Now if our thoughts ever took so grim a turn, we could speak quite calmly about it. It was impossible for me ever to think of Ruth as sick. My mind couldn't grasp that. But occasionally when I have come home wet and Ruth has said something about my getting pneumonia if I didn't look out, I've asked myself what this would mean. In the first place I now could secure admission to the best hospitals in the country free of cost. I had only to report my case to the city physician and if I were sick enough to warrant it, he would notify the hospital and they would send down an ambulance for me. I would be carried to a clean bed in a clean room and would receive such medical attention as before I could have had only as a millionaire. Physicians of national reputation would attend me, medicines would be supplied me, and I'd have a night and day nurse for whom outside I would have had to pay some forty dollars a week. Not only this but if I recovered I would be supplied the most nourishing foods in the market and after that sent out of town to one of the quiet convalescent hospitals if my condition warranted it. I don't suppose a thousand dollars would cover what here would be given me for nothing. And I wouldn't either be considered or treated like a charity patient. This was all my due as a citizen--as a toiler. Of course this would be done also for Dick as well as for Ruth. I don't mean to say that such thoughts took up much of my time. I'm not morbid and we never did have any sickness--we lived too sanely for that. But just as our new viewpoint on Dick relieved us of a tension which before had sapped our strength, so it was a great relief to have such insurance as this in the background of our minds. It took all the curse off sickness that it's possible to take off. In three or four such ways as these a load of responsibility was removed from us and we were left free to apply all our energy to the task of upbuilding which we had in hand. This may account somewhat for the reserve strength which Ruth as well as myself seemed to tap. Then of course the situation as a whole was such as to make any woman with imagination buoyant. Ruth had an active part in making a big rosy dream come true. She was now not merely a passive agent. She wasn't economizing merely to make the salary cover the current expenses. Her task was really the vital one of the whole undertaking; she was accumulating capital. When you stop to think of it she was the brains of the business; I was only the machine. I dug the money out of the ground but that wouldn't have amounted to much if it had all gone for nothing except to keep the machine moving from day to day. The dollar she saved was worth more than a hundred dollars earned and spent again. It was the only dollar which counted. They say a penny saved is a penny earned. To my mind a penny saved was worth to us at this time every cent of a dollar.