Direct loans by the local government to the worker are advocated in the careful and thorough plan worked out by Mrs. E. E. Wood.[17] One suggestion is a proposed amendment to the Postal Savings Law, authorizing loans from postal savings deposits to workers with annual incomes not in excess of twelve hundred dollars. The investigation of the application is to be in the hands of the nearest local housing board. A suggested amendment to the Farm Loan Act is that housing loans be made by the Farm Loan Board on the same terms on which farm loans are now authorized. It is interesting to note that this plan contemplates the continued activity of the building and loan associations with which the foreign born are already familiar. It suggests that the first loan be given by the government and the association be content with a second mortgage, receiving in return the greater stability that is secured from a transaction carried on under governmental supervision. According to Mrs. Wood's report, before 1915, 700,000 houses had been built or acquired in the United States through the aid of building and loan associations.[18] She thinks that the moderately paid wage earner, but not the unskilled worker, was benefited. This conclusion is disputed by officers of four building and loan associations in Chicago interviewed in connection with this study. That the associations reach the foreign-speaking groups seems to be evident from the names in the Annual Report of the auditor of the state of Illinois for 1918. The Bohemians had the largest number of societies, and the Poles were second. The Italians alone of the large national groups were unrepresented. Mrs. Wood's plan also calls for a national housing commission in the Department of Labor, to be created under congressional act, with organization and powers analogous to those exercised by the Federal Board for Vocational Education. For the use of this commission it is proposed that a fund be created by the issue of bonds, from which loans could be made to certain designated agencies for the clearance of congested areas and the increase of housing facilities. The Federal legislation is to be supplemented according to Mrs. Wood's plan by state legislation, including: 1. A restrictive housing law, a constructive housing law, and a Town Planning Act. This plan contemplates a state commission on housing and town planning through which the Federal aid for the state would be made available; to which should be intrusted the responsibility of investigating and approving or disapproving housing schemes proposed by local agencies and associations. 2. A state fund similar to the Federal fund is proposed, and definite suggestions for its use are worked out. For the local authorities, local housing and town-planning boards, probably with the county as the basis of organization, are proposed.