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all their associates have shoes and other things. Such people don't bother themselves about the poor; they are like the rich landlords of the neighborhood experience. But this lady visitor, who pretends to be good to the poor, and certainly does talk as though she were kind-hearted, what does she come for, if she does not intend to give them things which are so plainly needed?

      The visitor says, sometimes, that in holding her poor family so hard to a standard of thrift she is really breaking down a rule of higher living which they formerly possessed; that saving, which seems quite commendable in a comfortable part of town, appears almost criminal in a poorer quarter where the next-door neighbor needs food, even if the children of the family do not.

      She feels the sordidness of constantly being obliged to urge the industrial view of life. The benevolent individual of fifty years ago honestly believed that industry and self-denial in youth would result in comfortable possessions for old age. It was, indeed, the method he had practised in his own youth, and by which he had probably obtained whatever fortune he possessed. He therefore reproved the poor family for indulging their children, urged them to work long hours, and was utterly untouched by many scruples which afflict the contemporary charity visitor. She says sometimes, "Why must I talk always of getting work and saving money, the things I know nothing about? If it were anything else I had to urge, I could do it; anything like Latin prose, which I had worried through myself, it would not be so hard." But she finds it difficult to connect the experiences of her youth with the experiences of the visited family.

      Because of this diversity in experience, the visitor is continually surprised to find that the safest platitude may be challenged. She refers quite naturally to the "horrors of the saloon," and discovers that the head of her visited family does not connect them with "horrors" at all. He remembers all the kindnesses he has received there, the free lunch and treating which goes on, even when a man is out of work and not able to pay up; the loan of five dollars he got there when the charity visitor was miles away and he was threatened with eviction. He may listen politely to her reference to "horrors," but considers it only "temperance talk."

      The charity visitor may blame the women for lack of gentleness toward their children, for being hasty and rude to them, until she learns that the standard of breeding is not that of gentleness toward the children so much as the observance of certain conventions, such as the punctilious wearing of mourning garments after the death of a child. The standard of gentleness each mother has to work out largely by herself, assisted only by the occasional shame-faced remark of a neighbor, "That they do better when you are not too hard on them"; but the wearing of mourning garments is sustained by the definitely expressed sentiment of every woman in the street. The mother would have to bear social blame, a certain social ostracism, if she failed to comply with that requirement. It is not comfortable to outrage the conventions of those among whom we live, and, if our social life be a narrow one, it is still more difficult. The visitor may choke a little when she sees the lessened supply of food and the scanty clothing provided for the remaining children in order that one may be conventionally mourned, but she doesn't talk so strongly against it as she would have done during her first month of experience with the family since bereaved.

      The subject of clothes indeed perplexes the visitor constantly, and the result of her reflections may be summed up somewhat in this wise: The girl who has a definite social standing, who has been to a fashionable school or to a college, whose family live in a house seen and known by all her friends and associates, may afford to be very simple, or even shabby as to her clothes, if she likes. But the working girl, whose family lives in a tenement, or moves from one small apartment to another, who has little social standing and has to make her own place, knows full well how much habit and style of dress has to do with her position. Her income goes into her clothing, out of all proportion to the amount which she spends upon other things. But, if social advancement is her aim, it is the most sensible thing she can do. She is judged largely by her clothes. Her house furnishing, with its pitiful little decorations, her scanty supply of books, are never seen by the people whose social opinions she most values. Her clothes are her background, and from them she is largely judged. It is due to this fact that girls' clubs succeed best in the business part of town, where "working girls" and "young ladies" meet upon an equal footing, and where the clothes superficially 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

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