What an excellent plan this is! The working man has, I know, his sick club, his benefit society, to which he must subscribe. If he is a member of a Trades Union there again is another claim upon his purse. But all working men are not members of Trades Unions. The greater the skill of the trained mechanic, for example, the more the disfavour with which he regards the Trades Unions. It is a splendid thing to be a member of a great and powerful organization which has for its object to ensure that every man shall be paid a living wage. But when a Union forces all its members to a dead level of equality with that of the least skilled, when the good workman is compelled to do no more work, and no better work, than the worst workman in the confederation, then the good workman very naturally takes his name off the books. Once more, many working men, especially in the country, are fairly sure of always being able to obtain work if they are prepared to do it. But in the great, crowded, competitive centres of England, the uncertainty of regular employment, especially in regard to unskilled labour, the establishment of such a system of insurance would be of incalculable benefit, nor do I believe that the infinitesimal premium would be regretted or missed by any sensible and hard-working man. You may object that probably the funds of the insurance companies might possibly come to be diverted to the support and assistance of the _won’t_ works--the Unemployables. Please hear me to the end and you will see that this objection cannot be upheld. I do not appeal to the experience of despotic Germany but of democratic Belgium when I describe the largest Continental Labour Colony, that of Merxplas in Belgium. During the present year I have spent some months in Belgium, and have been enabled to gather the opinions of all sorts of people upon the subject. Every thinking man I have consulted in this country is emphatic in his praise of the institution. The Law of November 27, 1891, “for the repression of vagrancy and begging,” which came into operation on January, 4, 1892, imposed upon the Belgian Government the duty of organizing correctional establishments to be called (A) Beggars’ Depôts, (B) Houses of Refuge, and (C) Reformatory Schools. The Labour Colonies are maintained in order to fulfil the requirements of the Law under (A) and (B). All persons confined in a Beggars’ Depôt or in a House of Refuge, not suffering from incapacity, are to be put to work of such nature as may be prescribed, and shall, unless deprived thereof as a measure of discipline, receive a daily wage, part of which shall be kept in hand and credited to the “leaving fund” of the inmate in respect of whose labour the same shall be paid.