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look very much alike. Bright and ambitious girls will come to these down-town clubs to eat lunch and rest at noon, to study all sorts of subjects and listen to lectures, when they might hesitate a long time before joining a club identified with their own neighborhood, where they would be judged not solely on their own merits and the unconscious social standing afforded by good clothes, but by other surroundings which are not nearly up to these. For the same reason, girls' clubs are infinitely more difficult to organize in little towns and villages, where every one knows every one else, just how the front parlor is furnished, and the amount of mortgage there is upon the house. These facts get in the way of a clear and unbiassed judgment; they impede the democratic relationship and add to the self-consciousness of all concerned. Every one who has had to do with down-town girls' clubs has had the experience of going into the home of some bright, well-dressed girl, to discover it uncomfortable and perhaps wretched, and to find the girl afterward carefully avoiding her, although the working girl may not have been at home when the call was made, and the visitor may have carried herself with the utmost courtesy throughout. In some very successful down-town clubs the home address is not given at all, and only the "business address" is required. Have we worked out our democracy further in regard to clothes than anything else?

      The charity visitor has been rightly brought up to consider it vulgar to spend much money upon clothes, to care so much for "appearances." She realizes dimly that the care for personal decoration over that for one's home or habitat is in some way primitive and undeveloped; but she is silenced by its obvious need. She also catches a glimpse of the fact that the disproportionate expenditure of the poor in the matter of clothes is largely due to the exclusiveness of the rich who hide from them the interior of their houses, and their more subtle pleasures, while of necessity exhibiting their street clothes and their street manners. Every one who goes shopping at the same time may see the clothes of the richest women in town, but only those invited to her receptions see the Corot on her walls or the bindings in her library. The poor naturally try to bridge the difference by reproducing the street clothes which they have seen. They are striving to conform to a common standard which their democratic training presupposes belongs to all of us. The charity visitor may regret that the Italian peasant woman has laid aside her picturesque kerchief and substituted a cheap street hat. But it is easy to recognize the first attempt toward democratic expression.

      The charity visitor finds herself still more perplexed when she comes to consider such problems as those of early marriage and child labor; for she cannot deal with them according to economic theories, or according to the conventions which have regulated her own life. She finds both of these fairly upset by her intimate knowledge of the situation, and her sympathy for those into whose lives she has gained a curious insight. She discovers how incorrigibly bourgeois her standards have been, and it takes but a little time to reach the conclusion that she cannot insist so strenuously upon the conventions of her own class, which fail to fit the bigger, more emotional, and freer lives of working people. The charity visitor holds well-grounded views upon the imprudence of early marriages, quite naturally because she comes from a family and circle of professional and business people. A professional man is scarcely equipped and started in his profession before he is thirty. A business man, if he is on the road to success, is much nearer prosperity at thirty-five than twenty-five, and it is therefore wise for these men not to marry in the twenties; but this does not apply to the workingman. In many trades he is laid upon the shelf at thirty-five, and in nearly all trades he receives the largest wages in his life between twenty and thirty. If the young workingman has all his wages to himself, he will probably establish habits of personal comfort, which he cannot keep up when he has to divide with a family—habits which he can, perhaps, never overcome.

      The sense of prudence, the necessity for saving, can never come to a primitive, emotional man with the force of a conviction; but the necessity of providing for his children is a powerful incentive. He naturally regards his children as his savings-bank; he expects them to care for him when he gets old, and in some trades old age comes very early. A Jewish tailor was quite lately sent to the Cook County poorhouse, paralyzed beyond recovery at the age of thirty-five. Had his little boy of nine been but a few years older, he might have been spared this sorrow of public charity. He was, in fact, better able to well support a family when he was twenty than when he was thirty-five, for his wages had steadily grown less as the years went on. Another tailor whom I know, who is also a Socialist, always speaks of saving as a bourgeois virtue, one quite impossible to the genuine workingman. He supports a family consisting of himself, a wife and three children, and his two parents on eight dollars a week. He insists it would be criminal not to expend every penny of this amount upon food and shelter, and he expects his children later to care for him.

      This economic pressure also accounts for the tendency to put children to work overyoung and thus cripple their chances for individual development and usefulness, and with the avaricious parent also leads to exploitation. "I have fed her for fourteen years, now she can help me pay my mortgage" is not an unusual reply when a hardworking father is expostulated with because he would take his bright daughter out of school and put her into a factory.

      It has long been a common error for the charity visitor, who is strongly urging her "family" toward self-support, to suggest, or at least connive, that the children be put to work early, although she has not the excuse that the parents have. It is so easy, after one has been taking the industrial view for a long time, to forget the larger and more social claim; to urge that the boy go to work and support his parents, who are receiving charitable aid. She does not realize what a cruel advantage the person who distributes charity has, when she gives advice.

      The manager in a huge mercantile establishment employing many children was able to show during a child-labor investigation, that the only children under fourteen years of age in his employ were protégés who had been urged upon him by philanthropic ladies, not only acquaintances of his, but valued patrons of the establishment. It is not that the charity visitor is less wise than other people, but she has fixed her mind so long upon the industrial lameness of her family that she is eager to seize any crutch, however weak, which may enable them to get on.

      She has failed to see that the boy who attempts to prematurely support his widowed mother may lower wages, add an illiterate member to the community, and arrest the development of a capable workingman. As she has failed to see that the rules which obtain in regard to the age of marriage in her own family may not apply to the workingman, so also she fails to understand that the present conditions of employment surrounding a factory child are totally unlike those which obtained during the energetic youth of her father.

      The child who is prematurely put to work is constantly oppressed by this never ending question of the means of subsistence, and even little children are sometimes almost crushed with the cares of life through their affectionate sympathy. The writer knows a little Italian lad of six to whom the problems of food, clothing, and shelter have become so immediate and pressing that, although an imaginative child, he is unable to see life from any other standpoint. The goblin or bugaboo, feared by the more fortunate child, in his mind, has come to be the need of coal which caused his father hysterical and demonstrative grief when it carried off his mother's inherited linen, the mosaic of St. Joseph, and, worst of all, his own rubber boots. He once came to a party at Hull-House, and was interested in nothing save a gas stove which he saw in the kitchen. He became excited over the discovery that fire could be produced without fuel. "I will tell my father of this stove. You buy no coal, you need only a match. Anybody will give you a match." He was taken to visit at a country-house and at once inquired how much rent was paid for it. On being told carelessly by his hostess that they paid no rent for that house, he came back quite wild with interest that the problem was solved. "Me and my father will go to the country. You get a big house, all warm, without rent." Nothing else in the country interested him but the subject of rent, and he talked of that with an exclusiveness worthy of a single taxer.

      The struggle for existence, which is so much harsher among people near the edge of pauperism, sometimes leaves ugly marks on character, and the charity visitor finds these indirect results most mystifying. Parents who work hard and anticipate an old age when they can no longer earn, take care that their children shall expect to divide their wages with them from the very first. Such a parent, when successful, impresses the immature nervous system of the child thus tyrannically establishing habits of obedience, so that

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