And at the other end of the social scale the situation is often little better. In our greater cities homes have been provided for the aged, and especially for that most deserving class of gentlewomen who, having been reared in affluence, come to old age, after having struggled to maintain themselves by teaching, needlework, and the like, with broken powers and empty purses. But it has, I am informed, been often impossible to find places for them in institutions especially created for their care, because its lady managers have filled their places with their own worn-out servants, who, having spent their years and strength in their employer's service, are turned over in their old age, with a shrewd frugality which one can not but admire, to be maintained at the cost of other people. It is impossible to confront such instances, and they might be multiplied indefinitely, without recognizing how enormous are the possibilities of mischief even in connection with the most useful institutional charity. And yet these are not so great as those which no less surely follow, as it is oftenest administered, in the train of individual beneficence. In an unwritten address, not long ago, I mentioned an illustration of this which I have been asked to repeat here. While a rector in a large city parish, I was called upon by a stranger who asked for money, and who, as evidence of his claims upon my consideration, produced a letter from my father, written some twenty-five years before, when he was Bishop of Pennsylvania. The writer had, when this letter was placed in my hands, been dead for some twenty years, but, in a community in which he had been greatly loved and respected, his words had not, even in that lapse of time, lost their power. The letter was a general letter, addressed to no one, and therein lay its mischief. When read, it had in each instance been returned to its bearer, and he soon discovered that he had in it a talisman that would open almost any pocket. He was originally a mechanic who had been temporarily disabled by a fit of sickness; when I saw him, however, he was obviously, and doubtless for years had been, in robust health. But he had discovered that if he were willing to beg he need not work, and he had long before made his choice on the side of ease and indolence. After reading the letter which he produced, and looking at its date and soiled condition, both revealing the long service that it had performed, I said to him, "No, I will not give you anything, but I will pay you ten dollars if you will let me have that letter." It would not be easy to describe the leer of cunning and contempt with which he promptly took it out of my hand, folded it, placed it in his pocketbook, and left the room. He was not so innocent as to surrender his whole capital in trade!