The development of civic institutions in the first quarter of the century was accompanied by the founding, each to-day housed in conspicuous recent edifices of the past decade, of State-aided institutions for the Deaf and Dumb, 1820, for the Blind, 1833, and the House of Refuge, 1828. This philanthropic impulse came, as such generally does, as part of a rapid material development which, in a score of years ending with the commercial crash of 1837-39, had laid the foundations of the manufacturing activity and the internal commerce of Philadelphia. It was in this period that the Music Fund Hall (1824), Eighth above South, was built. The Exchange, 1832, the most pretentious building of its day, was erected near the close of the period, and the pillared row, following a London model, was built on Spruce between Ninth and Tenth, the largest and most costly private dwellings of its day. The next Colonnade row, nearly twenty years later, occupied the site, and gave the name to the Colonnade Hotel, Fifteenth and Chestnut. St. Mark’s and St. Luke’s stood for opposite extremes of the church edifices of the forties. The taste of the Federalists and Whigs of the day filled the city with the pseudo-classic, from which Europe was just departing—the United States bank, now the Custom-house, the Mint, the building in which Girard had his bank, back of the Exchange, and lastly Girard College, not easily forgot, however unfit for its purpose, if once seen from St. George’s hill on its airy height. The ship-building firm of Cramps was established 1830, and Baldwin’s Locomotive Works 1837, both products of the same period of activity. Ten years later began the Pennsylvania railroad comparable to a kingdom in revenue power and the ability of chiefs like Frank Thomson. The city flowed across Broad Street, and solid blocks pushed their way in brick and white marble, turning later to New York’s brown-stone, up each flank of the city on Pine and on Arch, spreading out in an area beyond Broad Street, which the crash of credit, and the failure of the State for a season to pay the interest on its bonds, left tenantless, often roofless, covered with mortgages and the prediction, heard first under Governor Keith, 1725, repeated within this decade, that the city would never need the houses which a boom had erected.