When the time comes that only such persons as attend to all the details of cleanliness and prevention of the loss of property and health can be insured, the cost will be reduced 50%. Until we are willing, or educated up to that point, to protect our neighbors' lives and property as if they were ours, we must expect to pay this 50% more for everything we have, use, drink, eat, and wear. Longevity will be restricted in the same proportion. Hundreds of accidents would be prevented by proper care. Throwing foolishly the match, cigar, cigarette, etc., any and everywhere, causes great loss of property, and often life; the unthinking eat oranges and _bananas_ in the _street_ and cast underfoot the rinds and skins to cause the next moment the _dislocation_ of a limb, or broken skull. Over 500 accidents have occurred in this city alone during the last 5 years, occasioned by some sort of vegetable or fruit refuse lying upon the pavements; fatal results, though not all immediate, happened to 15 persons, and a number were maimed for life. Broken bottles and glass thrown into the street and on the sidewalks bring about at times frightful accidents to both man and beast; and if a correct report could be had from each livery-man and teamster in this regard, it would startle the most inhuman of our race. The _tax-payer_ has a tendency to be selfish when he is really doing himself severe injury. It is a case of reflex action. In passing along a thoroughfare he sees a banana skin lying on the sidewalk. He cannot possibly stop or trouble himself to push it into the gutter. Almost immediately another man comes along, steps on the skin, slips, breaks his leg, and is carried to the hospital. He remains there a month, supported by the city, that is, by money paid by the same tax-payer. In this manner, and other ways, can every man act, both selfishly or unselfishly. If selfish in passing this by, it is sure to come back on him a hundred-fold to the original trouble required. His unselfishness will consist in saving his fellow-men from danger by removing the cause. Indeed, he will be selfish if he casts it off for the sake of decreasing his taxation, but such selfish unselfishness will be gladly excused. _Garbage_ thrown out of back doors or under neighbors' steps creates contagion, and in time the thoughtless individuals fall a prey to their own carelessness. Three out of every five men and five out of every hundred women are ruptured as a result of their own or somebody else's recklessness.