In this table it will be seen that emphasis is laid on misconduct rather than on misfortune. The difference between the two sets of returns is obvious. Where lack of employment and sickness have been alleged as accounting for 62-6/10 per cent. of the total, they are believed by the tabulator to really account for only 41-8/10 per cent. On the other hand, intemperance comes in as the real cause in 19-9/10 per cent.; shiftlessness in 12-2/10 per cent. of the applications, and in 14-6/10 per cent. of the applications it was judged that there was no real need. It is very probable that these judgments are severe, but the result shows how frequently, at least, the personal character is a contributory cause of poverty. An attempt was made when reading the records to determine the general character of the man and woman--that is, the adult members of the family. Such classification is at the best very rough, and does not give us much information. It may be said that the character was put down as good unless something distinctly to the contrary appeared. The results are given in the following table: PERSONAL CHARACTER OF MAN AND WOMAN. Male. Female. Total. Percentage. Good 122 231 353 45 Criminal 15 1 16 2 Insane .. 1 1 .. Intemperate 81 56 137 17 Shiftless 56 52 108 14 Suspicious 13 30 43 6 Untruthful 5 15 20 3 Uncertain 38 65 103 13 Total 330 451 781 100 "Shiftless" includes Male. Female. Total. Professional beggers 5 5 10 Loss of independence 1 3 4 Lack of push 2 1 3 Laziness 1 .. 1 Extravagance .. 2 2 "Worthless" 7 5 12 Prostitute .. 1 1 Total 16 17 33 Shiftless indefinite 40 35 75 Total 56 52 108 It would seem from this table that the judgment of the investigators was lenient. In nearly one-half of the cases the character of the men and women was said to be good. * * * * *