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 was no longer of any use to fight. There have been exceptions, however: men and women who have mended and built with an eve to the real welfare of their tenants as well as to their own pockets. Let it be well understood that the two are inseparable, if any good is to come of it. The business of housing the poor, if it is to amount to anything, must be business, as it was business with our fathers to put them where they are. As charity, pastime, or fad, it will miserably fail, always and everywhere. This is an inexorable rule, now thoroughly well understood in England and continental Europe, and by all who have given the matter serious thought here. Call it poetic justice, or divine justice, or anything else, it is a hard fact, not to be gotten over. Upon any other plan than the assumption that the workman has a just claim to a decent home, and the right to demand it, any scheme for his relief fails. It must be a fair exchange of the man's money for what he can afford to buy at a reasonable price. Any charity scheme merely turns him into a pauper, however it may be disguised, and drowns him hopelessly in the mire out of which it proposed to pull him. And this principle must pervade the whole plan. Expert management of model tenements succeeds where amateur management, with the best intentions, gives up the task, discouraged, as a flat failure. Some of the best-conceived enterprises, backed by abundant capital and good-will, have been wrecked on this rock. Sentiment, having prompted the effort, forgot to stand aside and let business make it.

Business, in a wider sense, has done more than all other agencies together to wipe out the worst tenements. It has been New York's real Napoleon III., from whose decree there was no appeal. In ten years I have seen plague