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 lem's Seventh Avenue as they swathe the pale face fashion plates on Fifth Avenue down town, while the men escorting them are usually sartorially perfect.

How is all this well-ordered finery possible? Most of these people are employed as menials—dish washers, elevator operators, porters, waiters, red caps, longshoremen, and factory hands. Their salaries are notoriously low, not many men picked at random on Seventh Avenue can truthfully say that they regularly earn more than $100 per month, and from this salary must come room rent, food and other of life's necessities and luxuries. How can they dress so well?

There are, of course, the installment houses, considered by many authorities one of the main economic curses of our present day civilization, and there are numerous people who run accounts at such places just to keep up a front, but these folk have little money to jingle in their pockets. All of it must be dribbled out to the installment collectors. There was even one chap I knew, who had to pawn a suit he had bought on the installment plan in order to make the final ten dollar payment and prevent the credit house collector from garnisheeing his wages. And it will be found that the majority