for the Improvement of the Condition of the Poor--whose "eldest girl was employed as a learner in a tailor's shop at small wages, and one boy had a place as 'cash' in a store. There were two other little boys who sold papers and sometimes earned one dollar. The mother finishes pantaloons and can do three pairs in a day, thus earning thirty-nine cents. Here is a family of eight persons with rent to pay and an income of less than six dollars a week." And yet she was better off in point of pay than this Sixth Street mother, who "had just brought home four pairs of pants to finish, at seven cents a pair. She was required to put the canvas in the bottom, basting and sewing three times around; to put the linings in the waist-bands; to tack three pockets, three corners to each; to put on two stays and eight buttons, and make six button-holes; to put the buckle on the back strap and sew on the ticket, all for seven cents." Better off than the "church-going mother of six children," and with a husband sick to death, who to support the family made shirts, averaging an income of one dollar and twenty cents a week, while her oldest girl, aged thirteen, was "employed down-town cutting out Hamburg edgings at one dollar and a half a week--two and a half cents per hour for ten hours of steady labor--making the total income of the family two dollars and seventy cents per week." Than the Harlem woman, who was "making a brave effort to support a sick husband and two children by taking in washing at thirty-five cents for the lot of fourteen large pieces, finding coal, soap, starch, and bluing herself, rather than depend on charity in any form." Specimen wages of the tenements these, seemingly inconsistent with the charge of improvidence. But the connection on second thought is not obscure. There is nothing in the prospect of a sharp, unceasing battle for the bare necessaries of life, to encourage looking ahead, everything to discourage the effort. Improvidence and wastefulness are natural results. The instalment plan secures to the tenant who lives from hand to mouth his few comforts; the evil day of reckoning is put off till a to-morrow that may never come. When it does come, with failure to pay and the loss of hard-earned dollars, it simply adds another hardship to a life measured from the cradle by such incidents. The children soon catch the spirit of this sort of thing. I remember once calling at the home of a poor washer-woman, living in an East Side tenement, and finding the door locked. Some children in the hallway stopped their play and eyed me attentively while I knocked. The biggest girl volunteered the information that Mrs. Smith was out; but while I was thinking of how I was to get a message to her, the child put a question of her own: "Are you the spring man or the clock man?" When I assured her that I was neither one nor the other, but had brought work for her mother, Mrs. Smith, who had been hiding from the instalment collector, speedily appeared.