the discussion; nor was a good word forgotten for the brethren of the other great Christian fold who labor among the poor. Much was said that was good and true, and ways were found of reaching the spiritual needs of the tenement population that promise success. But at no time throughout the conference was the real key-note of the situation so boldly struck as has been done by a few far-seeing business men, who had listened to the cry of that Christian builder: "How shall the love of God be understood by those who have been nurtured in sight only of the greed of man?" Their practical programme of "Philanthropy and five per cent." has set examples in tenement building that show, though they are yet few and scattered, what may in time be accomplished even with such poor opportunities as New York offers to-day of undoing the old wrong. This is the gospel of justice, the solution that