The exclusiveness and selfishness of other secret associations are also apparent from their regulations. As shown above, they exclude all diseased and infirm persons from membership, and of course from all the "benefits." They generally provide that, in case of sickness or disability, a member shall receive three dollars per week, and in case of the death of a member, the sum of thirty dollars shall be contributed toward defraying his funeral expenses. But all the associations making such regulations also provide that a member who is in "arrears for dues" shall receive no aid in case of sickness or disability; and in case of the death of a member who is "in arrears for dues" nothing shall be contributed to defray his funeral expenses, and his wife and children, however destitute they may be, can receive no aid. In such cases, the destitute widow and orphans must not look to "the _charitable_ association" of which the departed husband and father was a member, but to outsiders--yes, to "prejudiced and ignorant" outsiders--for aid to bury his dead body with decency. Grosch says, "The philosopher's stone is found by the Odd-fellow in three words, _Pay in advance_. There are few old members of the order who can not relate some case of peculiar hardship caused by non-payment of dues. Some good but careless brother, who neglected this small item of duty until he was suddenly called out of this life, was found to be not beneficial, and his widow and orphans, when _most_ in need, were left destitute of all _legal_ claims on the funds he had for years been aiding to accumulate." (Monitor, p. 198, 199.) Such facts as these prove secret associations to be exclusive, heartless, selfish concerns. (See Constitution of Druids, Art. 2, Sec. 1, and By-laws, Art. 11, Sec. 1; Constitution of Good-fellows, Art. 16, Sec. 1; Constitution of Amer. Prot. Asso., Art. 9, Sec. 1-5.) CHAPTER VI. FALSE CLAIMS.