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 122 protective functions of the husband have been centralized and nationalized, regulated by the community and delegated to the soldier and the policeman. Where stable government exists the number of men who offer up their lives each year in actual defence of their own hearths and their own wives is, I imagine, small; so small that I do not suppose the insurance companies take much account of it in estimating their risks. I have not the least intention of casting any reflection upon the courage of the average civilized husband or inferring that he is not willing to offer up his life in defence of his better half if called upon to do so; I merely state the obvious fact that he is not very often called upon to make the sacrifice. Even in those countries where universal military service is established, the duty of defending the national (not the individual) hearth and home falls last upon men who are married and have a family to support; it is the young, unmarried men who are called upon to form the first line of defence and defiance. And in ordinary every-day life it is the strong arm of the law and not the strong arm of the individual husband which secures