After 20 years of discussion, the Sterling-Lehlbach Act, passed by Congress and which went into effect in August, 1920, provides federal civil-service pensions for all classes of employees upon retirement. It is contributory and compulsory, requiring each to contribute 2½ per cent of their salaries. The minimum age of retirement is 65; all must retire at 70; and 15 years of service are required for eligibility to an allowance, the annuity running from a minimum of $180 after 15 years of service to a maximum of $720 after 30 years. The scheme takes no account of the amount of salary at the time of retirement and certainly $720 is no inducement to a man receiving $2000 to resign. In recent years there has been a growing conviction not only that the salaries of teachers must be increased, “but some kind of retiring allowance provided for all public school teachers, if teaching is to become a profession.”[136] These are provided by nearly every country of Western Europe; and in 1916, 32 states in this country had made some provision for the retirement of teachers, most of them contributory systems where teachers insured themselves against disability. Our country, however, is still far behind others in this respect.[137] The first city-school system to provide retirement funds was in Chicago in 1893, followed two years later by a New Jersey mutual-benefit plan, and there are now eight or nine types of state, county, and city pension systems in the country. The peculiar difficulty here is found in the fact that one-fourth of our 720,000 school teachers leave teaching every year, making the average term of service four years and causing 185,000 new inexperienced teachers to begin each year. Thus few expect to benefit from such a system and so long as it is voluntary it is utterly inadequate. “While pensions and tenure help to secure and hold good teachers, they also make it possible to free schools with social justice and dignity from superannuated and incapacitated teachers. This is almost as great a benefit as the others to the schools, the children, and society.”