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 immediate acquaintance to whom she could turn. Very shortly her salary would be increased and the margin which this would yield would enable her to clear her debt in two years.

The presence of the woman, her evident culture, and her anxiety impressed the man. He sent a representative to visit her at her home. Here Miss Hansen made a further explanation of her financial worries. Her parents and her sister and the appearance of the household seemed to substantiate her story, and the loan was made.

After two years Miss Hansen asked the man for a second loan, although she had repaid only a few dollars of the first. A social worker who was consulted decided to talk with those with whom Miss Hansen was associated. The woman was the breadwinner of her family. She had numerous relatives. She was the patient of a physician. She was a governess. She was a subscription agent for a periodical. She had borrowed money from a loan office.

The loan office told a story of money advanced and not repaid. The circulation manager had been greatly annoyed by the complaints he was constantly receiving from persons who had subscribed through her for his magazine and then had