a month, and in a few years will own a tenement somewhere and profit by the example set by their landlord in rent-collecting. It is the way the savings of Jewtown are universally invested, and with the natural talent of its people for commercial speculation the investment is enormously profitable. [Footnote 15: I was always accompanied on these tours of inquiry by one of their own people who knew of and sympathized with my mission. Without that precaution my errand would have been fruitless; even with him it was often nearly so.] [Illustration: "KNEE-PANTS" AT FORTY-FIVE CENTS A DOZEN--A LUDLOW STREET SWEATER'S SHOP.] On the next floor, in a dimly lighted room with a big red-hot stove to keep the pressing irons ready for use, is a family of man, wife, three children, and a boarder. "Knee-pants" are made there too, of a still lower grade. Three cents and a half is all he clears, says the man, and lies probably out of at least two cents. The wife makes a dollar and a half finishing, the man about nine dollars at the machine. The boarder pays sixty-five cents a week. He is really only a lodger, getting his meals outside. The rent is two dollars and twenty-five cents a week, cost of living five dollars. Every floor has at least two, sometimes four, such shops. Here is one with a young family for which life is bright with promise. Husband and wife work together; just now the latter, a comely young woman, is eating her dinner of dry bread and green pickles. Pickles are favorite food in Jewtown. They are filling, and keep the children from crying with hunger. Those who have stomachs like ostriches thrive in spite of them and grow strong--plain proof that they are good to eat. The rest? "Well, they die," says our guide, dryly. No thought of untimely death comes to disturb this family with life all before it. In a few years the man will be a prosperous sweater. Already he employs an old man as ironer at three dollars a week, and a sweet-faced little Italian girl as finisher at a dollar and a half. She is twelve, she says, and can neither read nor write; will probably never learn. How should she? The family clears from ten to eleven dollars a week in brisk times, more than half of which goes into the bank.