The relation between poverty and health and poverty and morals is very close. The poverty-stricken family cannot be led to take any great amount of interest in society or health betterment until means have been produced by which the economic situation of the family group can be bettered. The expense of living uses up the daily wage of the ordinary unskilled laborer in Porto Rico, who averages fifty or sixty cents per day for the time that the weather and his physical condition permit him to work. There is also a close relation between sickness and poverty, the average countryman of Porto Rico being only partly as efficient a worker as he should be, due to physical weakness caused by anemia or malaria. Poverty is closely related to degeneration and crime, especially when it descends into pauperism and absolute dependence upon charity. The climate and geographical conditions of Porto Rico have never provided the laborer with any incentive to economize, inasmuch as he has no need for providing against a period of cold, and Nature produces some form of plant or vegetable food throughout the entire year. Clothing and lodging may be of the simplest and still prevent much suffering under such conditions, and with physical weakness caused by disease, the tendency is to live for the present, and to take little care for the future through a system of saving and economy. The average manual laborer saves nothing and makes little effort to accumulate property. Incentive must be provided through education which will accustom the countryman to the idea of accumulation of property in a small way, so that dependence upon charity will not be necessary in the case of a financial or economic crisis. That there is a movement toward saving is evident from the fact that on June 30, 1915, there were savings accounts to the amount of $1,909,969.34 in the various banks in the Island. This, however, is a comparatively small amount, and the younger generation should be given definite instruction and incentives along the line of savings. The introduction of the Postal Savings Bank has been of great value in this respect, and the school savings banks have also done their share in inculcating the principles of economy. SICKNESS AND DISEASE