Twenty years! How clearly one sees the mistakes, the lost opportunities, of such an enterprise! But so much is certain--that the Settlement has been an element of happiness in many, many lives. It has had scores of devoted workers, in the past--men and women to whom the heart of its founder goes out in gratitude. And I cannot imagine a time when the spacious and beautiful house and garden, with all the activities that have a home there, will not be necessary and welcome to St. Pancras. I see it, in my dreams, at least, half a century hence, when all those who first learned from it and in it have gone their way, still serving "the future hour" of an England reborn. To two especially among the early friends of the Settlement let me turn back with grateful remembrance--George Howard, Lord Carlisle, whom I have already mentioned, and Stopford Brooke. Lord Carlisle was one of the most liberal and most modest of men, an artist himself, and the friend of artists. On a Sunday in Russell Square, when the drawing-room door opened to reveal his fine head and shy, kind eyes, one felt how well worth while it was to stay at home on Sunday afternoons! I find a little note from him in 1891, the year in which we left Russell Square to move westward, regretting the "interesting old house" "with which I associate you in my mind." He was not an easy talker, but his listening had the quality that makes others talk their best; while the sudden play of humor or sarcasm through the features that were no less strong than refined, and the impression throughout of a singularly upright and humane personality, made him a delightful companion. There were those who would gladly have seen him take a more prominent part in public life. Perhaps a certain natural indolence held him back; perhaps a wonderful fairness of mind which made him slow to judge, and abnormally sensitive to "the other side." It is well known that as a landlord he left the administration of his great estates in the north almost wholly to his wife, and that, except in the great matter of temperance, he and she differed in politics, Lady Carlisle--who was a Stanley of Alderley--going with Mr. Gladstone at the time of the Home Rule split, while Lord Carlisle joined the Liberal Unionists. Both took a public part, and the political differences of the parents were continued in their children. Only a very rare and selfless nature could have carried through so difficult a situation without lack of either dignity or sweetness. Lord Carlisle, in the late 'eighties and early 'nineties, when I knew him best, showed no want of either. The restrictions he laid upon his own life were perhaps made natural by the fact that he was first and foremost an artist by training and temperament, and that the ordinary occupations, rural, social, or political, of the great land-owning noble, had little or no attraction for him. In the years, at any rate, when I saw him often, I was drawn to him by our common