But the subject of this paper is the “way of Settlements”. Members of the Universities, it is claimed, may for a few years settle in industrial centres, and in natural intercourse come into contact with their neighbours. There is nothing like contact for giving or getting understanding. There is no lecture and no book so effective as life. Culture spreads by contact. University men who are known as neighbours, who are met in the streets, in the clubs, and on committees, who can be visited in their own rooms, amid their own books and pictures, commend what the University stands for as it cannot otherwise be commended. On the other hand workmen who are casually and frequently met, whose idle words become familiar, whose homes are known, reveal the workman mind as it is not revealed by clever essayists or by orators of their own class. The friendship of one man of knowledge and one man of industry may go but a small way to bring together the Universities and the working classes, but it is such friendship which prepares the way for the understanding which underlies co-operation. If misunderstanding is war, understanding is peace. The men who settle may either take rooms by themselves, or they may associate themselves in a Settlement. There is something to be said for each plan. The advantage of Settlement is that a body of University men living together keep up the distinctive characteristics of their training, they better resist the tendency to put on the universal drab, and they bring a variety into their neighbourhood. They are helped, too, by the companionship of their fellows, to take larger views of what is wanted, their enthusiasm for progress is kept alive and at the same time well pruned by friendly and severe criticism. But whether men live in lodgings or in Settlements, there is one necessary condition besides that of social interest if they are to be successful in uniting knowledge and industry in social reform. They must live their own life. There must be no affectation of asceticism, and no consciousness of superiority. They must show forth the taste, the mind and the faith that is in them. They have not come as “missioners,” they have come to settle, that is, to learn as much as to teach, to receive as much as to give. Settlements which have been started during the last twenty years have not always fulfilled this condition. Many have become centres of missionary effort. They have often been powerful for good, and their works done by active and devoted men or women have so disturbed the water, that many unknown sick folk have been healed. They, however, are primarily missions. A Settlement in the original idea was not a mission, but a means by which University men and workmen might by natural intercourse get to understand one another, and co-operate in social reform. There are many instances of such understanding and co-operation.