The older we grow the greater becomes our wonder at how much ignorance one can contain without bursting one's clothes. Ten days ago I did not know anything about the University Settlement except what I'd read in the pamphlets sent me. Now, after being here and hearing Mrs. Hewitt and Mrs. Thomas, it seems to me I know of nothing like it at all. It's a charity that carries no humiliation with it. Marvellous it is, to think of schools where you don't have to drive the children in but drive them out. It was not so in my day. Down-stairs just now I saw a dancing lesson going on. You must pay a cent for a lesson. You can't get it for nothing. That's the reason I never learned to dance. But it was the pawnbroker's shop you have here that interested me mightily. I've known something about pawnbrokers' shops in my time, but here you have a wonderful plan. The ordinary pawnbroker charges thirty-six per cent. a year for a loan, and I've paid more myself, but here a man or woman in distress can obtain a loan for one per cent. a month! It's wonderful! I've been interested in all I've heard to-day, especially in the romances recounted by Mrs. Thomas, which reminds me that I have a romance of my own in my autobiography, which I am building for the instruction of the world. In San Francisco, many years ago, when I was a newspaper reporter (perhaps I should say I had been and was willing to be), a pawnbroker was taking care of what property I had. There was a friend of mine, a poet, out of a job, and he was having a hard time of it, too. There was passage in it, but I guess I've got to keep that for the autobiography. Well, my friend the poet thought his life was a failure, and I told him I thought it was, and then he said he thought he ought to commit suicide, and I said “all right,” which was disinterested advice to a friend in trouble; but, like all such advice, there was just a little bit of self-interest back of it, for if I could get a “scoop” on the other newspapers I could get a job. The poet could be spared, and so, largely for his own good and partly for mine, I kept the thing in his mind, which was necessary, as would-be suicides are very changeable and hard to hold to their purpose. He had a preference for a pistol, which was an extravagance, for we hadn't enough between us to hire a pistol. A fork would have been easier.